davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AL)

RECEIVEABLES PERFORMACE CONTACTED ME ABOUT A DEBT THAT I HAD, THEY ASKED ME TO PAY THE DEBT AND THEY WOULD REMOVE IT FROM MY CREDIT REPORT THEY ASKED FOR A PAY TO DELETE. I PAID THE DEBT AND THEY DID NOT REMOVE IT, IT IS STILL SHOWING ON ALL THREE OF MY CREDIT REPORTS. IT NEEDS TO BE DELETED AS PER THE AGREEMENT WITH THE DEBT COLLECTOR.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

THE XXXX XXXX XXXX WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I open an American Express platinum card for XXXX XXXX in XX/XX/2019. I finished the spending requirement {$5000.00} with the first three months after I opened this card and get a bonus of 60000 Membership Rewards points. However, the bonus has been clawed back this month ( XX/XX/XXXX ). They tell me the reason is this card has been canceled ( because of my XXXX XXXX access investing account is canceled ). But most importantly, I used to call them several months ago and the representative tells me that if the membership rewards were given to my account and they will never remove it. Obviously they lied to me. 

My American Express platinum card for XXXX XXXX is canceled is not I want to close it willingly ( not like some gamer just want to get the bonus and then terminate the account ). The reason for the cancellation is The XXXX XXXX access investment account close my account and they do not let me to reopen a new account and dont tell me the reason. I am still working on that. 

Above all, I can prove that i am not a credit card gamer so my bonus rewards should not clawback.
Consumer complaint received 2023-07-17
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 seven 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 information is inaccurate
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

The following Hard inquiries were made on my credit : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In XX/XX/2018, I Applied credit Freeze to my XXXX and XXXX  accts  via XXXX XXXX I then Called XXXX cust service on XX/XX/XXXX to inquire as to why they were making inquiries on my credit They had no record of my name/address I then Checked XXXX XXXX for my credit report XX/XX/XXXX I Found that there was an account in collections that was attached to my credit Collection agency XXXX XXXX XXXX # XXXX ( acct ) Reported XX/XX/XXXX The information on the account : Acct : XXXX XXXX - {$1600.00} Client # XXXX Acct holder XXXX XXXX ( authorized user XXXX XXXX ) XXXX XXXX # XXXX, XXXX VA XXXX I do not know XXXX XXXX or XXXX XXXX - i do not have any connection to this address in XXXX, va - and I NEVER opened this account - I Explained situation ; ( XXXX XXXX @ XXXX ) advised me to call XXXX I then called XXXX cust serv XXXX XXXX advised I needed a police report or go to XXXX file a claim and email it ; Went to two police precincts neither were able to help ( no one in to handle this type of report ) Went online and filed claim and emailed to to XXXX XXXX XXXX. XXXX Filed claim of fraud with XXXX acct : XXXX spoke to XXXX XXXX @ XXXX stated the collection file was removed as of XXXX Now, as of XX/XX/XXXX SEQUIUM ASSET SOLUTION has placed an account for collections on my credit file - SAME PROBLEM -- Original creditor : XXXX XXXX {$1400.00} I tried to call SEQUIUM -- they say they can not help me - On XX/XX/XXXX, I received an email from XXXX XXXX ( REC DOCS ) stating that they had received the fraud packet, and assigning a customer ticket # - XXXX
Consumer complaint received 2019-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

