davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

I had internet service with XXXX but due to poor service and bills coming late, poor customer service, service was disconnected in XX/XX/XXXX. I completely moved out of the state to another. I started getting calls about service and they wanted to make it right. I informed the office of the President for XXXX that I no longer lived in the state and did not need their service. They apologized for the error and said I will not be contacted again. Service was disconnected and no balance was remaining. Some how, I started getting phone calls from a collection company called MRS BPO. I instructed them to stop calling me and if They believed I owed a debt to put it in writing, as I did not owe a debt to them nor XXXX. They became rude and obnoxious. The persisted with calls, now they have intentionally and willfully placed false claim of debt on my credit profile. Moreover, they made they start date of service XX/XX/XXXX.
Consumer complaint received 2023-09-27
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-10-13
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. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-02
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: TD BANK US HOLDING COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

I have 4 collection account with the same credit agency midland credit mangement and they keep playing with the credit amount by either saying I paid {$1.00} and then the next month add a dollar back on like it trying to reset the time of debt. Haven't even talked to these people or responded always dispute online and that on woman within and XXXX XXXX account.plus I closed these account when I moved out of town they where to send final bills for the 4 accounts but instead let it stay open and get late fee charges when I personally called and closed these and ask them for detailed last payment /monthly payments amount /and details of items I bought and the recorded phone call since it was recorded everything I called it should show that I closed ghe acount so how are there fees know all these cards don't make since. I been disputing this since the beginning of the year practically ever month
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/XXXX  Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
XXXX. High Credit : The reported amounts for all three credit reporting agencies ( TransUnion, XXXX, and XXXX ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies. 
6. Payment Status : The payment status is showing different days. 
7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years. 
9. Date of Last Payment : The reported dates are entirely different and not accurate. 

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA. 

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action. 

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ]. 

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects. 

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible. 

Your expedited assistance is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (CA)

Discover Card had reported me as being deceased and then corrected it to not deceased but now my credit history is only 5 months long and it should be 7 years. As a result, I'm unable to get a new credit card or obtain a FICO score.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted equifax credit bureau , XXXX credit bureau and , XXXX  credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.
Consumer complaint received 2023-05-08
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. (AR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Here are the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (TX)

Started a claim with XXXX through XXXX and online on XX/XX/23 after I noticed my credit score decreased due to a collection posted on my report by Southwest Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Called them and could not give me any info besides Name of : XXXX XXXX used my social to open and run account. This account was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emailed them about fraud and XXXX called me back regarding matter and stated that could have been very old account, possibly not recent. Procedure to send to collections to see what they could get back. He understood fraud and would take necessary steps if he was contacted about situation and correction. Called XXXX  back today XX/XX/23 XXXX XXXX  and told me to make a claim on this website to attempt to clear collection from my Credit Report.
Consumer complaint received 2023-05-02
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ON XX/XX/2023 HAS PULLED MY CREDIT WITHOUT MY, THIS WAS DONE WITHOUT MY KNOWLEDGE, WITHOUT MY CONSENT. I NEED THIS TO BE REMOVED FROM MY TRANS UNION CREDIT REPORT.
Consumer complaint received 2023-04-09
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. (TX)

In accordance with the fair credit reporting act XXXX account # 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 2023-10-13
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)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-06-07
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. (TX)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-03-21
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. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

Refund owed has not been received. Details and assistance not being provided. 

I sent an overpayment of {$4100.00} to XXXX XXXX XX/XX/2022. They claim to have returned the overpayment to me but I have not received the money. When I have asked for detail via the online customer service portal and also via standard mail repeatedly since that time, I have not received the detail requested and I still do not have the money. 

The check sent to them for the overpayment was generated by a third party ( loan proceeds requiring debt payment ). I have contacted that bank and they claim they have not received any returned funds from Comenity for that amount in my name or into the originating account. Comenity first claimed the money was sent via wire but did not provide detail. Then it was claimed to be sent via check, but I have not received it and they have not provided information on whether or not that check has been cashed by someone other than me. There is no one else in my household so if it has been cashed, it has been done fraudulently.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-25
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. (GA)

I recently received a copy of my credit reports. The credit report showed my student loans which I did not authorizie. I understand that it shouldn't be allowed to put on my file unless I have authorized it. 

According to 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I notified the Credit Bureaus on XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX. 
Notifying them that they do not have my legal consent to share my information. 
The amount of my Student loan is XXXX. 
I notified them stating that I have sent letters certified mail because I needed prompt response to this issue.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (CO)

On XX/XX/2023, I attempted to purchase a puppy from XXXX. The owner said his name was XXXX XXXX. The phone number I was given was XXXX. I sent this individual {$810.00} but had to send them in increments. Through Zelle, I sent this person three {$200.00} amounts, {$100.00} and {$110.00}, which amounts to {$810.00}. They were a fraud ; I never received my puppy, and their site is still scamming people.