davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Greetings, My name is XXXX XXXX XXXX and I found inaccurate information on my credit report.The following is what I found... 
On XXXX there is a company called XXXX XXXX XXXX with a balance of XXXX Account details Account NumberXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Type Individual High Balance {$3400.00} Unpaid Balance {$3700.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX On Equifax reporting I found the following... 
Collections XXXX XXXX A Reported : XX/XX/XXXX {$5900.00} Current RatingCollection/Charge-off Account details AccounXXXX NumberXXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX XXXX Status Open Type Individual High Balance {$5900.00} Unpaid Balance {$5900.00} Collection agency XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX What I found on my XXXX report was the following... 
Account details Account NumberXXXX Date OpenedXXXX XXXX, XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} Account details Account NumberXXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ( XXXX ) XXXX The acts I have taken was talking to a credit professional for consulting. I was instructed to contact this agency ( CFPB ). I found that these agency that misreported on my credit report is violating my rights. 
My Legal rights states as follows... 
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 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 2024-05-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

I submitted a dispute with the company regarding this debt. I was unaware of any lease at XXXX XXXX XXXX XXXX. I did not consent to any of my information being used to own a lease with this company. This company is reporting a derogatory mark on my report that is inaccurate and untrue. I would like this issue resolved and this account be deleted from my report.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

Derogatory Account : CREDIT COLLECTION SERVIC XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX Dear CCS COLLECTIONS, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL, FTC, OCC AND CFPB.

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 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 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2018-08-29
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: Experian Information Solutions Inc. (SC)

The following letter was sent to XXXX without a response : To whom it may concern, XX/XX/17 I am notifying XXXX and its representatives that I am disputing a credit enquiry made by your company on or about XX/XX/2017. I was in a XXXX  store located in XXXX South Carolina when I was approached by a XXXX representative who enquired about my television service. We began discussing different options that your company offers. After taking some of my contact information the representative asked me for permission to do a credit check. I immediately refused. The representative thanked me for my time and the conversation ended. I left the store. I have since monitored my credit reports to find an unauthorized hard enquiry was made by DIRECTV.

In accordance with the Fair Credit Reporting Act, please remove this enquiry from any and all credit reporting agencies that this enquiry has affected within thirty days of receipt of this letter. My contact information is provided below.

( Included was my personal information including name, address, and telephone number ) ( I have removed this information in accordance with the instructions provided. )
Consumer complaint received 2023-11-16
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. (PA)

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2023-03-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business & Professional Collection Service Inc (CA)

XXXX XXXX XXXX has listed a medical debt on my XXXX and XXXX credit reports. I have disputed this account intermittently for approximately two years. I do not have a signed contract with Hospital Collection Services and they have not sent me any documents proving that I own this debt. In an attempt to fraudulently and illegally manipulate the statute of limitations on credit reporting as well as add interest to medical debt, they have increased the original reporting amount by XXXX dollar each month since initially reporting this account which shows current activity. Furthermore, this debt is less than {$500.00} and continues to report on my XXXX and XXXX credit reports. The federal government has enacted legislation that medical bills less than {$500.00}, whether paid or unpaid, must no longer report to the credit bureaus as of XXXX XXXX XXXX. Therefore, I want Hospital Collection Services to cease reporting on my XXXX and XXXX credit reports as they have contributed to furnishing financially damaging information about me which costs me hundreds of dollars in interest each month.
Consumer complaint received 2018-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

capitol reported 2 credit inquirers in XX/XX/2017 XX/XX/2017 I did not auhourize these their phone number is XXXX XXXX XXXX I contacted them and they told me they would remove them but they only removed them from XXXX  not XXXX XXXX report I sent XXXX XXXX a letter over 6 months ago still no response they know they were unauthorized by me they removed XXXX but not XXXX XXXX please help me
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

I called XXXX XXXX XXXX XXXX around XX/XX/2017. to purchase a set of earrings. The total was around. {$40.00} The operator stated Apply for a XXXX card we will take {$10.00} off of the purchase. 
No application ever arrived, I made my payments on flex-pay. Months later I started getting e mails  from " XXXX '' stating I owed {$12.00}. ( do not respond to these emails is indicated ) Some time after my third contact explaining that I have no XXXX  Charge card, and never did business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -- Billing issues XXXX. 
I applied for a loan at my credit union, I was turned down because this has now made it to my credit bureau. I also lost a job and many other damages resulted. 
They increased the fake indebtedness to {$220.00} ( from {$12.00} ) XXXX representatie said ( he'd pay them whatever they want.. ) That alone must be usery. I was never offered an application, let alone terms and conditions, before or after the fake loan was published. I agreed to nothing written or otherwise. 
The next attempt to reason with them resulted in the representative from XXXX tried to make sense with his bank, stating I will pay the {$12.00} .... Too little and too late. She now demands {$26.00}. At that time this was removed from my credit bureau, XXXX paid their bill. They still insist an account exists!!!. MY damages still need to be compensated. Life is short. Time is all we have in this world and to steal my freedom and push me into a ward of the government. Dependent on the state is more than wreckless. 

