davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Second Chance Collections, LLC (TX)

This debt is with a third party Second Chance Collections LLC phone number XXXX with a representative named XXXX. 

The original debt is from a pay day loan lender and I am not 100 % sure I owe it, I have never received anything in writing and each time I speak to XXXX, I have been at work at not able to take his call. 
I explained to the gentleman that I was not availble until after 5 to speak with him. He called me multiple times and then started calling me from a blocked number, I know this because he left a message one of the times and another time when I answered it was him. He called me over 15 times throughout the day.

I am not availble to speak with him until the afternoon and I have explained this, he called me this morning and I answered and hung up the phone because I was in a meeting, he preceeded to call me from a blocked number 5 times within 1 minute. When I answered he said he was not going to stop calling me because I have to pay back them their money. He then proceeded to scream at me, disconnect and threatened me after I informed him that it was illegal for him to continously contact me in that manner.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MEDICAL PAYMENT DATA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL PAYMENT DATA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (GA)

It saddens me that I have to make several complaints in the CFPB regarding Bureaus and their reporting processes. At least two times Ive had to complain about duplicate accounts on my credit report and this is getting RIDICULOUS. Especially when Im in the market of buying a home. Upon checking my report, I noticed that both Experian and XXXX are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold XXXX and Experian accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted immediately.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I originally got a XXXX line of credit thru cash net usa I borrowed XXXX from that line of credit I have paid back XXXX as of today XX/XX/2019. They still show I owe them XXXX. When I called them to ask where all the other money I have paid is at cause it's not reflected in my balance they told me XXXX of my payment of XXXX was interest. No place when I took out my line of credit on my phone told me the interest rate. I subsequently revoked my authorization for ach payments from my checking account. I feel this is a insane price to help someone who needed it. I will never use them again or suggest them to anyone else.
Consumer complaint received 2022-10-29
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (GA)

I have contacted the Bureau several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Updated on XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance - Updated on XXXX XXXX, XXXX XXXX XXXX  Total balance : - XXXX  Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance - Updated on XX/XX/XXXX XXXX  XXXX Balance - Updated on XXXX XXXX, XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX XXXX XXXX - Updated on XX/XX/XXXX XXXX
Consumer complaint received 2022-10-10
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: NCB Management Services Inc. (MS)

On XX/XX/2022 I directly contacted NCB MANAGEMENT SERVICES, INC. Through priority mail to validate a debt according to CFPB XXXX Notice for validation of debts. The company failed to validate the debt within the 30 day period of my request. The debt is not valid. I have attached a copy of the letter mailed to them along with the proof of my Identity I mailed to them as well.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Re : Request to investigate and delete Bankruptcy Dear Sir or Madam : While checking my consumer report with LEXIS NEXIS Consumer Disclosure Report I noticed a bankruptcy. This is a formal notice that you are in violation of the FEDERAL FAIR CREDIT REPORTING ACT and THE FAIR COLLECTION PRACTICES ACT. You have failed to verify the validity of this claim. Having this bankruptcy reporting a public information lead to derogatory information reporting to my credit reports with XXXX XXXX XXXX XXXX The FEDERAL FAIR CREDIT REPORTING ACTS ( FCRA ) states " a third party data furnisher can not sell, transfer, or report information. Records show that Chapter XXXX Bankruptcy was filed XX/XX/2017 case:XXXX. I have no knowledge of how this bankruptcy reported to LEXIS NEXIS Consumer Disclosure Report. You are not at liberty to report or verify the validity of this claim. I contacted United States Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They specifically stated that they do report information to credit bureaus nor do they sell or transfer information to data furnisher. You are entilted by federal law to conduct a reasonable investigation into this claim. You are also in violation of a number of federal laws that were created to protect consumers : defamation of character, illegally selling and reporting information to data furnishers. Having this bankruptcy reporting on my lexis nexis consumer disclosure report is a misrepresentation of my true credit worthiness as it as affected my FICO SCORE with the credit bureaus. You have no means to verify the validity or accuracy of this bankruptcy due its origin being illegally reported and sold to other data furnishers on your behalf. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, State and Local advocacy group, and The Attorney General. I request to receive notification via mail once the investigation has been concluded.
Consumer complaint received 2022-10-10
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. (GA)

It saddens me that I have to make several complaints in the CFPB regarding Bureaus and their reporting processes. At least XXXX times Ive had to complain about duplicate accounts on my credit report and this is getting RIDICULOUS. Especially when Im in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report XXXX  times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT XXXX  TIMES. I expect them to be deleted immediately.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (NJ)

Ive been a victim of severe identity theft. Ive reported this incident to Kikoff, XXXX, and XXXX. They continue to verify these fraudulent accounts opened under my name without disclosing who or what information has been verified. I can guarantee they are verifying fraudulent charges. I submitted a complaint through the CFPB, and KIKOFF continues to verify this account, but it is inaccurate. Addresses are reporting on my credit report that are not mine but has been placed there because of these fraudulent accounts. My only address is XXXX XXXX XXXX, XXXX, NJ XXXX. Any other address is fraudulent. The only different address Ive previously resided at was XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, as per my police report. I am demanding, as per my rights and police report, that both companies remove this information from my credit report if they can not provide the following : 1. The agent ID at the company who is verifying this fraudulent information ( Who ) 2. The information that is being verified ( What ) 3. Where were those cards mailed, or what address has been used ( Where ) 4? A purchase report of the credit card opened under my name This information should be returned to me within 30 days. Ive attached my police report and my bank statement for proof of address. 

Kikoff is verifying this account with inaccurate personal information. It is my right to know the information being confirmed. I can guarantee they are verifying this fraudulent account with information that is not mine. This company doesn't provide proof that this debt belongs to me because it doesnt. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your KIKOFF or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ; therefore, if you can not validate the debt and show the information used to verify this account, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I transferred my phone service from XXXX to another provider in XXXX. I realized the following month that I had not completely canceled because I had another charge come out of my checking account through auto bill pay. So I called XXXX to cancel and prevent that from happening again. I CALLED FOR XXXX MONTHS and could never get anywhere with an employee. I was told a supervisor would call me to sort it out. No one ever called. I kept being told they couldn't do anything in the middle of a cycle and to wait until my next statement came out. No one actually cancelled my service until XXXX months later! The final person I spoke to on the phone in XXXX, informed me that noone had actually cancelled my service yet. They had just un-enrolled me in auto bill pay. He told me my final statement would come out on XX/XX/XXXX and it would reflect no new charges. I NEVER RECEIVED MY BILL IN THE MAIL. I never even received an email. 
Instead of a bill, I have received a statement from a debt collector that says I owe XXXX {$600.00}. I TRIED CANCELING FOR XXXX MONTHS. 
XXXX deceived me and failed me.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (TX)

I applied for a home loan and found out there was a judgement on my credit report in which I still cant see when I pull up my reports.When I tried to contact the company I was told they only have limited information.I never received anything about this in the mail or this case even going to court.The information the company did send in the mail is not detailed at all. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (GA)

I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both Experian and XXXX are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report XXXX times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold XXXX and Experian accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT XXXX TIMES. I expect them to be deleted immediately.
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-10
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. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX UT XXXX ; XXXX XXXX XXXX Balance : {$8100.00}.
Consumer complaint received 2019-10-24
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-07
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

FRCA 611 Violation I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

XXXX XXXX Account Number : 4965** The account is incorrectly reported - Account Number on Experian credit report does not match account number from XXXX Please completely remove this inaccurate trade line from my credit report per my rights under the FCRA XXXX Section 611 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

The date you contacted the individual funishers of information.

The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law.