davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-08-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (CA)

I have been receiving nearly non-stop phone calls, mostly spam, related to this company. This is Monday through Friday, while I am at work. One of the days it was at XXXX my time. I stopped keeping record of the date because I have been receiving up to 8 calls a day. The number associated with my account I also use for work and so it is causing interruptions in work communication. The debt they are trying to collect is a mistake as well. I already filed a complaint with the medical provider using the information they sent with their letter. I have yet to receive anything written from CCS. The alleged date of service is off by 2 years. Furthermore, at the time services were rendered, I was under XXXX and had no financial responsibility ( co-pay, etc. ). SO trying to recoup this 1. incorrect debt and 2. by harassing me is ridiculous.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

XX/XX/2023 between XXXX XXXX to XXXX XXXX arizona time we talked over the phone during this conversation I was lead to belive we had a settlement agreement. This was not the case my credit report instead shows only a change in the amount owed reaching out to XXXX XXXX the debt collector was of no help as he stated that he would send over a copy of the settlement agreement but I instead received a summary of owed charges via email.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 

Account Information : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge Off : [ XXXX ] Amount : [ XXXX ]. 

I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. 

I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, TransUnion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TransUnion upholds its obligations under the law.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AZ)

about a month ago, I submitted a complaint on this same website about a collections account against my credit From and sequium solutions saying that I owe them over {$350.00}. i didn't get a email, call, text, or letter warning me or telling me about the situation it just all happened at once. I even tried calling the collections agency myself and they never picked up the phone. my credit was plummeted and I had a collections account on my credit report without hearing a word from anyone. the people at CFPB also saw this as an issue and resolved it by taking the account out of my report which ill be forever grateful. everything since then has been fine until today, XX/XX/2022, XXXX emailed me saying they're attempting to collect the same debt I already disputed and that this communication is from a debt collector. I want these people to leave me alone how can they still try to collect a debt that was already disputed?
Consumer complaint received 2022-07-15
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, R XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Consumer complaint received 2022-07-15
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)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this 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, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9.00}
Consumer complaint received 2023-01-04
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. (FL)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The company has kept multiple ACH transactions from my customers without my authorization. A previous complaint was filed in XXXX in which I was told ACH transactions should not be placed on hold. 

Dates and the amount of the transactions are as follows. 

XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DPT EDXXXX Account Number : XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MD)

My card was issued by Comenity Capital Bank on behalf of XXXX 's XXXX XXXX. 
On XXXX XXXX XXXX I was notified by the banks fraud department that there was unauthorized purchase on one of my cards ( I have two cards, one for me and the other for my wife. They both have different numbers ). The card affected was my wife 's card. 
When I responded to bank 's text with a " NO '' that it was not my purchase they told me that the charge will be removed, and the card will be blocked, and the new card will be sent within 7 to 10 days. That was well over a month ago. I contacted the bank and their fraud deportment several times, and the only response I got was, that they can not access my account therefor they can't resolve the problem, and can't take off that fraudulent charge. I logged on my account the other day ( yes I can get on my account ), and that charge still on my statement and they are charging me interest on that amount, because I did not pay it last month. Please help me resolve this, the bank is of no help, and now I don't trust them at all.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

DISCOVER FINANCIAL SERVICES XXXX XXXX XX/XX/XXXX Received Email from DISCOVER FINANCIAL SERVICES, '' Thank You for your " Recent '' application for a Discover Personal Loan, Your Online submission was successful. 

The name " XXXX XXXX '' is " NOT '' my name. 

XX/XX/XXXX Email from DISCOVER FINANCIALS SERVICES Thank You " Your Uploaded of " Cash Flow '' Documents was " Successful '' We look forward to completing your loan request. 

XX/XX/XXXX Email From DISCOVER FINANCIAL SERVICES Your application is close to being completed, we need a few verification documents. 

XX/XX/XXXX Email from DISCOVER FINANCIAL SERVICES We have Great News We have verified all of the information provided and your loan is now ready to accept. 

