davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (OH)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows :
Consumer complaint received 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (MS)

The debt is on my credit. I have no knowledge of it. I would like for these items to be remove from my credit report. 


conserve-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (OK)

I submitted a letter to Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Fresh Holdings Inc (LA)

On XX/XX/XXXX I submitted a draw for {$2000.00} to my bank account. The funds were said to be put in account by XX/XX/XXXX at end of day. Never was. I called every day and they said it was sent. Never got it. Finally they said it needed a trace and would research. Finally I saw the funds back in the credit so I re submitted the draw for {$2000.00} the people called me to verify my bank AGAIN and once again I did not get my money and they are now saying I cant get it because they need to put another trace. This is two weeks with the same run around lies. They have me owing {$220.00} for a monthly payment on XX/XX/XXXX due for a loan that I HAVE NOT EVEN GOTTEN!!!! Credit fresh is the company.
Consumer complaint received 2023-07-23
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. (MO)

XXXX has sent over my account to collections ( XXXX XXXX XXXX ) and is saying I have unreturned equipment which was returned to XXXX. I also received multiple refunds in regards to the return of the equipment. I have been trying to take care of this matter over a year and XXXX is refusing to give me my account information to verify anything because they said my account is cancelled. The information the collection agency was given is inaccurate since the equipment had been returned. XXXX sales person offered the equipment and claimed I would have discounts but I was mislead and returned the phones. XXXX is claiming they don't have the phones but its been over a year and they said they won't even contact the carrier to see where the devices could be. I have tried to dispute this with the reporting agencies but it has been no help.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiry : 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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 2024-10-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MS)

I got a call from Transworld systems inc saying I owe XXXX when I have been getting 2 separate bills they advised they would fix it but they never did yesterday I got a bill with another bill 2 separate bills I have 2 account numbers and they would never fix it I have never gotten any bill for {$360.00} which is the total they say I owe this total is the 2 accounts they created and have not fixed one for {$200.00} and the other for {$160.00} you can no double bill a customer and not fix it and expect a customer to pay for 2 accounts this is madness this company needs to send this account back to XXXX to fix so the consumer can pay what is owed cause 2 bills with 2 separate accounts is a no
Consumer complaint received 2024-10-16
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: SANTANDER HOLDINGS USA, INC. (FL)

I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this XXXX XXXX XXXX ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ran a credit report on XX/XX/XXXXXXXX XXXX XXXX rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX santander consumer ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of 2018, there was an unauthorized charge to my debit card of my business checking account at Bank of America. It was a new account about 30 days old. I didn't see this until XXXX of 2018, as I don't regularly check that account because there is not much activity on a monthly basis. It was charged by a " plumbing company '' from XXXX XXXX with a phone number listed on the charge. Phone number was fake. this was a large amount, {$2700.00} and change. I have to dig out the details and can provide at a later date. I immediately called BOFA and reported the fraudulent charge and First they said that they'd be happy to refund me the $ XXXX back into my account. I said, no, that is {$2700.00}! Then I was told that that amount would have to be " escelated ''. Then they told me that they would look into it. Not three days later, I received a form letter telling me that the charge was legit to a legit company. Clearly, they didn't look into it at all. Whoever I spoke to on the phone at that time simply pressed a button to send out a generic, " too bad for you '' letter. I called customer service again to tell them that, it indeed was fraudulent and that simply dialing the phone number listed on the debit would bring you to a disconnected number to prove it. I was told by a very nice person that there is a window of 60 days to report such a thing and that I was very close to it so she would report this and get back to me. She seems like she was going to get it all straightened out. I received another " too bad for you '' letter in the mail. Next I went into the local branch in XXXX, Tx and brought up the whole matter. Managers got involved. Supposedly it was going to get fixed. I could not afford to lose that amount. It is a lot of money to regular people ; not so much BOFA. It didn't get fixed. I went back in a second time, got managers to get someone on the phone and we dealt with it for at least an hour and the department on the speaker phone finally came back and said they could not do anythign for me. it was a legitimate charge and they will not refund me that money. I got angry at that point and told asked the branch manager how he would feel if this happened to him. I guess he didn't like that and so he put notes in my computer system, which I saw at a later time when making a deposit. He wrote, " Rude and difficult customer ''! I kept all my accounts open for a long time, despite the fact that I hated working with them after this. This still boils my blood. Then, recently someone told me I could report it to the CFPB. BOFA rips people off regularly. I hope that you can right this wrong. I can supply documentation and bank statements, etc. related to this, I just don't have a scanner right now while trying to submit this complaint.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I believe the account is invalid. KIMBALL , TIREY & ST. JOHN LLP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 



KIMBALL , TIREY & ST. JOHN LLP or XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
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. (MA)

In accordance with the Fair Credit Reporting act ( XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (OK)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXX, CA XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXXXXXX, CA
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (WI)

PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed.

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in XXXX along with your license numbers and XXXX XXXX or XXXX of XXXX. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX  - XXXX Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/year> Open Since XX/XX/year> Ownership Individual Current Balance {$12000.00} Monthly Payment - Original Creditor XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the last 3 months i have been trying to get the bureaus to correct incorrect info on my report regarding late payment status reporting on my credit reports. After sending multiple letters, providing any needed documentation and verifying my identity, i have received no proof or documentation validating this info, and no update to the late payments which are incorrect and hurting my ability to get funding.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the last year I have been dealing with an unauthorized inquiry from XXXX XXXX. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with XXXX XXXX XXXX. 

I also contacted XXXX, XXXX, and TRANSUNION. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to 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.