davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (KS)

The salesperson for XXXX XXXX XXXX said their company would buy out my existing security system contract. They did not. I was approached at my home by two salesmen from XXXX XXXX XXXX on Saturday, XX/XX/XXXX. I told them I had a security system ( XXXX ) and my contract was in effect until XXXX, XXXX. The main salesman assured me that XXXX would take care of the switch/buy-out my contract, etc., with XXXX and that I need do nothing. I agreed to switch companies, signed a digital copy ( no paper contract was received ), they installed the equipment, and a few days later, the monthly fee was deducted from my bank account. It wasn't until a couple of weeks later, when the XXXX monthly fee was deducted did I realize there was a problem. I contacted XXXX and they knew nothing of the switch. XXXX also claimed I had made a verbal agreement with them in XX/XX/XXXX to extend my contract. ( I had no recollection of this, but that is another story. ) A XXXX technician came to my home to uninstall the XXXX XXXX equipment, which I still possess, and install new XXXX equipment. After multiple conversations with both companies over several weeks, I forwarded the buy-out statement and new contract with XXXX to XXXX XXXX. XXXX XXXX contended I still owed them money and on XX/XX/XXXX, I received a letter, dated XX/XX/XXXX, from a collection agency representing Fluent Home, stating that I owe them {$2600.00}. I called the called the agency and was given the offer to settle for {$1700.00}. I was also told that since XXXX salespeople work on commission, they can tell the customer anything to get them to sign up, and the company has no obligation to stand by the salesperson 's word because it is not in the contract. I did not receive a paper copy until I requested one from the company weeks later. I offered to pay 40 % of the amount they are requesting, mainly because I was too trusting and completely foolish, however, they provided me with only three weeks service, which I paid for. I consider what they are doing to be extortion and they need to be stopped.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CA)

A complaint and order to remove account from the personal credit report was requested due to the account being shown as CHARGE OFF, which according to the Internal Revenue Service is considered income, which should be reported on the individual 's tax income. We have requested numerous time the company remove the account from the credit report as this account in COLLECTIONS is injuring the individual from attaining a higher credit score to participate in commerce.
Consumer complaint received 2024-03-20
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. (LA)

On XX/XX/2024 I sent a dispute via certified mail through USPS to Experian. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for Experian to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that Experian and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that Experian DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and Experian has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : XXXX. XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-07-12
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. (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 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 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I hired a moving company, and the men stole valuable jewelry from me. I will not pay for this service. 
XX/XX/23, posted XX/XX/23 XXXX XXXX XXXX XXXX XXXX. {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2024-03-20
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. (GA)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-07-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to express my strong dissatisfaction with the credit reporting agency. Despite my many attempts to fix the problem, they have consistently ignored my requests and shown a lack of commitment to making sure credit reports are correct. I sent disputes on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX. However, Experian, XXXX, and XXXX chose to ignore my previous complaints. It's clear that they didn't have good procedures in place, which led to credit reports that are not as accurate as they should be. According to the rules, Experian, XXXX, and XXXX are supposed to investigate and respond to my disputes within 30 days. But I haven't heard anything from them, and they haven't made any effort to look into the mistakes in my credit report. This situation has caused me a lot of stress and frustration. I trusted these credit reporting agencies to handle my information responsibly, and their failure to address my concerns has made the problem even worse. I demand that they quickly investigate thoroughly and give me a satisfactory response about the mistakes in my credit report.
Consumer complaint received 2023-04-23
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: SANTANDER HOLDINGS USA, INC. (TX)

I'm am filing a complaint with the credit bureaus about accounts that are fraud and I have already reported this sent in letters and police reports under the 15 U.S.C 1681 15 U.S. Code 6802 still haven't been removed other than the accounts becoming verified They had 5 business days to remove the account Santandar Consumer And never did so which is a violation of my consumer rights Ive mailed notarized, and FTC report letters and the account is still on my reports.XXXX has removed the Santander account XXXX and XXXX has not and they couldn't possibly be reporting accurately if one of the three bureaus removed the " inaccurate '' information that is fraud with no method of verification XXXX has not mailed not 1 letter to me about this and XXXX is not even showing information about my credit report or score I asked for method of verification and have yet to receive anything from XXXX or XXXX regarding this account and it has now been 60days which is violating my consumer rights im trying to purchase a house and new vehicle and this is holding my report back and also defamation of character
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information from my credit report. The information that I demand to be deleted is attached with this affidavit. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I demand that the items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2023-04-23
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. (CT)

I did get behind on finances due to having XXXX which put me out of work long term then led to my company closing due to Covid. At same time my wife filed for divorce and my whole world came to a crash. 

Now. Back on my feet. I reviewed my credit report. Some items left by my ex. Some did get behind due to no income coming in. 

Now. I am working two jobs and trying to rebuild my life and my credit in order to buy a home. Thankful my storm is over. 

