davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CICA Collection Agency, Inc. (MD)

A call about a debt notice was received by an elderly family member, who was harassed in order to get my mail address and phone number. I called the debt collection agency to understand what was the debt about, given that I have n't live in XXXX XXXX since XXXX and sporadically since XXXX. It was debt that I did not recognize. As a federal employee, I have multiple background checks and have all payments up-to date, and that debt have n't appear in my background check. I stated that I wanted evidence of that debt. They ( XXXX collection ) sent me a letter with no evidence which I replied with a certified letter that I do n't recognize the debt and to stopped the contact. Every call I got ( with threat and harassment of court ) is from a different person even the letter signature and the person that sign the certified letter are not the same. However, this agency harassed with calls my elderly family member even more and they sent a new letter, from legal area, which was very strange since it has contradicting language and no evidence. I contacted my XXXX and they put an alert in my credit as they did not find this normal conduct. As a resolution, I do not recognize this debt, stop harassment and any collection toward myself and my family. I understand this is a case of identity theft ( as XXXX XXXX suggested ).
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the reporting of a late payment on my credit report for this account : XXXX XXXX XXXX. 

I have contacted the bank regarding this late payment, and they have approved updating the account to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.
Consumer complaint received 2024-05-01
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 refuse to accept your dismissal of my identity theft claim as an error or misrepresentation of material fact. Who granted you the authority to decide what qualifies as a material fact? You hold no position as a judge, jury, or any authority to make such determinations. Your actions are unwarranted and without merit. 

The Federal Trade Commission ( FTC ) clearly outlines that upon receiving an FTC identity theft report filed with a law enforcement agency, you are obligated to adhere to the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-05-01
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. (GA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

A complaint was filed to CFPB on XX/XX/year> concerning this issue. This company took 60 days to reply and it was not resolved. 

Their initial ( false ) accusation was that I did not give a move out notice to the rental property. After providing emails which showed I had not only given the move out notice, but that two people from management had received it, they decided to change their initial ( false ) accusation of not providing a move out notice for the price of nearly {$3000.00} to a secondary ( false ) accusation that I moved out before my lease was completed for the price of {$1500.00} This information is also incorrect. I moved out on the date shown in my rental contract. 

This company has admitted to fraudulently imposing false accusations affecting my credit score and it took them 2 months to come up with a second fraudulent charge. I did not consent for this company to have my identifying information which includes name, date of birth, social security number, phone number, email address and physical address, therefore this is identity theft and fraud. I wish to have this company delete my information from their possesion ASAP as well as remove the fraudulent charges on my credit report.
Consumer complaint received 2024-04-30
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. (FL)

The following inquiries were done without my knowledge or consent, they are as follows : ( THE FOLLOWING INQUIRIES ARE FOR XXXX ) XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( THE FOLLOWING ARE INQUIRIES ON XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( THE FOLLOWING INQUIRIES ARE ON EXPERIAN ) XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-30
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)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have sent this company a cease and desist letter. This company has refused to adhere to the federal guidelines by ignoring my request and my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not bonded, licensed or insured to collect in the state of ( list your state here ). Please have this company cease all collection activities. This is my last attempt to complain outside of court. My next proper and lawful steps are to intend to sue.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Funding using the XXXX XXXX lawfirm entered a judgement in court against me for a credit card debt. This debt is listed on my credit report. I have been paying on this debt by taking my payments to the XXXX XXXX XXXX in XXXX NC where the judgement was filed. Periodically my credit report keeps showing an increase in the amount I guess due to interest accrual. But Midland Funding refuses to update the payments made even though XXXX XXXX has reported the payments to them. For instance I made a payment of {$200.00} which was reported to Midland Funding on XX/XX/XXXX and another payment of {$200.00} which was reported to Midland Funding on XX/XX/XXXX. Since XX/XX/XXXX they have reported on my credit report an increase to the balance on this debt at least XXXX XXXX XXXX times and have yet to decrease the balance to reflect any of the {$400.00} in payments. 
This has happened regularly over the past year since I started making payments via the XXXX XXXX XXXX office. I have entered numerous complaints through XXXX and XXXX ; usually that leads to them correcting the debt amount. They appear to be intent on adding as many negative hits against my credit report even though I am paying on this debt regularly. The XXXX number is XXXX XXXX. XXXX.
Consumer complaint received 2024-04-30
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. (NY)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Employer - XXXX  XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-04-30
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. (MN)

According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Other — 
Company: BANCO POPULAR DE PUERTO RICO (MI)

Have a credit card from XXXX opened in XX/XX/XXXX. XX/XX/2017 Had issues from the start : Transactions denied, online website errors etc.. 
I initiated numerous calls whereas representatives could not provide reasons, there was tremendous inconsistencies. 
After having a dispute with a fraud investigator my account was immediately restricted. 
Denied more transactions and more calls. Fraud investigator XXXX tried to convince me that a few cards have problems with addresses and requested proof of address along with my passport. 
XXXX is not aware that my daughter is an it tech specialist and one of the best. She had a scholarship to XXXX years ago and is very familiar with security systems. My daughter informed me the reason XXXX claimed can not be accurate. 
PLEASE LISTEN TO THE CONVERSATION ON XX/XX/XXXX with XXXX I was denied use of my XXXX card twice in last few days. I have answered over a dozen security questions, some going back over 10 years correctly, I have provided my Drivers License, passport, 2 utility bills and business credit card statement from XXXX. All my information is confirmed by every credit bureau and through a XXXX search, However and somewhat incredibly XXXX bank continues to claim I am not who I say i am. 
Convinced that untrue statements were deliberately provided to me and more convinced whatever ridiculous issue is theorized, it is based either on discrimination or employee retaliation. Both of which violates the contract I have with XXXX, which was is a contract of adhesion. 
I go to anywhere on this planet and enter any country with the information I have willingly provided. 
Therefore, if XXXX continues to hold their claim that I am not XXXX, they can not report this account to the credit bureaus as belonging to XXXX and there is no obligation to pay for any balances.
Consumer complaint received 2016-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Primary Financial Services L.L.C. (PR)

I started repaying my loan with the third party and at a point I talked to them because could n't keep making the full monthly payments of XXXX, to which they offered me to make payments of XXXX for a few months and accepted the offer. they sent me the receipts of debit for the amount of XXXX twice and then contacted me and told me that it was wrong and they could n't do that that if I did n't make the full payment at that time I would loose everything and would have to start over. I explained they made an agreement and that they would have to keep it because I already payed {$4200.00} to a settlement offer of {$7600.00}. Under UDAP, they deceived with information given and then I heard nothing from them and was contacted by another 3rd party to start repaying the whole amount and that I lost all the money I had already paid.
Consumer complaint received 2023-08-03
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Subject : Response to Complaint Regarding Account Number XXXX Dear FNBO Thank you for reaching out to us regarding your account, with the last four digits [ XXXX ]. 

I acknowledge that I received our letter dated XX/XX/2023, in response to my complaint. Im dissatisfied with your decision to deny my claim based on the mentioned in the letter. 

I have requested signed agreements or signed sales drafts as evidence for the charges in question. I did not make said charges and will not pay for something I did not do. I will seek legal action if these charges are not revered and credited back to my account or all documentation to determine whether I made/benefited from them. 

If this is not updated and removed from my credit I will be forced to seek legal counsel as this is harming my credit. I look forward to either charges being reversed or copies of all sales drafts that arent credited back. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-30
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)

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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)

I am writing to formally dispute and report instances of identity theft that have affected my credit report. Upon reviewing my credit report, I discovered fraudulent accounts that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into these unauthorized activities. 

Details of Identity Theft : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX. 

I have taken the necessary steps to report these instances of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into these fraudulent accounts and inquiries and take immediate action to remove them from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities.
Consumer complaint received 2024-05-01
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. (AZ)

Hello on XX/XX/24 I submitted a request to XXXX to provide information about some late payments that were listed on my accounts til this day they have yet to respond to my request to fix this. They have not even processed my dispute and currently is ignoring me.
Consumer complaint received 2023-12-20
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. (LA)

I, XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX  Data Breach ; as a XXXX resident, all of my personal information was impacted and exposed, including my name, social, dob, and more. This Data Breach made global news. The inquiries below are not mine ; they result from identity theft. As this is not mine, nor do I account with these companies. My credit report needs to reflect more accurate information and remove inaccurate inquiries. 

Identity theft Inquires below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.