davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
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: SELECT PORTFOLIO SERVICING, INC. (WI)

XX/XX/XXXX - I was notified that my loan was transferred from XXXX XXXX resolutions to Select Portfolio Servicing ( XXXX ), Inc. I contacted XXXX  mid XXXX to inquire how I go about making payments to them. They stated I can call every month and phone in a payment. 
XX/XX/XXXX I called XXXX and made a payment in the amount of {$130.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - my credit report reported that XXXX had charged off my account and it reflected that I was past due {$270.00} on my account. This was not a true reflection since I had made three payments to them. 
XX/XX/XXXX - I immediately called XXXX and filed a dispute with their advocacy dept. I informed them that they had not reported to the 3 credit agencies my payments. They stated it would take 30 days to resolve. I am a patient person, but if they made the error from the beginning, I feel XXXX can see my payment history and update accordingly. 
XX/XX/XXXX - I took the proactive approach and filed 3 disputes, each with the 3 credit agencies. XXXX XXXX # XXXX, XXXX dispute # XXXX and XXXX XXXX # XXXX. I wrote letters to each credit agencies, I faxed all my supporting documentation, I also mail certified my disputes. I felt it was best to reach them all ways possible. 
XX/XX/XXXX - XXXX sent me a letter informing me it will take 30 days to review, research and get back to me. Time is of the essence here since I am working on other financial matters that require my credit score to be in tact. 
XX/XX/XXXX - I called XXXX to see if they can expedite this for me. I spoke to XXXX XXXX who transferred me to XXXX. Their response was that I should hear back no later than XX/XX/XXXX. 
XX/XX/XXXX - I filed a compliant with the Dept. Of Financial Institutions. I feel this should have never happened. I paid, they failed to report. Now here I am, trying hard, from all angles to get this resolved in a more timely fashion. 
I have all supporting documentation to support these statements. I have letters i wrote, copies of my emails, copies of credit report, copies of my banking statements reflecting that XXXX received money and they did not report that I did so.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IA)

I have asked for validation of debt more then 30 days ago and If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor still have not received any response. I have also spoken via chat with a agent advising of a fraud account a few weeks ago and today I received a notice in the mail. This is all a violation of my rights. Therefore kindly please remove these accounts from my name.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-06-28
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. (PA)

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 to correct my credit report. It's affecting my life for being inaccurate.
Consumer complaint received 2023-11-21
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. (MO)

Experian has closed XXXX complaints today without resolving or addressing the issue with my account they give explanations that make absolutely no since and directly show the retaliation Experian is taking for me making these complaints, XXXX  months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-06-28
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. (NY)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX JOVIAFINFCU - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OK)

On XX/XX/XXXX, I sent a request for debt validation via mail to XXXX in regards to a bill that I received on XX/XX/XXXX for account # XXXX in the amount of {$320.00}. They did not respond. On XX/XX/XXXX I received a bill from Credit Collection Services for file # XXXX in the amount of {$1200.00} stating the creditor is XXXX XXXX XXXX. Upon receiving this bill I sent a certified letter on XX/XX/XXXX to the Credit Collection Services requesting the same documentation I sent to the XXXX back on XX/XX/XXXX. This time Credit collection services resent the same vague and unclear documentation received on XX/XX/XXXX, remaining to neglect my clear and direct request for debt validation. I formally requested my services with XXXX be cancelled via mail when I sent the original request for debt validation, therefore no more debt should be owed for services past the date described. XXXX could not verify such debts claimed in the bill sent and has refused to supply documentation to the consumer upon various requests.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (NJ)

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (CO)

We went to the office to terminate the contract and they were aware of us leaving. We were on a month to month lease so we were able to terminate if we gave notice. They sent us to collections for over {$15000.00} even though we finished our lease and gave notice. 

I have tried calling them multiple times and left voicemails asking for the lease agreement and confirmation of us terminating our agreement, and we have never received a callback. 

I have copies of all our payment receipts that were always on time and can provide those if needed. 

This is causing us financial distress and we will pursue them legally due to this preventing us from renting or buying a house.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (WV)

I attempted to cash a check through PayPal and I took a picture of the front and the back. They then approved the check and then I wrote void across the check as I normally do. I then submitted the check with void wrote across it and was then told they would not cash the check. I now have a check with void wrote across it. I made XXXX different calls to them and was told to wait XXXX minutes the first time, XXXX the second and my account was still locked. I then called the XXXX time to be hung up on and the XXXX call I was told there was nothing they could do.
Consumer complaint received 2023-06-23
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 (IL)

I left the military and went to cancel my credit card because they no longer waived the annual fee. American Express said that they would waive my annual fee if I spent XXXX on the card over the XXXX months. I told them that this would only delay me cancelling the card for another year and they said that in that situation I should just call back to see if they have additional promotions. Based on their word, I decided to keep the card for another year. I called back this month to cancel my card and after I cancelled they billed me for XXXX $ and are also holding XXXX $ of my money hostage while also charging me 20 % APR on the remaining balance. They are changing their terms of the agreement and are now saying that since I cancelled the card within 12 months that I didnt follow the terms of the agreement. This doesn't make any sense, I am XXXX and don't even make enough money to pay for this card, they are now charging a XXXX $ annual fee. I would've never renewed the card if they had been honest with me from the beginning. I don't understand how they can legally change the terms of the agreement, this sounds like fraud to me, and they should be held accountable. They are taking advantage of service members that are transitioning out of the service and it is unethical.
Consumer complaint received 2024-06-28
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. (VA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX CT, XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-28
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)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXXXXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXXXXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-28
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. (AZ)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX  Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation. 













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Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Subject : Request to Remove Late Payments From Credit Report | I am writing to request assistance in removing late payments reported on my credit report. I was reviewing my credit report and found some errors relating to my payment history on some of my accounts. And I know that by law Credit reporting agencies have the responsibility to report accurate information IN WHICH THEY ARE NOT. Attached file are proofs shown on my Experian! 
Date of late payment : XX/XX/2023 and XX/XX/2023 and XX/XX/2023 are reported as inaccurate through my accounts and should be removed because it is prohibiting my future requirements. 
I have already contacted the creditor and the credit reporting agency to dispute these late payments but the issue has not been resolved. I believe these late payments are either inaccurately reported or should be reconsidered due to the extenuating circumstances.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-28
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)

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Employer - XXXX MINKS XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX GRT XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

I'm writing regarding a collection entry on my credit report from your agency. This entry was unexpected, as I hadn't been notified of this collection previously. I also have significant concerns about the debt 's validity. 

Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. Please provide this validation and address this matter promptly.