davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (FL)

A COMPANY COLLETOR IS TRYING TO COLLECT A DEBT THAT I DONT RECONIZED OR OWMED i dont know any from this company i never recive a call or letter or any explanation of this debt i never sign a contract or buy any product with this company Balance {$13000.00} Balance updated XX/XX/2023 Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account.
Consumer complaint received 2018-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

Passed statue of limitation New Jersey Passed Credit Card Dept. 
Was Charged Off in 2010 Total Amount {$7100.00} Due to Devoice Proceedings
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

In mid XXXX or there about ; I received notice of a Collection on my credit report. The report stated it was from a debt owed to a Coleman 's Furniture company in the amount of {$110.00}. It also stated the debt was obtained in XXXX of XXXX! First I do remember beginning a purchase online but the purchase was cancelled immediately after I initiated it ( after reading reviews on the Company/Products ). I never received anything from XXXX XXXX ( which I believe was a kitchen dining set-not sure as I had just returned to my home after being away for nearly 8 years and I was remodeling and redoing everything ). At any rate I did not think anything of it ; until over a couple of years later I find this derogatory collection on my Credit Report ( XXXX ) : XXXX and XXXX. After several attempts to get clarity from XXXX XXXX I was instructed to reach out to Jefferson Capital ( the Collection Agency on behalf of XXXX XXXX ). I called numerous times asking for information regarding this {$110.00} debt I owe. I have only received non-sensical statements, with no content but available " payment offers ''. Nothing that shows I purchased anything or how this " debt '' was obtained. I want Jefferson Capital to remove this fraudulent debt from my Credit immediatedly. It is not a debt I am responsible for.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

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. These are the following accounts need to be removed :
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 6th 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 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2023-04-22
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-25
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: LEXISNEXIS (WA)

I disputed a unverified bankruptcy that LexisNexis is has reporting on my XXXX, XXXX consumer credit reports.Lexis Nexis claimed they verified the Bankruptcy belongs to me. Lexis Nexis did not supply any additional supporting evidence that this account belongs to me. 

I would like to add at this time I would like to add Lexis Nexis is in violation of the .the following : 15 USC1681 ( a ) ( 4 ) The Right to Privacy 15 USC 1681 ( b ) ( 2 ) Permissible Purpose Lexis Nexis furnished my consumer report without written consequent from me.The law is clear in USC 1681b. A consumer report can not be furnished unless the consumer gives Written Permission. If I gave written permission to Lexis Nexis to furnish a credit report to the consumer reporting agencies I ask that Lexis Nexis produce the written consent form bearing my signature.
Consumer complaint received 2023-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc. (PA)

Account Number : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again, I am informing you to cease all contact with me or anyone else about this claimed debt
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2023-11-03
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I wrote multiple letters to EXPERIAN and XXXX and the last letters was sent out XX/XX/year>. I never received a response from them before the last letter and now XXXX send me a letter stating that the letters of dispute was not from me. How did they verify that those letters are not from me, I also included my ID and some information. I created those disputes since there are inaccuracies on my report. This XXXX XXXX account number : XXXX is reporting 100 % incorrect on XXXX and Experian. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently maintained on-time payments for this account, ensuring they never fall behind schedule. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made for any errors.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (AR)

I am sending my CFPB complaint to inform you that the Credit Bureaus should resolve this issue. The current status should not be showing late because I paid it on time.The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Kindly provide me a documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Ensuring payments are always on time for this account has been a priority, avoiding any instances of overdue payments. I'm unclear about the reasons behind the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, necessary corrections should be made.
Consumer complaint received 2023-11-22
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. (NC)

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 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 2023-11-22
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. (GA)

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 2023-05-02
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)

This is my Follow-up 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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

XXXX XXXX buyer was searching supplier from net component XXXX XXXX XXXX XXXX XXXX, and buyer found supplier XXXX XXXX XXXXsend e-mail via net component. 

XXXX XXXX buyer called supplier XXXXXXXX XXXX XXXX placed order to XXXX XXXX XXXXXXXX total amount is XXXX. Buyer contacted supplier by XXXX she acquired from net componentand buyer asked for pictures before payment. 

XXXX XXXX buyer keep pushing supplier to send pictures via e-mail and XXXXsupplier replied by e-mail he needed some time to acquire pictures from their XXXX vendor. 

XXXX Supplier provided pictures in e-mailXXXX buyer XXXX XXXX checked the label information and negotiated the payment termthen planning to arrange payment of 20 % deposit in advance. 

XXXX Finance team reviewed and arranged payment for 20 % deposit=USDXXXX, XXXX buyer send XXXX copy to supplier via e-mail. 


XXXX Supplier provided tracking number by e-mail. XXXX XXXX XXXX Tracking : XXXX XXXX XXXX buyer started tracking the shipment since no delivery update. XXXX went to net component again to find suppliersupplier information in net component now has changed to the correct one the real supplier claimed they did not receive the order, the payment and did not arrange the shipment. And supplier then informed XXXX that their company information on net component was changed by Hacker and we got fraud. 


XXXX XXXX buyer informed XXXX XXXX teamXXXX XXXXXXXX team initiated an application for revoking the payment on the bank 's online banking side, and contacted the bank in time to request the withdrawal of the payment. As of today, XXXX has not received feedback from the other party 's bank or intermediary bank, and the payment has not been withdrawn. we recall many times CHASE BANK request to return our money form XXXX XXXX, at the same time, we called the XXXX POLICE, but CHASE BANK nothing to do, the money still not return to us.
Consumer complaint received 2023-09-21
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2024-03-27
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 was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. This account are reporting inaccurate information XXXX XXXX XXXX, {$340.00} no XXXX or XXXX  days reporting but it show XXXX XXXX day late payment it skip XXXX and XXXX  days. XXXX XXXX XXXX XXXX, this account show {$2000.00} no balance but XXXX XXXX XXXX XXXX XXXX XXXX this is inaccurate information. XXXX XXXX XXXX XXXX XXXX show XXXX XXXX  days late payment XXXX XXXX late payment and XXXX XXXX day late payment. How is thats this all inaccurate information.
Consumer complaint received 2023-11-22
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. (TN)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effectively immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Equifax has done nothing please help me delete these illegal accounts from my credit reports. XXXX, XXXX, XXXX, XXXX XXXX XXXX, 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 2023-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

I had blood work done by XXXX XXXX XXXX XXXX XXXX XXXX I received the bill for {$23.00} and paid with an electronic check from my bank. The check was deposited by XXXX XXXX and I have the cancelled check. I communicated with XXXX XXXX on several occasions via email. XXXX XXXX confirmed that this amount was paid and the matter was resolved. I have those emails as well. Some time later I receive a notice from Credit Collection Services that XXXX XXXX has taken me to collection for the {$23.00} that had already been paid. I contacted Credit Collection Services on two occasions via their website and I explained and uploaded all of the supporting documents that verified this amount had already been paid. I just received another notice from the collection agency.
Consumer complaint received 2023-08-28
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.