davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-11-30
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. (NC)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
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: DISCOVER BANK (FL)

I see a credit card from Discover on my credit report. I've never had a credit card with Discover. I called and notified them of the issue and requested my account number. All they wanted to know was how they were supposed to resolve the debt. I don't feel as if identity theft is something I can help them resolve. I then sent the identity theft report and associated documentation via mail XX/XX/2023. I downloaded my credit report again today and I see Discover again. I don't feel that they care to help anymore.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (CO)

Despite noting that the debt was paid and that they are no longer reporting it ( complain XXXX ) XXXX XXXX continues to report this collection with an incorrect balance to XXXX and XXXX. The original creditor has been paid.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-04-17
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$770.00}, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$410.00}, XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have a personal checking account with Wells Fargo. Been a customer since XXXX. Lately, I've lost my job and thus, my income. In addition, I have encountered a myriad of medical issues, which has hampered my ability to get a job, and at my age ( XXXX ), despite filing for dozens of jobs, have not been able to secure any, other than a sales position which I am trying to get approved for. That's the background. Unfortunately, my account is in the negative, not a whole lot, just a few XXXX dollars. But lately, I've noticed that Wells Fargo has been approving charges and autopays, despite being in the negative, and then accessing overdraft fees of {$35.00} each, even on amounts as low as {$4.00}. That seems illegal. I would think that if an account is already overdrawn, that any future payment/debit/autopay, etc. would be declined. But they instead accept it... I'm still over drawn, and thus they hit me with a {$35.00} overdraft fee ... .for every single transaction! How I'm I to catch up? I think this is wrong and extremely bad business practice, if not illegal. And Wells Fargo isn't any stranger to scandals either. So I contacted them to explain my situation and they said they couldn't do anything about it. I said, why not just decline it and I'll deal with the entity itself, but they said they couldn't do anything about it. So I contacted some of these entities and some of these entities require autopay, like XXXX, and I don't have other cards to put their payments under ( another story or complaint to tell ). But in the end, I would think that if you are in the negative, Wells Fargo would decline, but no, they approve and immediately hit me with a {$35.00} overdraft fee. Something seems wrong about all this and they won't work with me. I want to add that I have in the past asked them to remove such fees, and they did ( after negotiation because they would initially only offer half the fees back ) but my point is that they accept charges when the account is already overdrawn, rather than just decline. It's like a way to get more money from people who can least afford it. In fact, I think it's criminal. I have supporting documenatation and the amount of fees accessed in this situation ( where they accept debits/charges/autopays ) when the account is already in the negative, and rather decline such transactions has resulted in my account being hit with {$240.00} overdraft fees. I want this refunded and I want justice in what I feel is a wrong on Wells Frago 's part. This is my issue.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (FL)

I called Midland Credit Management to pay my bill and the agent rejected my payment. They keep reporting it negatively> They have never sent me anything in the mail. I check my credit report and they are constantly reporting it negatively and rejecting my payment.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Ray Skillman Westside Imports Inc (TX)

I am writing to formally request the removal of an inaccurately reported charged-off account with Ray Skillman from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Ray Skillman , must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Consumer complaint received 2024-08-26
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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, 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. (IL)

On XX/XX/21, an inquiry for XXXX was applied to my TransUnion credit report. I never gave authorization to XXXX to pull my credit report. This is FRAUD!
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: EQUIFAX, INC. (TX)

XXXXXXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX  ny XXXX {$3200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2024-07-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

Neither the medical center ( XXXX XXXX XXXX ) nor the debt collector ( Receivable Management Systems-RMS ) that the medical center referred my debt to would accept payment directly. XXXX XXXX XXXX refused to take my payment over the phone and refused to take my credit card information. I replied to XXXX XXXX XXXX 's request by USPS mail and included my credit card information. They returned it without accepting and taking payment. I spoke with RMS several times beginning in XXXX and documented several conversations with a " XXXX '' and a " XXXX ''XXXX XXXX XXXXXXXX. Again, even the debt collector refused to take my payment over the phone. They said I could only make a payment online. Additionally, RMS now claims that while the original debt owed to XXXX XXXX XXXX is {$250.00} RMS now requires a payment of over {$440.00}, XXXX an additional fee of over {$190.00} ( an increase of over 156 % ). At first XXXX claimed that the original fees owed were {$350.00}, an increase of {$98.00} and then claimed in a separate call later that same day that the new amount owed is over {$440.00}. Not only do I believe these fees to be unreasonable, but they are also in fact predatory. The last communication of Total Balance owed that I received from XXXX XXXX XXXX was for {$250.00} is dated XX/XX/year>. I tried many times to speak with " XXXX '' and " XXXX XXXX '' in Billing XXXX XXXXXXXX XXXX XXXX XXXX after receiving the notice, we tried many times to settle and resolve the debt. They refused to take my credit card information over the phone. We then mailed our credit card information to XXXX XXXX XXXX. They again refused to accept payment and claimed that it's too late and because they have already sent my debt to collections, they will no longer accept any settlement of my debt. They explained that even if we came into their office with cash, they would not accept a settlement of my debt. We have made several calls into both RMS and XXXX to try to resolve this debt. Without any progress or success. As of today XX/XX/year>, my husband made a payment online with RMS ( XXXX XXXX on my behalf to pay the amount owed to XXXX for {$250.00} - Account # : XXXX Reference # : XXXX # : XXXX - Customer Service # : XXXX I believe that I have satisfied my debt and request that the debt should be considered settled without any additional monies or fees owed to RMS nor XXXX. RMS demands additional payments totaling fees of over {$190.00}. Again, this collection fee is unreasonable and predatory.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the XXXX I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-17
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. (IN)

XX/XX/2024 I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana inquiring was it their method of reporting bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2024-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.