davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have been working with Procollect to clear a debt I had and was able to pay it off but they refuse to send me the receipt of payment. I was requesting proof stating I had paid the debt. Contacted them on XX/XX/XXXX and twice before.
Consumer complaint received 2019-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

The origanal Creditor was XXXX XXXX XXXX in the amount of XXXX dollars who sold the account to LVNV Funding On XX/XX/XXXX I got a letter from LVNV that they placed the account with RESURGENT I paid the collection agency Resurgent {$490.00} dollars as a settlement offer ( meaning paid with no further obligation. I paid this company because on XX/XX/2019 I got a letter stating that LVNV Funding Had placed the account with RESurgent Capital Service. After I had fulfilled my credit Obligation and took the settlement offer and paid them LVNV Funding has place a collection account on my credit for {$220.00} dollars.

This account was never mind i just agreed to settle on this account so that it would not affect my credit.

I am requesting validation .competent evidence bearing my signature a contractual obligation to this company LVNV Funding or that this unfair account that was placed unfairly on my report be removed immediately.
Consumer complaint received 2024-05-20
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. (TN)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you require the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

On XX/XX/year>, after not checking my credit report for over 10 years, I discovered a fraudulent, inaccurate, and false account listed under XXXX XXXX  with the account number ( XXXX ). I do not recognize this account, nor did I authorize its creation or any related activity. 

I feel unsafe knowing that my personal information has been compromised and misused. This fraudulent account must be removed from my credit report immediately to prevent further damage and stress.

Please find attached account in question as well as a copy of my consumer FICO credit report, which shows the fraudulent items. Additionally, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that these accounts, collections, are indeed the result of identity theft and fraud.

I request your urgent action to resolve this matter and block the fraudulent information as stipulated by law.

Thank you for your prompt attention to this serious issue.
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (ME)

I was offered a 1.99 % rate promotion on my credit card balance until XX/XX/2020. I was a little confused by how the offer worked so I contacted AMEX toask a specific question about how this would work with my current and end of XX/XX/XXXX statement balance. I was assured that the 1.99 % rate would apply to my existing balance at the end of my XX/XX/XXXX statement. When I received my XX/XX/XXXX statement I was charged 17.24 % interest so I contacted them to ask why they said that the 1.99 % rate was only in effect for purchases after XX/XX/XXXX ( the day I signed up ). I pointed out that this was not what I was told by the agent on XX/XX/XXXX and they could see it in the prior chat conversation but said that they were sorry for the inconvenience but the prior agent had either misunderstood my question or misinformed me but there was nothing they could do about it. I asked to speak to a supervisor and she basically told me the same thing. I have a long history with this company of paying my balance in full each month so why would I have agreed to pay 17.24 % on this balance? If I needed to secure funds to pay the balance off I would have used my HELOC at a 4.5 % rate. It just does not make sense to me why they would not correct the issue.
Consumer complaint received 2024-05-20
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. (IN)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-20
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)

I pulled my credit reports from XXXX experian and XXXX and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from XXXX Experian and XXXX. ADD NAME : XXXX XXXX XXXX to XXXX, Experian, XXXX. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Experian- XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX DELETE additional INQUIRIES : XXXX  XXXX, XXXX XXXX XXXX XX/XX/23, XXXX XXXX XXXX. DELETE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.
Consumer complaint received 2024-05-20
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)

In this case I disputed inaccurate information of late payments to a credit company : XXXX XXXX in terms regarding payments being reported on both the account and report I have proof of payment from my account statements my account was put restricted due to these inaccurate statements dating XXXX XXXX and XXXX - XXXX I have tried on multiple occasions to get these errors corrected and no success I am unable to continue to allow these actions with out having any further action taken. These false late payments hurt my credit score, and my mortgage company looks into these and sees false information that hurts my reputation as a buyer or even a consumer. My account resistion came from the XXXX report of no payment but I have here proof of my payment. They also report false information of payment amounts stating {$0.00} across the board for inquired people to see as if I am not being effected enough.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
Account must be deleted from the report as soon as possible : XXXX/XXXX ACCT # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX/XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MD)