Each letter has more content within the letter. 
Showing an Application Ref Number and DISCOVER phone numbers. 
I proceeded to contact DISCOVER on Two Occasions, with " No Explanation '' .or Understanding '' Who is XXXX XXXX XXXX and how is she connected to my Email Address,? I proceeded to do a " People Search '' and There is a XXXX XXXX  listed. I went no further. 
It seems I have had difficulties with my DISCOVER account in the past which is now closed and went to a Debt Collector. When I access my XXXX  Credit Reports it shows , `` No Payment Activity " /Account not found. How can this be? CHARGE-OFF '' Settled for less than the Full Amount. Closed XX/XX/XXXX. I never " Settled '' So I don't understand. Starting XX/XX/XXXX I would receive in Email From DISCOVER CARD-ALERT-SSN-INQUIRY AND NEW ACCOUNT Received Four : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. I called DISCOVER No Explanation.!!! My determination. The Alert is referring to my SSN, INQUIRY, NEW ACCOUNT I know nothing about a New Account.and There is nothing New added to my Credit reports.There 's more, To much to send
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: DISCOVER BANK (TX)

Signed up on payment program due to Covid. I gave them my checking account info. They were able to process the first payment but could not process other payments. XXXX XXXX confirmed with a supervisor from Discover that the information given was correct. Also with the type of payment processed the account was valid and they way they processed the payments were correct. Discover is stating that the error was not on their end even after talking to my bank. They are refusing to take late payments off my credit report.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MI)

A portion of the loan was paid off by insurance company yet it continues to show a balance of {$17000.00}. I confirmed this because I checked the payment portal with Bridgecrest and it shows a balance of {$2200.00}. XXXX claims it was investigated and confirmed as being {$17000.00}, which is totally untrue.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), AND According to the Electronic Communications and Transactions Act ( ECTA ) 25 of 2002, Chapter VII, Section 42, consumers have the right to accurate and reliable systems when transacting online. The failure of your system to INCORRECTLY ADD INFORMATION THAT IS NOT ACCURATE has caused ME grief and uneceesary stress. 

According to the Consumer Protection Act 68 of 2008, Section 54, consumers are entitled to receive services of a high quality. You receiving my information and not placing it correctly in your system you have violated my rights as aconsumer Verification of Legal Standing : Proof of Accurate Reporting : Under FCRA, 15 U.S.C. 1681e ( b ), you are required to ensure that the information you report to credit reporting agencies is accurate and complete. Provide a detailed explanation of how you verified this debt before reporting it, including a record of any communications with the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-09-13
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX inaccurately on my experian report. It has not been updated since XX/XX/year>. The new balance is {$1400.00} as of XX/XX/year>. I ask that this be updated immediately. 

XXXX XXXX XXXX is listed inaccurately. The balance on this account was reduced and I only owe {$740.00} per our agreement. I can submit the letter that was forwarded to me. 

XXXX XXXX XXXX XXXX XXXX have reached out to ask this company what this is but have not received any type of validation or verification. I do not know what this is. It does not list the original creditor. It shows the status updated on XX/XX/year> and last paument made on XX/XX/year>, however, I have not made a payment because I do not know what this is. It says it was transferred and closed. I ask that this be removed because it has been more than XXXX  days and I have not received any type of correspondence stating what this is. 

XXXX XXXXXXXX Is listed inaccurately. I have reached out to the number provided on my report and requested written validation and verification but have not received anything from this company. I ask that it be removed as no verification or validation was sent within XXXX days and additional time to verify/validate has not been requested from this company. Please remove immediately. 

XXXX XXXX is listed inaccurately. It shows the original limit at {$850.00} but they are listing that I owe {$2500.00}. I have asked for verification and validation of this debt including all statements, agreements, monthly bills and have not received anything. They just keep sending emails requesting payment but they have not sent any information as to what the debt is. I ask that this be removed because they are not complying by sending the requested information. 

I keep receiving emails from collection agency true accord regarding an account XXXX. I sent a certified letter to them requesting validation and verification of the debt. They first claimed that they did not have an account for me back in XXXX then they responded in XX/XX/XXXX that they are still looking into it. It has been about XXXX months since I have heard anything. If any of the accounts listed above are in their possession, they should be removed at once because verification and validation have not been completed. I ask that they also stop all debt collection as they have not been able to verify any of the debts therefore anything pertaining to them should be removed and if it is not listed on my cvredit, they should not be able to list anything on my credit.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zimmerman & Zimmerman, P.A. (VA)

This debt collector has a judgment on my bank account for a debt that I am not aware of or that I dont not believe that I have done business with in the past. I asked for proof of debt proof of an contract that I signed or something that showed the debt belonged to me or what it was for and never received anything expect a notice in the mail stated that my bank account would be garnished.
Consumer complaint received 2022-06-17
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. (MI)

These items are not mines and do not belong to me. these items are identity theft and I am asking that they are removed as the addresses and name does not match XX/XX/XXXX XXXX BANK {$1000.00} Account number XXXX and XX/XX/XXXX BANK XXXX {$560.00} XX/XX/XXXXAccount number XXXXXX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXXXX/XX/XXXXOriginal creditor : XX/XX/XXXX XX/XX/XXXXAccount number XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Reference number XXXX
Consumer complaint received 2022-12-24
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: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$530000.00}.