davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NV)

MRS Associates never once contacted me regarding the account in question. When I called them on XX/XX/22, after realizing my credit had been negatively impacted, they claimed that they did call my phone number. I asked if they ever left a message or spoke to me. They admitted they did not and stated they did not have to leave a message, that I should have called them back ( no phone number/company appeared for these calls that I can tell, and I am not in the habit of answering unknown callers to avoid spam/sales calls ). I stated that merely calling without actually leaving a message could not possibly fill the legal requirement for calling me and they stated that it does ( the representative I spoke to at XXXX, agreed with me that they did not meet the legal requirement and recommended that I complete this form ). I asked how they could place the derogatory without actually contacted me, and they then claimed that they texted me. I very vaguely remember texts about a Spectrum account. These texts did not state that they were a creditor in the texts, and I did not have a Spectrum account for over a year at that point, so I believed it to be spam and eventually sent a STOP message. Additionally, they claim they emailed me, but stated an email address that is not my actual email address. Finally, I did not receive any paper letters. If they had my phone number, they at minimum should have left a message stating who they are and requesting that I call back since it is common practice to not answer phone calls for unknown numbers and instead assume it is a sales-call or the like. When I called XXXX, they confirmed that calling but not leaving a message does not fulfill the legal requirement to contact me regarding the debt. In the meantime, they posted a derogatory on my account without ever first giving me a legitimate opportunity to make the debt right.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I am a customer/client of Ctibank for 25 years since XXXX. 
on XXXX my bank account ( Saving and Checking ) been wire-transfer out entirely with out my permission. 
the amount was XXXX thousands for Saving and roughly XXXX thousands for checking. 
I didn't know at the time of wire-transfer ( XXXX ) due to my phone was out of service and i was on camping site ( XXXX XXXX  XXXX ) XXXX 
Called Citibank to report fraud wire-transfer on XXXX after restored my phone and they take my case to investigating and Citibank closed my account XXXX Saving and Checking ) and advise me to open a new one, so I did open a new account on XXXX. 
Today XXXX after two weeks follow a phone call from me to the Citibank Fraudulent Wire-Transfer Department they said that they can not recover fund for me and advise i should hire a lawyer.

Please help me, all my 25 years of saving being wipe out with out protection from Citibank. 
thanks
Consumer complaint received 2022-07-11
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. (IN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-11
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. (NY)

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, Experian and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Consumer complaint received 2022-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

I was lied to, scammed, pressured and manipulated by the manager at XXXX XXXX into purchasing a new vehicle that I did not need nor wanted. I told them I was on a fixed income and could only afford payments similar to what I was already paying {$350.00} per month. The new loan is the same amount of my XXXX check which leaves me with nothing. I had returned the vehicle within 3 days and I was told by the manager by purchase was a final sale and denied all requests I made to purchase vehicle with lower payments. The car they sold me I didn't even get to pick out and has been having issues ever since. This loan is double what I was paying on previous vehicle. I have reached out on multiple attempts and have been dismissed and denied any assistance. I need HELP! It should be against the law to take advantage of a XXXX senior citizen.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX, and to notify them that I am halfway to taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Consumer complaint received 2022-06-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I tried contacting the company to about the debt to have them provide proof that it was me that opened the account and ask them to send pictures of my ID and social security card and contract with my wet signature and if they can't to kindly remove the item but they have yet to respond to my XXXX letters
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. B
lock of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall bloc
k the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2022-07-11
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. (IL)

I have filed complaints with XXXX concerning misleading and false reporting which is a violation of my consumer rights pursuant FDCPA/FCRA consumer laws that were created to protect consumers from such activity that this company is engaging in in relation to my personal credit reports in their database. The failure of this company to follow the law has led me into financial hardship, I have included documents that is backed word for word with the law showing this company how it is violating my consumer rights, and breaking the law!
Consumer complaint received 2022-06-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

their is no reason for this agency to put any information on my report that will damage my score. 
the balance states XXXX but my score decreased and this item was deleted in the past.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I just looked at my credit report on XX/XX/2024 and noticed that some of the information is incomplete or inaccurate and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts listed below are not complete and accurate : XXXX XXXX ( account # XXXX ) The opened date is not accurate, payment status is incorrect, High credit is not reported correctly, date last active and date of last payment is incorrect. 

XXXX ( Acct # XXXX ) Date late active is inaccurate XXXX ( Acct # XXXX ) Date opened is incorrect, date last reported is inaccurate and High credit and credit limit is not reporting accurately. 

XXXX ( Acct # XXXX ) The date opened is inaccurate, High Credit and credit limit are not correct, and date last reported, date last active and date of last payment is inaccurate XXXX  ( acct # XXXX ) The date opened is inaccurate, the date last active and date of last payment is not reporting accurately. 

XXXX XXXX XXXX ( Acct # XXXX ) The credit limit, past due, last reported date, date last active and date of last payment are all not reported accurately. 

XXXX ( Acct # XXXX ) The date opened, the high credit and credit limit are reported inaccurately. The date last reported in inaccurate. 

