davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (IN)

Personal Statement I XXXX XXXX AND XXXX XXXX ATTENDED A SEMINAR FOR A TIME SHARE IN XXXX XXXX AND AFTER ATTENDING WE DECIDED NOT TO GO WITH THE TIME SHARE AND CONTACTED THE AGENT TO LET HIM KNOW WE WERE NOT GOING TO SIGNUP WITH THE TIME SHARE AT THIS TIME. I WAS TOLD HE WOULD LET THE SUPERVISOR KNOW AND TO CANCEL BUT THEY NEVER DID. I HAVE TEXT MESSAGES AND EMAIL SHOWING I CANCELLED WITH IN ONE DAY OF ATTENDING THE SEMINAR. I also have emails that they sent a week after saying it was to late but they never answer or got back to me until after the time
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-13
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. (CA)

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 
The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX 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
Consumer complaint received 2024-06-13
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-13
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX  XXXX Balance {$22000.00} XXXX XXXX  XXXX Balance {$8800.00} XXXX  XXXX Balance {$25000.00} XXXX  XXXX XXXX XXXX Balance {$13000.00}
Consumer complaint received 2023-06-02
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. (GA)

This is a direct dispute against the newly updated information appearing on my credit report for Equifax. I am demanding a human investigation into an incorrect, inaccurate, and unauthorized account appearing on my credit report as a Collection and the only Collection I have appearing on my credit report being reported by Equifax as a Collection account with the creditor as XXXX XXXX XXXX and XXXX XXXX as the original creditor. Never did I initiate any contractual agreement with XXXX XXXX for insurance. I have contacted XXXX XXXX several times and informed them that I never had a contract with them. XXXX XXXX has failed to provide me with any such contract or records that I opened any insurance account with them! I am a XXXX XXXX XXXX XXXX and all my Insurance is with only XXXX XXXX by choice and has been for well over 30 years! My entire family is with XXXX XXXX and NOT XXXX XXXX. I never purchased insurance from XXXX XXXX. I have consistently informed XXXX XXXX XXXX that I do not owe any debt to XXXX XXXX because I never opened an account for any insurance services with XXXX XXXX! Further, XXXX XXXX XXXX failed to validate this alleged debt owed through a contractual agreement! They refuse to show me any such contract exists. As I have repeatedly informed eariler, I have insurance with only XXXX XXXX as a XXXX XXXX XXXX XXXX! This is a final demand to Equifax to investigate this matter and immediately remove this incorrect, inaccurate, and unauthorized account from my credit report. I demand Equifax provide me with a contract agreement containing my full signature for an account with XXXX XXXX for XXXX XXXX XXXX to be able to collect on a debt against me. Equifax refuses to show how this account was validated. Pursuant to violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ) I am demanding this Collection be removed from my credit report.I am well prepared to work with XXXX XXXX to seek legal assistance because this Collection caused me to be denied a loan and take legal action against all parties known as Equifax, XXXX XXXX XXXX, and XXXX XXXX! This is illegal and unjust!
Consumer complaint received 2024-06-13
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. (MA)

I would like to follow up about the unresolved issue in my dispute previously also I would like to express my sustained dissatisfaction and frustration. Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. Therfore, I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed XXXX {$500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXXXXXX. XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXXXXXX Balance Owed : {$650.00}.
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (MS)

I have diligently tried to work with Republic Finance. At first, I was furloughed and despite my requests, they continued to take automatic payments from my account after I notified them, with charges hitting my account 4 times. XXXX, branch manager stated that she filed suit against me although I communicated with one of her friendly representatives that my unemployment ended and I was returning to work. Unfortunately, a {$50.00} payment was returned that day because the funds had not reached my account. I am XXXX on a special mission, which I have communicated with XXXX. I filed a corporate complaint and XXXX responded. I have called XXXX back three times with no response. Further, this lender has an interest rate near 300 % and I also asked that a {$1600.00} premium be removed from the account as insurance on household goods. That has not occurred. My bank sent {$250.00} to REPUBLIC FINANCE but the funds were refused. The branch manager is obnoxious and unrelenting in spite of my attempts to work with her. Further, she is ruining my career and my security clearance by filing a bogus lawsuit as if payment arrangements had not already been made with her representatives. This company is predatory and as a consumer I should have been aware of their practices and should have never done business with them. Unfortunately, consumer beware. If they do this to me, there are many other victims. I can not continue to go back and forth with them and if I lose my job no one profits. I can not disclose my location at this time and have no access to mail or other communications, which had also been explained multiple times. This is the only creditor I have had problems with resulting from the furlough and subsequent layoff. Their profits from me are already huge, that exorbitant interest rate should not even be legal long term. My spouse is military and also stated that I should not have been involved with this company. Please provide relief.
Consumer complaint received 2024-06-13
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. (CA)

I am writing to file a formal complaint against Account Name : XXXX Account Number : XXXX for violating the Fair Credit Reporting Act ( FCRA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Account Name : XXXX Account Number : XXXX Nature of Complaint : Multiple inaccuracies, detailed method of investigation. Who did you verify this account with? Who did you speak with? what time and date did you verify this account? this account has multiple inaccuracies delete immediately. 