I contacted each and every account on my XXXX credit report. Disputing and then redisputong items. Multiple times and still not being reported correctly. Recently. I paid in settlement XXXX outstanding accounts. All verifiable. And confirmed. Ive reported these payments. Its reviewed. Then I get a motive dispute is complete and its still listed as potentially negative or paid in settlement. But still says. Potentially negative or collection.

Only if you look at small print it

may say paid in settlement. Then remains. Collection or paid in settlement. Its like they update 1 part but not others that show creditors negative. I am back on mr feet and earn XXXX per year. And a secure future ahead but am held back by inaccurate listing on all 3 bureaus. Can you help expedite this process as Im trying everything.
Consumer complaint received 2023-07-12
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX ) # 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
Consumer complaint received 2024-03-20
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. (LA)

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 2 out of 3 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. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This is in regards to XXXX XXXX / XXXX XXXX XXXX. 
It is related to two accounts where I asked for proof of ownership and validation. 
I requested this information on two separate occasions Please see attached validation request letters dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. 
Midland originally used XXXX XXXX and XXXX XXXX to contact me. I requested validation from them ( XX/XX/XXXX and XX/XX/XXXX ). I received a standard " non-specific '' response stating that they " are uncertain of what I was disputing ''. I clearly requested documentation from XXXX ( aka XXXX XXXX XXXX is who responded ). 
Again, on XX/XX/2018 I requested validation and requested very specific documentation for both accounts. Again, on XX/XX/XXXX ( by mail ) received the very same template response. 
I have attached all of these documents to this complaint. 
XXXX XXXX XXXX and XXXX XXXX has failed to send any valid documents to me to reflecting that they are the true creditor on these two accounts. I am requesting them to cancel the accounts and cease all collections. So far to my knowledge, they ( Midland ) has not reported any account to my consumer credit report.
Consumer complaint received 2024-03-20
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. (LA)

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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX -Has violated my rights XXXX-Account # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXXAccount # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXX-Account # XXXX Has violated my rights XXXX-Account # XXXX violated my rightXXXX XXXXAccount # 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 an account without my written instruction.
Consumer complaint received 2023-04-23
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. (CT)

I did get behind on finances due to having XXXX which put me out of work long term then led to my company closing due to Covid. At same time my wife filed for divorce and my whole world came to a crash. 

Now. Back on my feet. I reviewed my credit report. Some items left by my ex. Some did get behind due to no income coming in. 

Now. I am working two jobs and trying to rebuild my life and my credit in order to buy a home. Thankful my storm is over. 

I contacted each and every account on my XXXX credit report. Disputing and then redisputong items. Multiple times and still not being reported correctly. Recently. I paid in settlement XXXX outstanding accounts. All verifiable. And confirmed. Ive reported these payments. Its reviewed. Then I get a motive dispute is complete and its still listed as potentially negative or paid in settlement. But still says. Potentially negative or collection. 
Only if you look at small print it may say paid in settlement. Then remains. Collection or paid in settlement. Its like they update 1 part but not others that show creditors negative. 

I am back on mr feet and earn XXXX per year. And a secure future ahead but am held back by inaccurate listing on all 3 bureaus. Can you help expedite this process as Im trying everything.
Consumer complaint received 2023-07-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FIRST PORTFOLIO SERVICING INC (TX)

On XX/XX/2023 this company contacted a relative via text message and disclosed personal information about a debt. They have previously sent text messages to various relatives threating lawsuit and using other scare tactics all while disclosing my personal information to non interested parties.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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.

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 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

Over the summer I had went overseas and had my accountant take over my charges for the time being. When I had come back and went over my financials with my accountant, there were 4 fraudulent transaction and I called Chase to report these these transactions during the middle of XXXX of 2023. The transaction 's were on XX/XX/2023 for {$8200.00}, XX/XX/2023 for {$15000.00}, {$15000.00}, and {$11000.00}. My accountant never notified me of these transactions because he thought they were normal professional services that I had bought. Chase temporarily refunded my account for the time being until they called in XXXX asking for more information which I was more than willing to give. I included flight information and personal information that could help them in their investigation. On XX/XX/2023 they added the charges back to my account with no notification on email or phone call on what happened with the investigation. I have a cleaning company and these charges were for a health and wellness company, according to the person I talked to with Chase. I don't know how those two would relate in any way. I also changed my accounts with Chase so something like this never happens again.
Consumer complaint received 2023-04-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX do not have a license or permit per the North Carolina Dept of Insurance to represent as a " Debt Collector '' in North Carolina. 

Therefore, I strongly request this company be removed from my Experian credit report, due to unauthorized communication, inaccurate payment reporting etc. 

In contrast, Experian refused to furnish documentation to the consumer ( me ) of their " physical '' representative results who investigated this concern. 

In conjunction, Experian & XXXX XXXX refuse to provide proof of a North Carolina debt Collectors permit under the NC. Dept of Insurance.