I am certain they do this to tens of thousands of people. If you took a vote, and asked everyhone who has gotten an XXXX CARD what happened, you'd be in for one of the biggest scams ongoing in America. 

XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-29
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (NY)

I signed up for National Debt Relief in XXXX of XXXX. I had been a victim of XXXX and fraud of the company I got it from, causing a domino effect of debt to accumulate ( the fraud prevented any gov assistance for 7 months ) which compounded with being a victim of a XXXX XXXX XXXXXXXX just before XXXX fell. I have had my entire lifes savings and work taken from me through no fault of my own. I wanted to settle down the debts though so I may move forward someday. This company when I called in XXXX, ended up speaking to me for approximately 2 hours in the initial call. They did not disclose any information about their own fees, only that they were there to negotiate new lower balances for the 5 credit card accounts enrolled. I have been paying XXXX $ every other week since, contributing to these balances, 3 of which had been lowered. 
I had a change in circumstance in XX/XX/XXXX that resulted in being able to pay {$4000.00} towards the debts. 
I called again, twice, to specify my payment was only authorized to go towards 3 specific accounts out of those 5 to settle as many as possible to improve my credit so I may get a new car with better credit. 

When I called after the payment processed some days later to verify the accounts were paid, I was told of a new settlement fee on the other 2 accounts which total just under the balance fee. Approximately {$2000.00} of that {$4000.00} went towards a settlement fee that I did not authorize. Not only that, but at no point in time was this settlement fee made clear to me from sign up to now. I have no idea where it came from, but it is equivalent to what my biggest account balances already are, effectively doubling my debt, not relieving it as initially thought. Id been under extreme duress as a XXXX XXXX XXXX XXXX XXXX XXXX where health issues have mounted in total lack of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I requested someone from the company explain why no employee explained their settlement fee until I made a $ XXXX payment that they assured me would be processed as I specified, half of which was taken by this company with new fees that doubled my debt, not relieved it, that Id never seen before or heard before. When I asked them to explain why this is the first I am hearing of this, and to please process as requested, I was literally laughed at like Im stupid and was told through a clear smirk on the phone that Yeah, youll never get that back. 

I was told a supervisor would call me back at XXXX on monday, today, to answer my 2 questions. This has not been done either. I am sick to my stomach at this situation as a customer ; I have just been violated all over again without consequence yet.
Consumer complaint received 2018-08-29
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. (NY)

XXXX  and experian are reporting two negative accounts one from XXXX XXXX and the other from XXXX XXXX XXXX.one was deleted once before under the previous debt collectors and then in XX/XX/XXXX added back on to my report.The current..I 've advised the reporting agencies and the collection agencies that these lines of credit were opened using my information without my consent. I never really checked my credit consistently until about 3 years ago and that is when I discovered these two accounts along with about 3 others which when contacted were promptly removed. The new debt collectors have also re aged the accounts to make it seem on my credit report like this is a brand new debt when in fact both the items are from XX/XX/XXXX and XX/XX/XXXX and they are reporting the accounts as just defaulting in XX/XX/XXXX and XX/XX/XXXX, because of all this inconsistent information on both of these accounts. I've disputed these two accounts over a dozen times since I first discovered them back in XX/XX/XXXX. One was finally removed in XX/XX/XXXX and then purchased by XXXX XXXX and put back onto my credit report in XX/XX/XXXX. All i've ever requested was for the last two negative accounts to be removed. If you look at my credit report I have over 12 credit cards for the past 3 years and not even one has ever been late ever these two accounts don't even match the consistency of all of my current accounts. I would never take out a payday loan product to buy anything ever because it is a recipe for disaster and its classic predatory lending targeting poor and desperate people and taking advantage of their situation for financial gain and there are easier ways like establishing credit ( which I have ) and making payments on an actual credit card ( which I do ). thank you for your time
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Consumer complaint received 2023-11-27
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2018-08-29
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: NAVY FEDERAL CREDIT UNION (TX)

Dear Company : I am a victim of identity theft due to the XXXX Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. 

****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. 
Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-26
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)

THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I sent a request to the companies asking to provide my written authorization to report my personal and private information and to withdraw all authorizations per 15 USC 6802. i have uploaded the document that sent to them.