davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I Am unaware of this debt and i did not have the proper oportunity to dispute this debt. 

However, if you believe is mine I would like to request from you the certified receipts with my signature where I receive proper notice from you, 15 USC 16 81 I 5 requieres a debt collector to properly notify a debtor of any debt collection account they received within 5 days. 

You may send the certified return With signature that you send me to my current adresss
Consumer complaint received 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEMENT is a collection agency seeking to collect a debt from an old phone account that my deceased XXXX had at XXXX. She passed away and I ended up getting a evicted from my apartment when I was XXXX XXXX XXXX and this phone account was in her name with me on it. They transferred me as the primary and have been trying to ruin my credit and collect the debt since my mother passed away in XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

usbk court middle florida all inquires that is listed on my credit report
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-18
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. (AL)

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX
Consumer complaint received 2024-07-18
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)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, XXXX, Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged 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. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-10-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (VA)

XXXX XXXXXXXX agreed to a lease for a newly constructed apartment that they breached by sending an email on XX/XX/XXXX stating it wouldn't be ready. My daughter, a college senior, needed housing by XX/XX/XXXX. Meanwhile, I requested to break the lease so we could secure housing in XXXX and was told it wasn't an option. They offered to house my daughter and pay a stipend towards alternative housing. Due to no other choice, we took one of their options by moving into a hotel that required me to pay money the cost difference. Per the lease, we gave them 90 additional days ( until XX/XX/XXXX ) to finish my daughter 's XXXX floor apartment and it still wasn't ready. On the XXXX day and we reached out to my daughter 's college housing and they found her an apartment on campus. She moved in on XX/XX/XXXX prior to her winter break. There were lots of complaints from tenants that the building had issues. I also keep in touch with the county 's permit office regarding the buildings readiness. We are not paying XXXX XXXXXXXX when they breached the lease. My daughter graduated on XX/XX/XXXX. I'm filing this complaint for me and my daughter, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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)

The discrepancy in the Date of Last Activity between my Experian and XXXX credit reports constitutes a violation of consumer law under 15 USC 1681 ( e ) ( b ). This law mandates that all information reported by consumer reporting agencies must be accurate and verifiable. The differing dates of last activity on these reports indicate an inconsistency that could impact my creditworthiness and financial standing. It is essential that this discrepancy be promptly investigated to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to maintain the integrity of my credit profile.
Consumer complaint received 2024-07-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and by someone I trusted to do my credit repair, whose name is XXXX XXXX XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed EXPEDITIOUSLY!!!!
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

On Friday XX/XX/2023 I was a victim of theft where most of my personal items were stolen, in which my cellular device was taken as well. My cashapp had been logged unto this device where the person sent over {$140.00} dollars to someone I had never done any transactions with. That same day I was able to purchase a new phone in which I've added my cashapp information to that device and updated my phone number removing old information so the old device wouldn't be able to access my account anymore. I proceeded to send over a refund request because I simply didn't know what else to do and I knew this had been an unauthorized transaction. In hopes that the person would refund me my funds I waited to contact cashapp, the person still hadn't responded so I called cashapp Monday morning to let them know of the issue but they were no help to the situation although it states they would protect all customers. I've explained to the company I had never done business with this individual. I know according to consumer laws when a consumer states that there's been unauthorized transactions theyre supposed to investigate which they still didn't.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (TX)

GM Financial continues to attempt to charge me for property taxes on a leased vehicle. I have leased vehicles in XXXX XXXX before and never once was charged property taxes for the vehicle. GM financial has not sent me documentation showing i am responsible for such fees. I did all the leg work and went to the county tax office. They do not understand why i am being asked to pay these taxes. i also contacted the XXXX XXXX XXXX who assisted with the lease and the finance department is not familiar or understands why GM financial continues to try to collect. i traded in my vehicle and paid the previous years taxes only because the vehicle was traded in. Below is the email i sent to GM financial. They have only responded with an advisor calling to tell me that " im responsible '' no proof, no documentation. nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : Property Tax on leased Vehicle Account XXXX Dear GM Financial I am responding to your contact about collecting an alleged debt. You contacted me by phone on XX/XX/2023 regarding an outstanding tax bill. 

I do not have responsibility for the debt you are trying to collect. 

if you have a good reason to believe that i am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that i dispute having any obligation to this debt. If you stop your collection of this debit, and forward or return it to another company, please indicate to them that is disputed. If you report it to the credit bureau ( or have already done so ), also report that the debt is disputed. 

I was advised to contact our XXXX XXXX tax office. I have done so as requested and was informed that i do not have a tax bill that i am responsible for. I also contacted the finance department at XXXX XXXX XXXX in XXXX TX and was informed that they have never heard of such thing and are very familiar with leases completed for GM financial. 

As stated above, please provide your documentation that shows i am responsible for this debt. If you find that this was an error, please return the previous years tax bill of {$210.00} to the address above in the form of a check.

Thank you for your cooperation Sincerely, XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXXXXXX XXXX. 

On Wednesday XXXX XXXX XXXX in XXXXXXXX XXXX told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX XXXXXXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
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Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX took nearly three months as i submitted a complaint in XXXX and now in XXXX i got an email saying nothing was changed. its ruining my chance of getting a car, an apartment, or new lines of credit to allow me to escape poverty after lossing my job from covid
Consumer complaint received 2024-07-18
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: PNC Bank N.A. (CO)

IN 2021, BBVA banking sold my mortgage to PNC Bank. At the time I was paying BBVA bimonthly and they would hold the first payment until the second arrived. When PNC took over, I continued to make the biweekly payments from my bill pay account. But they would send the first back as an incomplete payment before the second payment arrived resulting in late payments. I spoke with someone on the phone and he said that PNC also had that program, but I would have to pay to use it. I said that was fine but I would just mail the full payments instead of continuing the biweekly payments. Then I sent checks in and the checks were not cashed. I called to find out why the checks were not being cashed and was told they had not received them, but that it was not a problem they were going to put me in a COVID deferral program and I would receive documents on that within 30 days and not to worry about the missing checks. I received an approval letter and called weekly about the documentation. A month later I called again and was told that it was denied after all as I was now four months behind ( despite that I was told not to worry about the missing checks ) and that they were putting me in foreclosure. I told them I had the money as I had had it all along, yet multiple calls and no one would tell me the amount to pay to resolve the issue. I then received an email stating that the missing checks had been received, but they had gone to the old address and would not be cashed. Following that I received a mortgage acceleration letter. I finally found a customer service person who took pity on me and gave me the amount to take to the bank to resolve the issue before the legal department even moved forward with the foreclosure. However, they put multiple late payments onto my credit report including 120+ days. I have sent letters, spoke with their executive team and had a lawyer contact them and they refuse to resolve the issue removing the late payments from my credit saying that despite that I had been paying BBVA biweekly that they were not obligated to honor that and that I should have received a welcome letter with the change of address which I did not and my payments were automatic through my bill pay service. This is hands down the worst banking service I have ever had.
Consumer complaint received 2024-07-18
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. (FL)

Subject : FTC Report : Dispute of Fraudulent Account Dear CFPB I hope this message finds you well. I am writing to report a fraudulent account that recently appeared on my Experian credit report. The account in question, identified by XXXX  acc # XXXX, purportedly opened in XX/XX/year>. However, I was completely unaware of its existence until it surfaced as delinquent earlier this year. This account appeared unexpectedly and without any prior notice on my credit history. I strongly believe that this account is a result of identity theft, and I am a victim of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. According to FCRA Section 611, upon investigation, if it is determined that information is inaccurate or can not be verified, the credit reporting agency must promptly remove or correct it. 

I have already filed a report with the FTC regarding this matter and have also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). Enclosed with this letter are copies of my identification, Social Security card, FTC report, and CFPB complaint for your reference and to assist in the verification process. 

I kindly request your immediate assistance in thoroughly investigating this matter in accordance with FCRA guidelines. Please advise on the necessary steps to promptly remove this fraudulent account from my credit report and prevent any further impact on my credit standing. You can reach me at ph # XXXX or XXXX for any additional information needed
Consumer complaint received 2023-04-26
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

I had my identity used to open, and attempts to open, credit card accounts fraudulently. Experian is in the process of remedying those accounts and/or inquiries on my credit report. 
However, they asked that I create a report at XXXX, and then upload it to their platform, so that an investigation could be opened into the party or parties attempting to steal my identity/commit fraud. I did create and download a report from the identitytheft.gov site, but when I attempt to upload it to Experian 's website, it doesnt " work... I enter my personal information on the first page, click the button indicating I understand the disclosures, but when I try to advance to the next page to upload the report, it wipes out all of the information in the fields and leaves me with the starting page as I landed on it. 
I have made multiple attempts to get to technical support with Experian, but can never get through... they only allow you to choose from the automated options to report new fraud, put a freeze on your credit etc., without ever getting a live person who can provide technical support. 
I have tried at least 10 times each with two different browsers to upload the report, and the same thing keeps happening.
Consumer complaint received 2024-07-18
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX : {$5800.00}