davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/year> Last XXXX of XXXX XXXX Bureau Name : Experian XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 168 te ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-Experian ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX, Account # : XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed $ {$2300.00} as of XX/XX/XXXX XXXX took phone for trade in and never credited my account. They never contacted me regarding this outstanding balance. I went to open a new account and was denied. 
Credence Collection Agency currently is the collection agency that never should have had any collection at all. This company is reporting on my credit report that I owe {$2300.00} for a phone that was returned to XXXX XXXX XXXX in XXXX
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CA)

I applied for CA XXXX XXXX XXXXXXXX. Upon applying I signed up for direct deposit to my XXXX XXXX account. Money Network is who the state has contracted to handle those direct deposits. The money was not deposited into my account but to XXXX, specifically someones XXXX ( XXXX XXXX ) account. The amount was {$1800.00} Myself and my XXXX worker tried to recover the funds, they refused. They said the only thing they could do was an internal investigation that would take 45-90 days. They refused to give confirmation that they filed for it to be investigated. They ave me the routing number and account that it went to, which I contacted XXXX, that is how I found out it went to a XXXX account. XXXX stated that was all they could do however. I had to move out of my apartment due to inability to pay because of no income.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A recent global cybersecurity incident involving XXXX, a file transfer tool owned by XXXX XXXX. The software is used by government agencies, major financial firms, and thousands of other companies around the world. This incident resulted in exposure of my personal information.The information includes my name, address, date of birth, and social security number.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-06
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 had received some notifications that both mine and my husband 's social security numbers were found on the dark web. Of course, we immediately ran our credit reports and found the same erroneous information that we had accounts in collection dating back to XX/XX/year> for the amount of {$1100.00}. The item was allegedly reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I never heard of that company before and they never sent me any bills or made any attempt to collect anything. 
My husband 's credit report contained the same erroneous entry of an account in collection from the same company in the same amount. I am not positive if it was from the same date. Trying to verify but the Transunion site wasn't working. 
The complaint I am making is Transunion. They immediately closed the complaint saying the information was accurate without and evidence whatsoever. I also need to mention that only Transunion lists that account- it's not present on XXXX XXXX XXXX. I would have hoped that since our SSNs were compromised and our credit is outstanding other than this one item, they wouldn't just immediately close with no investigation or explanation.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-18
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MO)

XXXX credit card issued by XXXX XXXX. I closed card due to fraud charges, account was set up on autopay. XXXX refunded me personally by check after investigation in the amount of XXXX approx. Account closed with XXXX balance. Was on credit report as closed and XXXX and in good standing. About 3 months ago started getting bills for this account with a balance. Called numerous times, XXXX  claimed they refunded me before merchants credited and caused overage. Advised that was an issue with them and the merchant. They are now billing the account and reopened the account with out permission. Managers refuse to call back. The account should be closed with XXXX balance per fraud. It isn't the consumers issue when they fail to do a proper investigation or account review and make a refund error.
Consumer complaint received 2024-04-20
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. (UT)

I am writing to file a formal complaint regarding concerning practices observed with my account at XXXX XXXX XXXX XXXX ( Account Number : XXXX ). This complaint pertains to repeated misreporting and manipulation of my account status, potentially infringing upon my rights and the integrity of the statute of limitations. 

The issue at hand stems from the fact that despite the account being charged off since XX/XX/2020, it continues to be inaccurately updated as charged off on a monthly basis. This persistent misrepresentation of the account 's payment history is deeply concerning, as it creates a false impression of ongoing payment activity associated with a charged-off account. Such misreporting not only violates regulatory standards but also manipulates the statute of limitations, potentially extending the duration of legal obligations unfairly. 

I am troubled by the apparent oversight in conducting a thorough investigation into this matter, as the continued misrepresentation of the account 's status reflects a failure to ensure accurate reporting practices. This oversight has significant implications for my financial rights and obligations, and I urge your immediate attention to rectify this situation. 

In light of these concerns, I hereby request that the erroneous reporting of the subsequent account be promptly deleted. It is imperative that corrective action is taken to ensure the accuracy and integrity of my credit report and to prevent further misrepresentation of my financial history. 

I appreciate your prompt attention to this matter and request a thorough investigation into the practices observed with my account at XXXX XXXX XXXX XXXX. Please provide confirmation of receipt of this complaint and details regarding the steps being taken to address these issues. 

Thank you for your cooperation and swift resolution of this matter.
Consumer complaint received 2024-04-20
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. (OK)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (OK)

XX/XX/2024 XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened fraudulently. 
XX/XX/2024 XXXX XXXX XXXX XXXX application. 

I froze and locked my credit reports through XXXX, Equifax, and XXXX. Yet I am still getting fraudulent credit card applications. 

Equifax had a data breach is to blame for this yet they are not assisting people who are victims to this.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland credit reached out to me, via certified mail with a lawsuit on XX/XX/XXXX. On this day, o responded denying the debt and requesting full debt validation. Again on XX/XX/XXXX, less than two weeks later - they taped a second summons to my front door. This is still within the timeframe of me to respond per their first summons so I am unsure on why they would plaster a lawsuit on to my front door. This is a violation of the Fair Debt Collection Practices Act ( revealing to other persons [ neighbors ] the existence of debts ). This debt has NOT been validated. I dispute this debt in full.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-20
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. (IN)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts or authorize these accounts. In accordance with the Fair Credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. One more thing according to the 15 USC 1681s-2, A persons shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are listed below. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-04-20
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. (IL)

I review my credit report and see the information you are reporting are inaccurate. I want to provide accuracy correct information on my credit report. If not please remove it from credit report. I have proof of inaccurate information. XXXX XXXX account is showing two different account on two different credit bureaus. XXXX XXXXXXXX is not reporting on XXXX but it show one 30day late payment, one 60day late payment, three 90days late payment please remove this account. Also XXXX XXXX XXXX is showing inaccurate on payment history and the amount balance. XXXX XXXX is not reporting on any other bureau but XXXX but show no late payment but 90day how do you skip 30 and 60 days.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my credit report and notice I had inquiries which I never authorized nor signed any type of consent for anybody to make any action towards my credit reporting incorrectly. So I called the credit reporting agency to help me handle this identity theft that occurred. So all my inquiries were done may through XXXX of XXXX. On which I have 8 inquiries that I didnt realize I had.
Consumer complaint received 2024-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (CA)

There are multiple dates and times I have spoken to SallieMae aka Navient and asked for options to be able to discharge these loans, including if these could be included in my bankruptcy. I have explained to them that I am having difficulty paying these loans. 
I have been told there are no other options available to me besides the interest only payments, when they set me up on those my account is always messed up and i am always given the wrong information. I am charged late penalties and then they send letters to my cosigner who thinks I am not paying. 

I have asked could these loans be included in my bankruptcy and they said no, when in fact I found out that this was not true, that my private loans could have been included. 

I attended XXXX XXXX from XXXX to XXXX. The degree I went to XXXX for was XXXX XXXX XXXX, the XXXX XXXX fell under this program. I was told that the degree I obtained would help me find better paying jobs by the time I graduated. This was not the case as employers felt I did not have enough education in the XXXX XXXX XXXX, nor did I have enough education in the XXXX XXXX XXXX field.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

You are reporting collections as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed
Consumer complaint received 2024-04-21
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. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-21
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. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-21
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. (PA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.