I have applied for a credit card for the amount of {$5000.00} from discover card services, I am sitting on {$6900.00} as of XXXX. I haven't missed a payment, my interest rate is 25 %. I asked them to close the account and still changing me Interest. I have stopped using the card for over a year and continue paying every month. instead of my balance going down it keeps going up.
Consumer complaint received 2024-05-20
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. (SC)

To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. LIST OUT INACCURATE ACCOUNTS HERE The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$XXXX} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit. Ive attached the inaccurate account below.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

I received notices that a collection account from Midwest Recovery Systems LLC originally known as XXXX XXXX was now showing on my credit reports for {$890.00} as of XXXX/XXXX/XXXX. It is also showing twice on my XXXX report. I have never been notified by this company about an outstanding debt, they just placed a collection on my report and started calling and leaving me messages on my phone.
Consumer complaint received 2019-06-23
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. (IL)

This is for the Consumer Financial Protection Bureau and the credit bureaus. My husband passed away and I want to get his credit reports marked as deceased. This is harder than it should be. This is important to do to prevent people from using it. It would be nice to send the info to one credit bureau and they propagate it to the others. As it stands now, I have to send info and death certificates to all of them. Ideally, it would be nice if funeral parlors could notify the credit bureaus if the family wants them too. They notifiy social security, so why not credit bureaus too.
Consumer complaint received 2023-09-04
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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)

XXXX has reported multiple inaccurate late payments after my continued efforts to work with them in the dispute process as well as staying insistent of the errors at hand they have yet to show any evidence of there claims and neither fixed the problem of late payments being reported incorrectly. I have a account affirm in which they report I missed payment in XXXX in which is not true I made the payment and have proof off my statement I also have confirmation from the company affirm verifying that I did not miss a payment and agreement was made. They have showing affirm account as a negative account on my reports even though they just completed our most recent dispute on XXXX I have not received any proof or verification of late payment I have no other choice but to go out and do the job my self this habit of theres is effecting my livelihood and chances at home approval
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has XXXX  dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.
Consumer complaint received 2019-06-23
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. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Creditor Name : XXXX XXXX : XX/XX/XXXX 2. Creditor Name : XXXX  XXXX Date : XX/XX/XXXX 3. Creditor Name : XXXX/XXXX Date : XX/XX/XXXX 4. Creditor Name : XXXX XXXX XXXX : XX/XX/XXXX 5. Creditor Name : XXXX-XXXX XXXX XXXX : XX/XX/XXXX 6. Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX 7. XXXX XXXX  XXXX   XXXX Date : XX/XX/XXXX Date : XX/XX/XXXX Please provide me with documentation verification that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.
Consumer complaint received 2024-05-20
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. (GA)

I am reaching out to Experian regarding the investigation of my XXXX XXXX account. Recently, I conducted investigations with XXXX simultaneously with Experian. Both XXXX completed their investigations and subsequently deleted the account. I understand that all three credit bureaus follow the same procedures, including the Metro2 and XXXX XXXX to delete accounts. If this is the case, why is Experian still reporting these accounts while XXXX isn't? Per the law, this is a violation. Delete these accounts. Attached is documentation proving that the XXXX XXXX accounts are no longer on XXXX 's file.
Consumer complaint received 2024-05-20
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: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$380.00}, returned and received by XXXX XX/XX/XXXX. XXXX told never got the refund credited. Called many times between XXXX and XXXX to sort out to get my credit ; finally got email confirmation from XXXX XX/XX/XXXX refunded {$340.00} with reference number ( attached file ). 

Contacted XXXX through calls, chats, open cases with their resolution center to sort out to get my refund from my partial payments ( XXXX of {$190.00} ), but being told credit wasn't there. I was being directed to contact XXXX, and when I did I was told refund being credited as the reference number has confirmed. XXXX refused to step up and investigate where the money went from XXXX 's credit and closed my dispute cases over and over with irrelevant reasons. I had sent a letter to XXXX XXXX headquarter addressed to the management team to help look into my cases XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as they wrongfully report to the Experian Credit Bureau that XXXX XXXX has been past due and delinquent since XXXX ; while I should be getting my money back from the refund. 
I have tried for months and instead of getting my {$190.00} back from the loan, XXXX wrongfully damaging XXXX points from my credit score. Seeking help from the CFPB to assist in this as this is outrageous and is a bad business to many consumers Appreciate your help and follow up. 
XXXX