davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

XX/XX/XXXX, is the relevant date when this matter began when I first called to terminate my service. See the chronology attached below. 

XXXX XXXX XXXX erroneously continued to charge my account beyond the date service was to be terminated as well as assessing charges for equipment, which was all returned via UPS as instructed. I have spoken to their customer service several time and have ample notes and documentation of those calls extending over they past year and a half. I have also responded to I.C. System on several occasions disputing this balance of {$150.00}. 

I wrote to both XXXX  ( successor to XXXX XXXX ) and I. C. System with full documentation and chronology of this debacle and demanding that this entry to my credit reports be removed. That communication was sent Certified Mail on XX/XX/XXXX. I have attached a copy of that correspondence below. 

XX/XX/XXXX I received a notice that I.C. System had removed the credit reporting entry, stating that they had, " been unable to verify the information and therefore had requested that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. '' That response further stated that " the debt will not be re-reported to the credit reporting agencies by I.C. System, Inc. '' XX/XX/XXXX I received a notice from I.C. System stating that " XXXX provided the attached information, verifying your responsibility for payment. '' The attachment was a copy of two statement pages from XX/XX/XXXX. However, if you review the attachment, there is no reference to the amount they claim of {$150.00}. This is clearly a cursory gesture by XXXX to justify this error so that I.C. System to continue their illegal collection attempts. Surely, I.C. Systems can not be exonerated from actually reviewing the documents to see that they actually do " prove '' the debt. Which this certainly does not. The consumer and debt collection statutes clearly charge such companies to exercise due diligence in validating the amounts they are attempting to pursue.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

My account with XXXX XXXX was closed XX/XX/XXXX and I had clerk to verify both units was empty. Now I have a collection stating I open in XX/XX/XXXX and past due as of XX/XX/XXXX of XXXX. I have talked to them several times telling them my account was closed with the clerk in XX/XX/XXXX. I was told clerk did not close the account out correctly. I moved out before another due date and clerk stated she terminated contract and I didnt need do anything else and I didn't owe any more money. Now they want me to pay for something I didn't have and didn't use. Very unprofessional and should train employees correctly to handle such transactions to keep patrons from going through distress to prove their truthfulness when the employee did not follow through the termination accurately on their end.
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (GA)

Please see ATTACHMENTS including the FULL Federal Trade Commission Identity Theft Report, Report Number - XXXX. I am a XXXX American lawfully protected consumer and deserve humane trearment. I AM NOT submitting this complaint IN ERROR NOR am I submitting this claim based on MATERIAL MISREPRESENTATION.
Consumer complaint received 2024-08-12
Product: Credit reporting 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. (OH)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-05-07
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: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

I have continuously been submitting letters to both creditors and all XXXX bureaus over 5 times in a matter of over 120 days and nothing has been resolved. PHFA has gone against my consumer rights reporting information that was never given my written consent and I demand every late payment on my report be deleted before I file a law suit.
Consumer complaint received 2023-05-07
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. (FL)

On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked Equifax, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AZ)

The debt collection company JEFFERSON CAPITAL SYSTEM continues to change the start date of the debt ... the XXXX XXXX debt was reported in XXXX originally ... I do not receive statementS from JEFFERSON CAPTAL SYSTEM monthly anymore ... they send a statement once every six months or so and then change the beginning date on my credit report to the date they have mailed the current statement ... this debt was supposed to be removed by XXXX XXXX in XXXX because the young men at the store ( a franchise ) were investigated for " improper account manipulation to gain commission '' and found to have fraudulently reported this information to XXXX XXXX ... Who in turn sold the debt to JEFFERSON CAPITAL SYSTEM ... 

I have not had contact with JEFFERSON CAPITAL SYSTEM since XX/XX/XXXX ... So they are incorrectly reporting of the beginning date of this debt ....
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Westlake Services, LLC (IL)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates, LLC XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX On ( XX/XX/XXXX ) They are claiming that I owe a debt I have know knowledge of from XXXX XXXX, I have documents showing no record of what they are claiming, I sent them a cease and desist letter on the day of XX/XX/XXXX. I also sent it certified mail. I receive the return receipt on XX/XX/XXXX. Now again XX/XX/XXXX XXXX XXXX, Is trying to collect from me the same debt.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NJ)

I received a letter from Suntrust saying that I opened an account with them. The letter came with 3 checks and a deposit slip. I have never opened an account with them or have done any business with them so they are opening an account in my name without my permission. I called them and the first question I get asked by the automated answering service is if there is somebody in my house more than 50 years old. What type of bank answers the phone with this question? 
I hanged up and after reading other similar complaints ( 43 in 3 years ) on your website I don't want to call them again. They do not offer any explanations to anybody. I am hoping that you will investigate this company and do something about this so they don't keep doing the same thing to other people. I can't believe that after getting 43 complaints from them they are still doing the same thing.
Consumer complaint received 2023-05-07
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. (OH)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 information is inaccurate.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE
Consumer complaint received 2020-11-18
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. (AL)

I have fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of XXXX XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.
Consumer complaint received 2020-10-09
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. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the  Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GREAT WESTERN BANCORP, INC. (IA)

My account was placed on hold after I transferred {$2000.00} from my North Carolina account with XXXX XXXX XXXX  to the new account at Great Western Bank. They will not give me a reason why it's on hold. I can not get anyone to give me more than there first name for identification. They say they can hold my money for 10 days with no reason why.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation (PA)

I have been writing Credit Solutions and demanding that they tell me why they are on my credit. After several attempts at contacting them, they have sent me nothing at all. They have however continued to verify the information to the credit bureaus. The FCRA says that I am entitled to the information that is being reported about me to the credit bureaus. I demand that they remove this account since they have not provided anything to me whatsoever! PLEASE HELP ME!
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

I have an issue with a debt collection agency named CCS Collections. The debt was originally from XXXX XXXX XXXX. I paid the entire debt of {$280.00} with a bank account I no longer have so I can  not prove I paid it. I have tried to dispute it with XXXX  and XXXX and I have also tried to contact CCS Collections by phone to let them know that I made this payment. I made the payment in XX/XX/2018. I believe it was in the summer or fall, however, it could have been sooner. The know I did not make the payment after XXXX. The agency refuses to help me since I cant prove I didnt pay the payment since I no longer have access to the old bank account I used. I believe it was with my XXXX XXXX XXXX  account, however, I could have used my XXXX XXXX account. How do I fix this? Im affected by covid-19 and can not afford to pay this a second time!
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-11-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (NV)

I got a payday loan from Rapid Cash in XXXX XXXX in XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XXXX of XXXX, which is utterly false. I havent been in a Rapid Cash store in years. The collection agency, XXXX, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX  representative suggested I file a complaint. Please stop XXXX from their corrupt practices and from harming my financial health.
Consumer complaint received 2020-11-18
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: ENCORE CAPITAL GROUP INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. Midland Funding hired a third-party collection of XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2020-10-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-09
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 (NH)

In a letter from LexisNexis, dated XX/XX/2020, the consumer reporting agency stated that after a reinvestigation of an alleged Bankruptcy, LexisNexis was unable to verify the accuracy of case number XXXX, and removed the record from my LexisNexis Risk View report. 

I recently requested a copy of my LexisNexis National Credit File and this same inaccurate and unverifiable account is reporting there. If LexisNexis was unable to verify this account then it must be removed for their records entirely.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
Experian, XXXX  and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.