Inaccurate Reporting : Account Name : XXXX Account Number : XXXX has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : Account Name : XXXX Account Number : XXXX did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with Account Name : XXXX Account Number : XXXX and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : Account Name : XXXX Account Number : XXXX added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of Account Name : XXXX Account XXXX : XXXX have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.

Requested Resolution : Immediate Deletion of Account : I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports. 

Monetary Relief : I seek monetary compensation for the damages caused by the negative impact on my XXXX XXXX, emotional distress, and any financial losses incurred due to the actions of Account Name : XXXX Account XXXX : XXXX. 

Verification and Compliance : I request that Account Name : XXXX Account Number : XXXX provide verification of their compliance with the FCRA and any evidence XXXX their claim. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that Account Name : XXXX Account Number : XXXX adheres to the Fair Credit Reporting Act. 

I need this account re-investigated immediately and a new report with the deletions of this account
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
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 Balance {$340000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$550.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (NY)

HAD A MOBILE WITH XXXX  ON AUTO PAY. XXXX SAID ACCOIUNT WAS CLOSED AND GAVE ME A CREDIT FOR {$59.00} XXXX XXXX SAID I STILL IT AND HIRED XXXX TO COLLECT
Consumer complaint received 2024-06-13
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. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019 I made a XXXX transaction through my Wells Fargo account in the amount of {$450.00} to XXXX XXXX ( XXXX ) XXXX as a deposit on an item for sale posted on an account I follow on XXXX. 
On XX/XX/2019 I made a second transaction in the amount of {$700.00} to the same individual that was to be my final payment. 
Later, the seller claimed she did not receive the {$700.00}, so I made a claim through Wells Fargo that the funds were not received. Shortly afterwards, I was made aware that the seller was stealing photos of items from a legitimate business and posting them for sale, when in fact, she did not have those items to sell. After some research, I discovered the seller has done this to multiple people ; posting items for sale, receiving payment for those items through XXXX and disappearing. 
Once I learned I was being scammed I contacted Wells Fargo to cancel the claim in progress and instead file a money movement claim that I did not receive the goods/services I had paid for. 
Wells Fargo opened two claims, one for each transaction and reached the conclusion that because I made the transactions and since they were already completed, they would not offer any recourse or refund. They recommended I contact XXXX and continue the matter with them, which I did and had a manager explain to me that a XXXX payment should be treated like a cash transaction and that once completed, could not be reversed and they refused to offer a refund. 
Only after I asked if they were interested in knowing someone was using their platform for scams did they ask me for information on who the seller was.
Consumer complaint received 2024-06-13
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. (CA)

I am writing to file a formal complaint against ( XXXX XXXX Account # XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and to seek relief for the distress and financial harm caused by their actions. 

Complaint Details : ( XXXX XXXX Account # XXXX ) Date of Incident : XX/XX/2024 Nature of Complaint : Multiple errors and inaccuracies, Method of investigation, How did you verify this account as accurate? 

Inaccurate Reporting : ( XXXX XXXX Account # XXXX ) has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score. 

Lack of Notification : ( XXXX XXXX Account # XXXX ) did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity. 

No Contract or Business Relationship : I have never engaged in any business with ( XXXX XXXX Account # XXXX ) and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : ( XXXX XXXX Account # XXXX ) added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information. 

Impact : The actions of ( XXXX XXXX Account # XXXX ) have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability. 

Requested Resolution : Method of Verification : I request that ( XXXX XXXX Account # XXXX ) provide the method of verification used to substantiate the alleged debt and their reporting of this account. This includes all documentation and evidence they have regarding this debt. 

Re-investigation : I request a thorough re-investigation of this account and its reporting. This includes verifying the accuracy and completeness of the information being reported. 

Immediate Deletion of Account : If ( XXXX XXXX Account # XXXX ) can not provide adequate verification and substantiate the accuracy of the reported information, I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that ( XXXX XXXX Account # XXXX ) adheres to the Fair Credit Reporting Act.
Consumer complaint received 2024-06-13
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. (WA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX