davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (SC)

I started receiving offers from attornies offering to assist me with a lawsuit against XXXX XXXX XXXX, XXXX on behalf of Midland Credit Management but had no knowledge I was being sued until I did a background check on myself and was later served almost a month later. XX/XX/XXXX I wrote the company requesting a Bill of Sale, debt validation and the purchase agreement but received no response. I wrote them again & attached a letter to the County Court requesting said information again. They sent information over stating I owed a debt & attached a Dunning Letter that I've never seen before. The account information stated I opened an account XX/XX/XXXX connected to address that's not mine with charges that are not mine either. I've been living in my current residence since XX/XX/XXXX and had no knowledge of any of these allegations. This account has been affecting my credit and finances negatively and needs to be removed IMMEDIATELY. I've tried disputing this account several times with no success and I do not appreciate lawsuit threats or intimidation.
Consumer complaint received 2024-04-09
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. (NC)

This is a complaint that started with a former complaint. # XXXX. Experian stated they updated my information after I provided proof and the company admitted that I was not late. I tried to dispute again, because the report still has me late and Experian stated that under the fair reporting act, I was not allowed to dispute the same item twice. I told them that they never updated the information the first time and I was transferred to different areas, and no one helped. Now I am missing out on gainful employment and other things I would normally enjoy if they removed the information. According to the summary on their website - the negative information will remain until XX/XX/2025 which will have placed it 7 years on my credit report, and it should have never been on the report in the first place as it is not true.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA XXXX, we have to get rid of the wrong stuff on my credit report. Can you check the papers to see if there are any mistakes? Some of the accounts listed are giving the wrong information about amounts and dates.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I was pre-approved through Experian and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off my credit report!
Consumer complaint received 2022-10-07
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I had a credit card with XXXX. I was paying on time, then around month 3 or 4 I started receiving late notifications. I contacted XXXX regarding the issue. I was told something about my cycle changed and if I paid before the XXXX the payments were not going towards the current statement balance. I was initially paying between the XXXX and XXXX depending on how I got paid. The account recently closed with a balance of almost {$500.00}. The balance before all the interest and late fees was a little over {$200.00}. I even had the rep to look at all the previous payments, which showed on time payments and the dates payments were made. I pay all of my credit cards around the same time every month and never had an issue with late payments. I was never notified of any changes. I've tried several times to pay what I really owed before all the late fees and interest fees accrued but was denied.
Consumer complaint received 2024-07-30
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. (NC)

In accordance with the Fair Credit reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights Account Number XXXX, has violated my rights I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation 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 ( i ) Promptly delete that the item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the re-investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified from the file of the consumer.

( iii ) According to 15 USC 1681s-2 they are suppose to 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 2024-04-09
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-26
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)

These accounts do not belong to me 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 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 2023-05-03
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. (PA)

I was pre-approved through XXXX and applied thinking this was XXXX. When I found out it wasn't I called before I even received the card and asked that it be closed. Instead they increased the limit and asked me to 'try it out. ' when it came I again called asking the card be closed and was told as long as I never used the card it would close on its own after two weeks. After two weeks I called and was told, and even received a confirmation email that the account was closed. Yet the company is claiming I made purchases on this card they they ensured me was closed and have been billing me ever since. Now my credit is damaged for missed payments to this bank that I am not responsible for. They fraudulently claim your account will close if no purchases are made but then charge an annual fee which they claim is a purchase. I have fought this with the credit bureaus and XXXX is the only one to take it off my credit report!
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

Reached out to Experian whose is reporting false and inaccurate information from collection agencies. Collection agencies are reporting open accounts with a past due amount. This information is inaccurate being I dont have any active open accounts with collection agencies. XXXX removed inaccurate information.
Consumer complaint received 2024-04-09
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)

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.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

On XX/XX/2018 I received a text message telling me that a purchase was made in the amount of {$220.00} at XXXX XXXX. I called Netspend immediately to report the transaction and to have my card cancelled. On XX/XX/2018 I received a letter from Netspend stating that they did not find that any error had occurred. At that point I called XXXX XXXX to find out who purchased the ticket and where they flew from and to. I found that the ticket was purchased in XXXX, XXXX by a male named XXXX XXXX and that he flew to XXXX. I live in XXXX, XXXX which is near XXXX and have never been to Texas and did not authorize this purchase and have never heard the name XXXX XXXX. I relayed this information to Netspend and was told that they would investigate it further. This was about a month ago. I have called and requested for their Fraud Dept. to call me back and have not received a call back. It seems that they do not have a direct line for you to call for their fraud dept. I made another request today and as of yet have heard nothing.
Consumer complaint received 2024-04-09
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. (SC)

I 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, who's studying XXXX XXXX, helped me out by 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 if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-03
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. CXXXX, XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-05-03
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. CXXXX, XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-05-03
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. (LA)

XXXX and TransUnion shows national credit systems opened XXXX. XXXX without my consent which is in violation of 15 usc 1681 improper use of my personal information without my written consent I have asked for the account to be verified and a proper investigation was never fulifuled.

I have never signed a contract with this company nor supplied this company with none of my personal information nor given permission to use any of my personal information not only are they in violation of my privacy 15 usc 1681 they are in violation of 15 usc 1681 for not providing complete and accurate information to all three of the credit reporting agencies XXXX shows a XXXX month term with months of late payments and a past due amount on a charged off account meanwhile TransUnion is reporting the account open with no payment history and no past due amount both reporting agencies updated reports was in apr XXXX which show incomplete and inaccurate information
Consumer complaint received 2023-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (NY)

Viking Client Services , LLC contacted me stating that a XXXX XXXX  was miscalculated and that I owe XXXX {$57.00} and it has been escalated to Viking to collect it. I have never rented from XXXX. I asked them to send all the documentation to my work email, which has a strong phishing and spam filter. After I hung up, I called XXXX and they could not find my name nor my license in their systems. I received the document from Viking shortly after. It stated that I rented a XXXX  XXXX  in XXXX XXXX, CA on XX/XX/17. I was in New York. It shows my name and an unknown credit card from XXXX XXXX. I called XXXX XXXX to verify the charges and they could not find a matching card and charge and stated that this was spam or a scam. I called XXXX back with the information on the document and they said it was filed falsely. The case number from XXXX is XXXX. I will only attach a screenshot of the document as the file may be infected.
Consumer complaint received 2024-04-09
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I was granted debt relief from the Biden_Harris administration effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to contest and ask for the rectification of erroneous information present on my credit report. Upon thorough examination of my credit report, I have noticed an account that inaccurately reflects late payments. Upon reaching out to the associated company, they have confirmed the presence of errors in reporting these late payments and have assured me of their agreement to rectify the situation by updating my account and removing the late payments. 

XXXX XXXX  XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (NY)

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 2024-07-23
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. (NY)

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account number : XXXX. The dates of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Consumer complaint received 2023-12-26
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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