XX/XX/XXXX- T - Post Date via XXXX XXXX XXXX withdrawal XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX PayPal - XXXX XXXX - XXXX- XXXX - Various purchases XX/XX/XXXX-XX/XX/XXXX I am discovering I am a victim of identity theft, my information was obtained by a previous in-law and used fro nefarious purposes. 
I began to notice the shift around XX/XX/XXXX and have been suffering sense.
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Received a letter, Dated XX/XX/2019, from a debt collector falsely stating that, I owe {$730.00}. This is not my debt. I informed the debt collector that, I am represented by a Law Firm, regarding the alleged debt..
Consumer complaint received 2019-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

submitted dispute, requested documentation and received none as to the verification of disputed accounts, contacted the collection agencies to request documentation, collection agency could not or would not comply with request for documentation related to accounts, reported this to Experian, derogatory still active on report. 3 months later try to request another dispute thru Experian and am told I cant dispute an item I disputed before, no where in the FCRA regulations does it say I'm limited to the amount of times I can dispute an item on my report. I have screen shots of me trying to dispute items on my Experian report and it telling me Sorry you cant dispute an item you have previously disputed 3 months ago or for any time before.
Consumer complaint received 2019-10-21
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. (AL)

Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX XXXX accounts opened XX/XX/2016 with balance of {$900.00} and account opened XX/XX/2016 with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However XXXX  and Transunion both are still reporting these accounts after several communications with them that I never opened any of these accounts.
Consumer complaint received 2024-09-09
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-10-22
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. (MI)

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX XXXX  for the account number XXXX The late payment is reported a dated XX/XX/2024, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Consumer complaint received 2023-05-31
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. (VA)

I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download XXXX and Transunion app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called Transunion and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like 20 addresses. It even shows that I have an address in Colorado and I never even been to Colorado. 

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines. 

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new one too. I don't know if that has anything to do with this.
Consumer complaint received 2023-05-31
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 reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a kikoff account on XXXX XXXX or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX.
Consumer complaint received 2023-05-31
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. (TN)

I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a kikoff account on XXXX XXXX or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX/XXXX  on XX/XX/XXXX, XXXX  XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-05-31
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: William D. Meeker Enterprises, Inc. (OH)

Upon reviewing my recent credit report, I noticed an inquiry from CIC CREDIT, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Consumer complaint received 2023-05-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I disputed a few items that are on my credit report back in XXXXXXXX XXXX XXXX with the CRA ( Experian ). I was NOT notified by mail within 5 business days as it Pertains to 15 USC 1681 ( i ) 2 ( a ) .I believe the CRA did not properly assess a complete investigation. 

As it pertains to 15 USC 1681i ( a ) ( 1 ). ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

" FREE OF CHARGE ''. Well I disputed items and the CRAs have decreased my overall credit score. That would be considered " charge ''. I have the right dispute any item ( s ) I deem to be " inaccurate, incomplete or wrong '' FREE OF CHARGE ; that includes penalties for for exercising my rights. 

I am being violated!
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (MD)

XXXX XXXX and Global Vlient Solutions scammed me into a credit repair service debt cancellation where I was told to not pay on my credit cards and they would negotiate a settlement. It worked for a few accounts but they never followed thru with a settlement offer from XXXX XXXX nor did the so called lawyer who was supposed to handle it prevent them from having a judgement and huge lien against me. My bank account has been over {$13000.00} in the hole because of this and my credit is ruined. Since they can no longer get money from me, because of the judgment against me that they caused, XXXX XXXX is unwilling to do anything to help rectify this problem.
Consumer complaint received 2023-05-31
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # XXXX, has violated my rights.

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 2024-07-17
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. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally dispute certain adverse items on my credit report, which I believe are inaccurate and were made without my consent. Under the Fair Credit Reporting Act ( FCRA ) Section 1681b, a credit report can only be accessed under permissible purposes, and any inquiries that do not meet these criteria should be removed.

I did not authorize these inquiries, and they do not comply with the permissible purposes outlined in Section 1681b of the FCRA. Therefore, I request the immediate removal of ALL unauthorized hard inquiries from my credit report.

15 USC 6802 b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I WAS NEVER INFORMED OF THIS RIGHT! 

I am very distressed that you have included this information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home loan, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. This error has undermined my confidence in the public. 




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Consumer complaint received 2023-05-31
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: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXXXXXX XXXX XXXXXXXX