XXXX ( Acct # XXXX ) The date opened in inaccurate. The high credit, date last reported, date last active and date of last payment are all inaccurate. 

XXXX ( Acct # XXXX ) The date opened, high credit and credit limit are all inaccurate. The Last reported date, date last active and date of last payment is also reporting inaccurately.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX To whom it may concern, I am writing to follow up on my previous dispute letter from XX/XX/2024, requesting the removal of several disputed accounts from my credit report. As I stated in my initial letter, I have the right under the FCRA, to have inaccurate, incomplete, or unverifiable information removed from my credit report. It has been over 30 days since I submitted my last dispute letter and I have not received a response from Experian or an updated copy of my credit report reflecting the requested changes. I went on the consumer data base system and found out that XXXX XXXX XXXX is not licensed in the State of Indiana to collect debts. Under the FCRA, XXXX XXXX XXXX must be removed from my credit report immediately. Section 623 ( a ) ( 6 ) ( A ) states that a furnisher of information, such as a collection agency, must have reasonable procedures in place to ensure the maximum possible accuracy of the information it provides to consumer reporting agencies like Experian. By reporting an unlicensed collection account, XXXX XXXX XXXX has failed to meet this requirement. The inclusion of XXXX XXXX XXXX on my credit report, when they are not licensed to collect debts in Indiana, constitutes inaccurate information that must be corrected. 
XXXX XXXX XXXX-account-XXXX  XXXX XXXX XXXX Services-account-XXXX  has violated my Federally protected consumer rights. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I have sent the last dispute via certified mail. Tracking number:XXXX
Consumer complaint received 2023-07-14
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX and XXXX  XXXX
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (MA)

On XX/XX/XXXX, I had XXXX XXXX with my own XXXX XXXX doctor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX After the physical I asked my doctor to check some pain in my back, after a quick check, he stated that I should go to the emergency room at the XXXX XXXX XXXX in XXXX MA. 
I went to the emergency room with my XXXX referral to get a quick XXXX XXXX. In the emergency room, I was interviewed by several staff members including assistant nurses and nurses. I was never seen by a doctor or received any care including the XXXX XXXX I came to get. I left the emergency room after 3 hours of waiting. 
I went to the XXXX XXXX XXXXhe next day to get my XXXX XXXX  and diagnosis as prescribed by my Doctor. 
A few weeks later I got a bill for {$490.00} stating that was my co-pay. My insurance plan states that my co-pay is {$100.00}. I refused to pay the bill due to the main reason I did not get any treatment in the emergency room. I was and still am willing to pay the {$100.00} co-pay for the emergency under the condition that the XXXX XXXX XXXX and the collection agency retract the derogatory remarks from my credit reports. 
On XX/XX/XXXX, a derogatory remark appeared on my credit reports and my credit score was lowered by XXXX  points. 
I feel that this is very unfair for the collection agency to report this as they never contacted me to state that such action was going to take place. 
I am seeking the help of CFPB to help me clear this mess and restore my perfect credit reports. 
I was also told that this could be subject to the " Surprise billing '' law. 
Any help to resolve this problem as quickly as possible. 

I have not contacted the credit bureaus or the collection agency. 

Thank you XXXX XXXX
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I received a letter from ProCollect Inc. on XX/XX/XXXX, claiming that I owe a debt of {$16000.00} to XXXX XXXX XXXX. However, I don't owe any XXXXXXXX XXXX XXXX any debt and I never rented or stepped foot inside this business. 

Firstly, I find it troubling that the piece of mail serving as notification of this debt collection was not sent via certified mail. Its appearance resembled junk mail, making it easily overlooked or disregarded, especially since they only allow 30 days to dispute the debt. 

Additionally, during my email interaction with XXXX 's general manager last year in XX/XX/XXXX, it became evident that my signature on the lease agreement had been forged using an electronic signature. This is particularly concerning as the alleged signed lease agreement supposedly occurred during the time when I was traveling overseas. Logistically, it would have been impossible for me to sign the document with an XXXX or XXXX IP address. I would like to clarify that I only filled out an online application on their website to possibly live there and never signed a lease agreement with them. 

ProCollect, Inc. provided a move-out statement generated on XX/XX/XXXX to validate the debt and claim that I had made a {$100.00} deposit. However, after thoroughly reviewing my banking statements, I found no evidence of a {$100.00} withdrawal. I carefully examined each transaction last year and I am sure I never paid a deposit. Despite my explicit request for evidence to substantiate the deposit payment and signature, the debt collector has refused to provide any such validation. Instead, the collector threatened to report this debt to the credit bureau, emphasizing that it would negatively impact my credit history regardless of whether I choose to pay it or not. The collector is pursuing debt using forged documents since they couldnt prove the lease was signed by me. They simply told me it is their word against mine. 
Given the gravity of these concerns, I kindly request your assistance in addressing this matter promptly. Your expertise and guidance would be invaluable in ensuring a fair resolution to this situation. I am a XXXX XXXX and this issue is emotionally and mentally taxing for me. 
Thank you for your attention to this pressing issue.