davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have filed multiple disputes with XXXX  equifax and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, XXXX, Equifax, XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (VA)

The fraud was done at Virginia XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I brought a recent credit card statement for my bank card on XX/XX/XXXX. On XX/XX/XXXX there were charges to my card in the amount of for {$98.00}. My bank card was charged {$98.00} six times. My bank statement was scanned in the XXXX XXXX XXXX XXXX system and immediately returned to me. The hacking occurred either internally or externally in the XXXX XXXX XXXX XXXX data base. I was there from XXXX XXXX to XXXX. I was seen at XXXX, I have not made any purchases in the credit card since XX/XX/XXXX.
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (WI)

On XX/XX/2020 I made contact with Conn 's XXXX XXXX to make payment on 2 accounts that I had in collections. They provided me with the number of the collection agency who held the account. I contacted the collection entity and paid both accounts in full. I made two payments on XX/XX/2020. One for {$570.00}, and another for {$400.00}. I never received a letter from Conns showing debt was paid in full. 

I ran my credit report which showed that Conn 's was still reporting this as a valid debt so I filed a dispute with the credit bureau XX/XX/2020 and they responded that this was a valid debt. 

I then made contact with Conns who sent me to multiple collection agencies to resolve the matter and non of them where able to assist. The originial creditor whom I paid indicated they had no record of the payment and that Conn 's had moved the credit file to another collection entity and I needed to contact them. This happen 2 more times before the last collection entity TSI directed me back to Conn 's to have the issue resolved. I sent Conn 's a copy of my dispute letter and my bank statement showing where I had made payment on the accounts on XX/XX/2020. Conns ' has yet to reply to me as to the status of my account nor have they provided a letter showing that I paid this debt. 

This collection is impacting my credit score and my ability to move forward with purchasing a home. 

I have talked to multiple collection agencies associated with Conn 's as well as multiple conns representatives. As of today XX/XX/2020 conns has reported that are waiting on the collection agency to report back even though I provided them with proof of payment. I do not feel like it is fair to me as the consumer if the collection agency did not follow process in this case. 

Conn 's did send me an email on XX/XX/2020 that they would have resolution to my concern within 72 hours and I have still received no response. I sent a follow-up email with still no response and I called today XX/XX/2020 and they were not able to give me an update. 

This is not a valid debt and my credit file should be updated and a letter sent with verification of this. Conn 's has all the information they need to remove this debt. I would be happy to provide Conn 's yet another copy of my bank statement showing payment made.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

What is it going to take for experian to properly investigate? As keeper of my private information, Experian needs to acquire the permissible permission used to access my credit report in XX/XX/2017 by XXXX XXXX XXXX XXXX. Instead of listening to their money making client deny, deny, deny and only then, Experian will realize the lack of permissible permission.
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE (GA)

On XX/XX/2021, I was scammed by group of fraudsters : XXXX XXXX and XXXX XXXX ( the Company ) and lost XXXX USD. 
I advised Charles Schwab Bank  of this fact on XX/XX/2021 and I havent received any satisfactory response so far. 
I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with Charles Schwab Bank, but they have failed to settle this matter satisfactorily. I have been dealing with Charles Schwab Bank in good faith and am deeply disappointed in how they have handled this matter thus far. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates their principles, which call me to defend my rights. This is poorly thought out and vaguely defined nonsense. I doubt they care however since nonsense is what renders unscrupulous businesses financially successful. 
Accordingly, I respectfully insist that Charles Schwab Bank covers all overdrafts ( XXXX USD ) on the account. This is fair and reasonable given I was given no appropriate warning about the possibility of a scam. I have been a loyal customer of Charles Schwab Bank and have never had any difficulties of this kind before.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ssn:XXXX DOB XX/XX/XXXX 2 years address : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$9400.00} Original balance {$9400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$8500.00} Original balance {$8500.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1000.00} Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX # XXXX XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX  # XXXX -XXXX # XXXX -XXXX # XXXX
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. ThIS is the item I demanding to be deleted immediately : Validate Account XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Someone used my information to apply for credit with XXXXXXXX  in my name on 5/15 that I did not authorize. I called XXXXXXXX  and spoke with XXXX who sent my info to the fraud department. They requested that I send them an id theft affidavit. I sent it to them via certified mail. I've heard nothing back and the inquiry is still on my credit report.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

On XX/XX/2022, a XXXX wireless service was canceled over the phone. The customer service representative told would send the bill to pay any final balance on the account. 

On XX/XX/2022, according to the letter received from Covergent Outsourcing , Inc. from XXXX, WA. sent a collection letter for the canceled account from XXXX. 

I am writing because XXXX never informed me that the account would be forwarded to the collection and never attempted to collect the bill before sending the account to collections. They canceled the service, and five days later, the account was sent to collections without any information. 

The balance was paid on XX/XX/2022. I am just upset about the procedure by XXXX  by sending to collection my account without any notification.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my report..
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

i didn't ask for these companies cards and don't know where they came from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX want to file a complaint against Experian. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this Experian they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate. XXXX XXXX XXXX Credit Card Child Support Enforcement XXXX XXXX XXXX Credit CardXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (SC)

This is in reference to a fraudulent charge recovery request from numerous collection agencies, which XXXX XXXX is fraudulently claiming I created on XX/XX/XXXX. XXXX has never tried to contact me by phone, or at the address where I reside concerning this account in any way whatsoever. I have never opened an account with XXXX, or been in a XXXX store, or ever contacted XXXX concerning service. I had refuted the charges to XXXX, XXXX, and XXXX. XXXX  and XXXX did remove the fraudulent charge, but XXXX  will not remove the fraudulent charge without consent from XXXX XXXX. This charge has been tossed around from XXXX debt collector to another. When I got a letter from XXXX XXXX XXXX. I refuted the charges and sent them a written notification that I do not own the debt and will not pay. The charge is then passed on to Jefferson Capital Systems LLC., I refuted the charges and they pass the fraudulent charge on to XXXX  XXXX XXXX XXXX XXXX again, I refuted the charges. And the circle continues. 
I have contacted XXXX fraud department by phone ( XXXX ) and was told, by a representative, XXXX, on XX/XX/XXXX that the account exists but has not been used. I was told, by XXXX, that my name and social security number will be removed from that account, and the reporting agencies notified, and that I would receive an email stating that it has been cleared. I informed the XXXX representative that I have never lived at the address listed on the fraudulent account, and I have never seen, or not familiar, with the telephone number listed as the contact number. I have not heard from or been contacted by XXXX fraud department since this call. 
I recently received a threatening letter from Jefferson Capital Systems concerning the debt and that they can sue me and will continue harassing me about this charge. ( Letter attached ). I need my name and social security number disassociated with this fraudulent charge and the credit reporting agencies updated.

See attachments :
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  reporting Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.
Consumer complaint received 2021-04-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Alleged Account number XXXX I do not recognize credit acceptance as any creditor of mines!!! When I noticed this alleged repossession claim I was the guarantor of an auto loan on my credit report I immediately sent them a letter stating there was a high chance this account was fraudulent and i need to see all the contracts, promissory notes, Notice of sale letters and most importantly the calculation of surplus and deficiency letter. They received my letter XX/XX/2021 and are yet to mail me any response. 

I informed that XXXX XXXX XXXX XXXX XXXX states that a secured creditor must send this notice within 14 days of a request by the debtor OR a record waiving the secured party 's right to a deficiency. 

I am yet to receive a response from this alleged creditor this alleged secured party 's right to this deficiency debt has been waived. This account is inaccurate and needs to be deleted from my credit report
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.