davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

On XXXX/XXXX/2017 at XXXX local AZ time, XXXX XXXX called requesting to speak to XXXX XXXX . I verified the name was correct. He then proceeded to state the name of his collection Company - Thunderbird Collection Specialists. However he failed the following FDCPA rules when trying to collect on a debt. He failed to fully verify besides my name that he was speaking with the correct party. He failed to state the mini miranda, failed to state the debt collector disclosure and failed to state that the call may be recorded. He also stated that he was calling to see how I was planning to rectify this debt that is in their office before he advises his client to take me court to collect on this debt. He also told me he had left multiple messages to a person who I identified to be a relative, regarding this debt. When I advised him of what he had failed to do prior to commenting that he was calling to collect on a debt and that I was going to just end the call instead of speaking with him, he preceded to state that he was going to status " my account '' in their office as a Refusal to Pay. When I responded back to him and stated that I was not refusing to pay anything, he began to be rude by interrupting me and then he hung up on me.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

I received s Subpoena from a debt collector : XXXX XXXX XXXX to appear on XXXX XXXX, XXXX for a deposition The Subpoena regards a debt that is 10 years old and for which I have gone to court at least one time before 3 years ago. The Writ states that I must " continue in witness from day to day unless.discharged by me ''.
This debt is 19 years old and has been placed on my credit report under several different company names on several occasions for the full 7 years requirement.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (CA)

There is a collection account in the amount of {$9700.00} showing on my XXXX credit report from XXXX XXXX  XXXX. I have submitted an Identity Theft Affidavit to them and followed up with a phone call to them. I was assured it would be removed by XXXX XXXX, 2017. It still has not been removed. It has been 2 months I have been disputing this account as a result of Identity Theft. XXXX XXXX XXXX does not care to remove this harmful account from my credit report.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX XXXX, XXXX I sent a letter to a collection agency by the name of XXXX XXXX. I wrote to them after seeing they are reporting a collection account on my credit report for a balance of {$530.00}. It is reporting an original creditor by the name of XXXX XXXX. I never had a debt with that lender and I requested copys of statements and signed credit application for this account. As of today XXXX/XXXX/XXXX, no response has been received from this company.
Consumer complaint received 2017-10-17
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 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not Mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine 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 .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.
Consumer complaint received 2017-10-17
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. (NC)

I have disputed this Account on many occasions with XXXX, XXXX and Experian about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Following the recent publicity about the Equifax security breaches, I contacted Equifax to freeze my information. It appears that Equifax took my money, but failed to freeze my information. My mortgage broker provided me with a credit report response from Equifax more recently than the requested freeze. Additionally there are a number of items on the report I would like to dispute, but phone number the company provided was not answered by a live person, so there was no other way to submit my concern except to wait on the phone indefinitely or pay more money and submit the concern by mail. I called several Equifax numbers and was repeatedly transferred and placed on hold.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I froze my Equifax info since they obviously can not be trusted with my personal information. Today, I needed to lift the freeze temporarily to conduct business - just allow a bank to pull a credit report. To start with, there are no phone numbers or email/chat numbers for communication provided for what I needed. Then, the representatives sound like they are all from the XXXX ( which is fine ) and have questionable command of the English language ( NOT fine ). After a 17 minute wait, which is eternity for a working person, my first representative told me that it would take 15 minutes for my bank to access the report. I get a call 2 hours later and this has not happened. I call back. Another 17 min wait and then a 3 min wait. The representative continued to get stuck on the duration of the freeze lifting - initially told to me for " 24 hours, '' but which is apparently 48 hours. Fine. I just want the bank to have the report. I repeated myself 3 times. Then he says it takes 10 min to 24 hours for the freeze to be lifted. Since the second guy did n't understand what I needed the first time, I am still not clear on whether he means that it could take 48 hours to lift the freeze and whether the freeze is temporary. I do not have the time to sit on hold a third time. 
1 ) I did not ask Equifax to monitor my credit 2 ) I do not want my personal info spread all across the globe and blame them for not protecting my information. 
3 ) Companies mess up. I accept that. But now they need to make it right. They need to provide adequate assistance to communicate with the company, which means providing easy to locate telephone numbers and adequate representatives to make things right. There is also no excuse in the digital age for it to take 24 hours to allow me access to my report. 

I feel completely powerless in this situation, which I have absolutely no say in. With great profit and power comes great responsibility. When are you going to protect American consumers.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I filed a complaint # XXXX Re : XXXX charging my credit card a {$50.00} " restocking fee '' for a phone that I bought on XX/XX/XXXX and returned to the same XXXX store on XX/XX/XXXX because it did n't work as promised. On XX/XX/XXXX I got another bill from XXXX advising me that they plan to auto bill my Barclay card for {$25.00} on XX/XX/XXXX. I called Barclay today and disputed this new charge. The case number is XXXX. I have emailed XXXX XXXX disputing both the {$50.00} " restocking fee '' and this new {$25.00} mystery charge. 
I DO NOT have a XXXX account, a XXXX phone, and I DID NOT authorize this mystery fee of {$25.00} or any other charges since the day I returned XXXX 's phone and closed my account, and ended forever my no-contract cell service with XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-09
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. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX  XXXX number XXXX payment late XXXX 2021. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX SSN : XXXX XXXX  XXXX : XX/XX/XXXX Phone : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Account Verification and Proof in Accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) Dear Experian, Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I am requesting verification of the accounts listed on my credit report. According to the law, you are required to verify all accounts through physical copies of the original accounting records and signed consumer contract for each account. This is necessary to prevent fraudulent information from being posted to a consumers credit report. 

I am demanding verifiable proof of the original accounting records and signed contract for the following accounts listed on my credit report : XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Opened or to be opened on XX/XX/XXXX, with no balance ( {$0.00} ). 
XXXX ( XXXX XXXX ) : Opened on XX/XX/XXXX, with a balance of {$0.00}. 

Your failure to verify these accounts has adversely affected my ability to obtain credit cards, property rentals, car loans, home loans, employment opportunities, and other basic necessities. Under the FCRA, any account that can not be 100 % verified as accurate must be deleted from my credit report. 

Furthermore, these accounts may contain inaccuracies, outdated data, or information that has not been properly updated. I suspect the following potential issues with these accounts : Inaccurate or outdated account details Inaccurate balances, including paid or closed accounts Identity theft or fraudulent activity Discrepancies between the information provided by different credit bureaus Potential violations such as double reporting by collectors or misreported account status If you are unable to provide verifiable proof ( original accounting records and signed contract ) for the accounts listed above within XXXX calendar days of receiving this letter, I demand that you remove these accounts from my credit report. Failure to comply will be considered a violation of Section 617 of the FCRA, which allows for civil liability for negligent noncompliance. 

Please respond with the requested proof or confirmation of removal of these accounts. If you need further information from me, do not hesitate to contact me at the contact information provided above. 

View uploaded documents by clicking on the file name. 
XXXXXXXX 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 Remove Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is really frustrating, I have recently checked my credit report and found inaccurate information which turns out it is negatively impacting my score and my life in general due to your negligence, this has been already deleted by both XXXX and XXXX and blocked from reporting yet you continue to put this erroneous information on my credit which is really insulting and a blatant violation of my rights as a consumer.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-09
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. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-09
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. (GA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2017-10-16
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: WELLS FARGO & COMPANY (FL)

All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over XXXX months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.