davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX BANK Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 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.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Consumer complaint received 2023-06-20
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-20
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-16
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. (FL)

despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ( 2 ) XXXX Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( 3 ) XXXX XXXX XXXX  Account number - XXXX ) DATE OPEN ( 4 ) XXXX XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( 6 ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( 7 ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( 8 ) XXXX XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( 9 ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? who verified these accounts? you have not provided me a copy of any original documentation a consumer contract with my signature on it. as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.
Consumer complaint received 2023-06-16
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. (TN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion is not correcting my name nor incorrect addresses on my credit report. They have my twin brother 's name on my report and I never had the name XXXX. My name is XXXX XXXX XXXX. Trans Union has mixed up my credit with my brother 's and admitted it but they won't fix it. I have had a dispute with them for over a year now and I'm losing patience and may consider hiring an attorney for this matter!
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Consumer complaint received 2019-09-12
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. (MD)

On XX/XX/2019, I received an email stating an hard inquiry was pulled from my Equifax credit report. The name of the company is XXXX XXXX XXXX. I submit a dispute to Equifax stating I did not authorize this inquiry and it must be fraud. I received notification from Equifax stating I must call them for more information. I called Equifax on XX/XX/2019 and was told by an representative that Equifax do not investigate hard inquiry and I must contact XXXX XXXX XXXX about removing the hard inquiry. On XX/XX/2019, I called XXXX XXXX XXXX and was told I need to get in contact with Equifax as they do not have any information XXXX XXXX XXXX pulling my credit report. At this point, I am frustrated because no one wants to help me. Please help me and have this hard inquiry remove. 

Thank you.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this Complaint via the CFPB to formally dispute inaccurate information that have been reported on my credit file. During a recent discussion about credit files while on vacation, I became motivated to check the accuracy of my own credit report. To my surprise, I discovered several accounts containing invalid and incorrect information. I am seeking the Credit Bureaus ' assistance in investigating and rectifying these errors promptly. After reviewing my credit report from XXXX, I have identified the following discrepancies : XXXX XXXX XXXX Balance : {$0.00} - I have found that the details concerning XXXX are entirely inaccurate and have not been corrected as promised. It is essential that this false information is promptly removed from my credit report. Despite claims of late payments, I engaged consumer counseling services and entered a consolidation plan where timely payments were made on my behalf. Both the XXXX XXXX and I confirmed with XXXX that the payments were never overdue. XXXX acknowledged the errors and pledged to remove the account, but unfortunately, this has not been done. 
XXXX XXXX XXXX Balance : {$0.00} - I have discovered an error in the Credit Bureaus XXXX report concerning this account, as it contains inaccurate and invalid information that leads to false details being displayed on my credit report. Upon contacting the Credit Bureaus, I was instructed to complete an FTC form to address this issue, which I believe should be considered unlawful for it to appear on my credit report. Therefore, it is crucial that the erroneous information is promptly removed. I want to emphasize that I made payments as agreed for this account and maintained a consistently satisfactory payment history throughout its duration without any problems.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

On XX/XX/XXXX, I have been calls between the hours of XXXX XXXX. in reguards to an out dated debt of {$150.00} the person claimed to be representing Jefferson Capital Systems , LLC I was informed that if I do not pay the amount in question that my bank account, will subject to asset sizure. Including notifying credit card companies and reporting to all three credit reporting companies also stated that " they Jefferson Capital a group of people to place of home to obtain payment if not done so my place will be burned. ''
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (TX)

I was harassed by XXXX XXXX XXXX to process payments for my website. I finally sucumbed and signed up, but when I read bad reviews of this company online, I called and asked them to cancel my services. I decided to stick with the company that was processing my payments at the time. I never used them. 


The next document I saw was a bill of {$350.00} for compliance that I never took. They sent my account to collections for the amount of {$350.00}. I never paid for this because I never used their services. Then, I saw a bill of {$1100.00} from Southwest Recovery Services. I was shocked at the amount. I finally decided to check my emails and discovered that Southwest Recovery Services inflated the amount I owed, which was originally {$350.00} to {$1100.00}. 


I filed a dispute with XXXX and XXXX and without investigation ( within one day ), they determined the amount reported was accurate. I submitted overwhelming evidences, showing the original debt from the original creditor and the fraudulently inflated amount I supposedly owed from SRS. As you can see, SRS says in that email that there are no interests charged on this. The payment portal for the original creditor is still opened for me to make payment in the amount of {$350.00}, but SRS would not stop harassing me. I found reviews online of people complaining of the same thing from this company. This company is FRAUDULENT.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 
XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX LA XXXX.
Consumer complaint received 2019-03-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA RECOVERY SERVICES Account number XXXX- is reporting a collection for {$310.00} on my credit report for the debt that is NOT mine. I called and have written letters to AD Astra to state that this is not my account and that I never have done business with Original creditor XXXX XXXX XXXX  CA- they refused to take this off my report they asked for my social # phone # and where I worked now they are aggressively harassing me trying to collect a payment on this fraudulent account ... ad astra threatened to arrest me if I didn't pay this debt that is not mine to begin with ....
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (SC)

I was given payment arrangements and call to reschedule a payment for XX/XX/XXXX! I was granted the request but was never told that my vehicle was in jeopardy of being repossessed. They repossessed the car without my knowledge before the scheduled payment. I never received any type of letter they say they mailed a letter on XX/XX/XXXX and I have not received it yet! I have 10 days to pay the car off or it will be sold. They apologized for their error but said its nothing they can do.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2019-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NV)

I was having trouble accessing my funds with XXXX XXXX due to not having received my debit card for over a month. So I was instructed by XXXX to open a XXXX account in order to transfer my funds quickly ( which I did on XX/XX/2019 ). I transferred money to my one of my relatives through XXXX for a few weeks as a means to access my money, while waiting on my debit card. When my debit card still hadn't arrived, I opened an account with XXXX  XXXX XXXX and a secondary XXXX ( XX/XX/2019 ) in order to completely get my money out of XXXX XXXX and XXXX. That same day I successfully transferred the majority of my funds ( {$1200.00} ) from XXXX to XXXX and started the transfer to XXXX XXXX XXXX. On XX/XX/2019 XXXX froze both accounts and cancelled my transfer to XXXX XXXX XXXXXXXX. I spoke to them several times on the phone and they said only their specialist could handle the matter and that I wouldn't be able to speak with them over the phone because they only correspond through email. On XX/XX/XXXX, XXXX   permanently deactivated my account linked to XXXX XXXX XXXXXXXX and sent my funds back to the account linked to XXXX. On XX/XX/2019 I received an email stating that this account was also deactivated. They also stated that they would investigate for up to 180 days and would determine at that time whether they would release any of my funds to me. The specialist ended the email stating that was all the information he would give me about the situation and closed the case.
Consumer complaint received 2023-06-13
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-06-13
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-06-13
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-22
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX