davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-20
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Whatever is tendered as payment, whether property, money or an INSTRUMENT, if ACCEPTED, the deb is discharged.

" Also see ; UCC 3-311, 3-603 AND 3-601 Affiant is awre and knows that all complaints of MAIL FRAUD can be handled through the XXXX, including butnot limited to any ATTEMPTS TO DEFRAUD emanating for your office. 

Affiant is aware and knows that in the event of any opposition to this " AFFIDAVIT OF LEGAL TENDER OF PAYMENT ACKNOWLEDGEMENT AND DISCHARGE, the opposition must be done b rebutting each and every point, point by point and making said rebuttal public record, signed in the rebutting party 's full Christian/ Family name, under penalty of Law including but not limited to perjury.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies XXXX, TransUnion, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have repeatedly disputed inaccuracies on an account called XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information
Consumer complaint received 2024-06-04
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** Balance Owed : {$7100.00}
Consumer complaint received 2024-06-04
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account as well as proof of permission to share my non public information to a third party and other documents so I may review to see if this actually belongs to me. Im requesting this to be deleted immediately from all reporting agencies.
Consumer complaint received 2024-06-04
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: ENCORE CAPITAL GROUP INC. (IN)

Served an order to appear in court on XX/XX/XXXX from XXXX and XXXX XXXX. It states the plaintiff was Midland Funding LLC. The document states that I am the owner of a debt obtained on XX/XX/XXXX in the amount of XXXX. I had to appear at court on XX/XX/XXXX which I did. At that time there representative was about to leave but I stopped him and stated what I was there for. He asked my name and I told him. It was at this time I had asked him whom was the debt from and he stated he did not know and that I could call a XXXX number and they could tell me more information. He stated he was just there to ask XXXX questions that I answered. When I called the XXXX number the agent I spoke to was rude but I asked him where did the debt come from especially since it was a debt from almost XXXX years ago. He stated XXXX XXXXXXXX XXXX. At that time I told him I never opened an account up with XXXX XXXX XXXX and I requested he please send me all the original documentation to verify that I was the owner of this debt. He laughed and stated ok and hung up the phone. XXXX XXXX XXXX is a credit card company and I don't have any memory of opening an account with them at that time. I still have not received the documentation or spoke to anyone regarding this situation. My complaint is that they are trying to garnish my wages for a debt that may not be my debt and also if it is a credit card then they are well past the statue of limitation for this debt. This has cause a lot of unwanted stress in my life.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of XXXX scam. I have wire transfered {$10000.00} for trading crypto currency to Bank of America. Later i realized that they are scam and using fake crypto currency trading platform. They did not allow me to withdraw my money and blocked my account. I have opened a fraud claim with the bank and requested to refund my money but Bank of America rejected my claim. I filed a claim with XXXX and reported to local police department. 
Below are the wire transfer details. 

Beneficiary Information : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CALIFORNIA XXXX Beneficiary Bank : BANK OF AMERICA, NA, NY Account : XXXX ABA # : XXXX Crypto Trading platform - https : //smatl.com
Consumer complaint received 2024-06-04
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Radius Global Solutions LLC (AZ)

Today XX/XX/XXXX, I received a phone call from XXXX with Radius Global solutions, and he said he was a debt collector and was attempting to settle a debt from XXXX XXXX for the amount of {$1400.00}. So, i asked him for the information and i wanted to see the contract and also where i signed giving consent to give my personal information away. He was extremely rude and said he was going to send it to the credit bureaus stating that i had no intent on taking care of my debt. I stated to him that he was falsifying my account with something i never said and that was illegal of him to do that. I then asked him if i could dispute this since the amount was incorrect and told me he would send me the information and I have not received anything. 
I am XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX. I haven't used XXXX since XX/XX/XXXX.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I was notified by XXXX XXXX that a new account was on my report. 
I was never notified about this alleged debt. 
I see that Transworld Systems has reported a debt that is not mine to all 3 credit reporting agencies. I have not been advised of this debt prior to it appearing on my credit report, without my permission. 

Transworld Systems states that there are two alleged debts totaling {$2000.00}. 
They have put this information on the report pertaining to me at XXXX, XXXX and XXXX XXXX. 

I have disputed the alleged debt with the agencies and have sent a letter to transworld systems regarding the debt, requesting verification and any information that they may have. 

I believe this is part of an identity theft situation, and therefore, it is erroneous for this company to provide false information to the credit reporting agencies.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit management is a company attempting to collect an alleged debt i have no liability for as i have never has a wet ink signatured contract with this company at all.They are not registered nor license to do business in the state of florida and are clearly in violation of identity theft as well as the fdcpa.This company has been harassing me, has not provided documents i have requested and has not honored the cease and desist til any of the documents are provided.This company has violated my federally protected consumer rights and has been trying to extort me and my family. 
in violation of : 15 usc1692b, c, d, c, e, f, g, j,
Consumer complaint received 2024-06-03
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: National Credit Systems,Inc. (MO)

I am trying to move and this XXXX that's inaccurate is reporting on my consumer reports. 

This is investigation did not fix the error on my report when I disputed it about XXXX times. It just keep getting updated which is a violation. With the damages on my credit report, according 15 USC 16981 there should not be anything damaging on my credit report. Which makes this a defamation of my character. 

I haven't been granted a proper investigation with the credit bureaus because I explained my situation and how the creditor is and continues to violate my consumer rights. But the credit bureaus to ignore my rights.
Consumer complaint received 2024-06-03
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Credence Resource Management, LLC (AZ)

See attached for the initial complaint. It's been 60 days and I have yet to receive an update from my initial complaint. I submitted in my initial complaint an email confirmation from XXXX confirming I returned the equipment. 

This small collections amount has harmed my credit unfairly and the matter was resolved in 2021. In fact, this account has already once been removed. It's now reported again on 2 of my 3 credit reports accounts. It need to be removed or I will take legal action for the harm done to my credit.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had an XXXX stolen which I turned into the police and got a police report. With the stolen XXXX, the thief got access to a crypto account ( XXXX ) and charged my account for {$14000.00}. They did XXXX different transactions that went through along with quite a few others, not sure how many because Bank of America did not disclose this information to me. 

I filed a claim on XX/XX/XXXX when I received a notice of possible fraud from Bank of America for XXXX separate charges from XXXX XXXX. Which I believe was also accessed through my XXXX. 

Bank of America denied the claim 3 days later. I sent in documentation asking them to reconsider. They reopened and closed the claim again. I sent in more documentation, along with the police report. The claim has been opened for 70 days now and not once has someone from Bank of America reached out to me for information. 

I have sent in the documentation on my own through their fax system and each time its been reopened. But not once has someone reached out to talk with me. 

70 days and not one word. This is a significant amount of money and it has really hurt me and set me back.
Consumer complaint received 2024-06-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-05
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)

Self XXXX XXXX XXXX  was closed and paid off over a year ago and I have not used this account. It has been reported as late last month as an illicit way to negatively effect my credit score as a reprisal by a garbage law enforcement officer by the name of XXXX and other individuals acting in concert and with illegal access to my information deliberately and continuously in order to create a purpose for these garbage thieves they have deployed against me in my neighborhood as well as for the past XXXX years.. This account has been closed and the persons they are deploying are illegally and deliberately attached to my identity including my ex wife. 
1 LATE PAYMENT Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Secured Card
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

I am writing to express my disappointment with the ongoing issue concerning the removal of these fraudulent items from my record, despite these attempts to rectify the situation. In regards of providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the fraudulent items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-05
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

I received a notification that I had a debt with XXXX. I told the caller that it was not me and that I have a different phone provider. I then receive a mark on my credit report a year later and the company they gave it to does not have any information to provide me. It is not my debt and needs to be removed.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (OH)

I recently checked my credit and noticed some items that need to be removed as I filed chapter XXXXXX/XX/XXXXwhich has been XXXX. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately:XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a purchase and change my mind. I contacted XXXX to no avail. I chatted, emailed on numerous occasions. All unanswered with a final one that gave some glimmer of hope- they confirmed the request to cancel was in the cancellation window and even offered ways to have my funds returned. When it was time to confirm the funds were to go back to my card, they said there was some kind of issue and that it would be escalated, and I would hear from them in the next 7 days. I never did. I opened a dispute and explained and sent PROOF of the many attempts I had made, confirmation of being in the cancelation window and being asked how I wanted my funds back. That proves I was correct. BUT Capital One sided with the XXXX and closed the investigation, I even spoke to a supervisor. She told me to send more emails to " build my case ''. I did so for absolutely nothing. Case closed. What in the world do I need them to dispute anything if they are not investing but rather taking the word of the merchant? The merchant that has so many complaints against them? They do not have a number to speak to anyone. I wonder why!! I spent hours trying to cancel. This is horrible and crazy!!