davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

I have been receiving scam likely calls from an agency on behave of XXXX XXXX XXXX claiming I owe a debt. So after I seen they reported the debt to credit bureaus I reach out to the company. MRS BPO is the company. I talk to someone and claim I owe a debt of XXXX and I explained that I dont even have XXXX XXXX XXXX in my regular name and thats its in my LLC and in order to put it in your LLC name I had to pay any remaining balances and all of my phones off at that moment and I did. Now its it my LLC name and its set on auto pay so I dont have to worry about owed payments. After that they got quite on the phone and left me on hold for 20mins then I hung up. Seems real scam likely.
Consumer complaint received 2023-02-24
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. (FL)

To Whom It May Concern, I made an uninformed decision on XX/XX/2016 when I entered into this consumer credit transaction. The only evidence they have is the agreement, and since there is no evidence of indebtness and because of this uninformed decision this contract is null and void. It was not clear and conspicuous.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal notice that transunion has failed to respond in a timely manner to my dispute letter of XX/XX/25, deposited by registered mail with the U.S. Postal Service on that date. I sent proof of my address verifying it was indeed me. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I also filed a complaint that was incomplete because I asked for the XXXX account be removed and they responded they where deleting something else that was not on my credit. 
A complete investigation was never complete Complaint : Filed with CFPB XXXX which is closed and wasnt resolved.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

A collection agency is trying to collect a debt from me for an address that I never lived at, for XXXX XXXX XXXX, a product I have never had. I own the property surrounding the address but I do not live there nor have I never lived there I simply own the XXXX XXXX XXXX around it. They claim I owe {$610.00} to a company called LVNV funding who has purchased the debt from XXXX. In addition to the debt being charged off it as well past the statue of limitations to collect it. I have responded several times to this company telling them I do not owe the debt it is for someone else and I've never lived at this address and they will not listen. The name of the company is XXXX XXXX XXXX XXXX, Kansas. I have tried several times to dispute this through their website with no success as all it does is brings up a black screen when I try to submit it.
Consumer complaint received 2023-07-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: OPTUM BANK, INC. (IL)

I arranged a transfer in the amount of {$2400.00} from a personal checking account at XXXX XXXXXXXX XXXX to my Optum XXXX XXXX account on XX/XX/2023. The money was withdrawn from my personal checking account at XXXX XXXXXXXX XXXX  on XX/XX/XXXX. It is not available as of XX/XX/XXXX. I have called Optum Bank on three occasions this week trying to find out when the funds would be available as I need to pay a large hospital bill in timely fashion. If the aount is not available, I can not pay the hospital bill, and I will be assessed damages for late payment. I currenty have spend nearly XXXX hours on the phone with people from Optum Bank. They acknowledge that they took the money from my personal account on XX/XX/XXXX, but can not offer any explanation as to why it is not available.
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hello I was shock and confusing about what happen .I open my PayPal account XXXX I'm confusing until now of what happen in my account because I didn't receive any review.and permanently limiting in my account.dated in XXXX XXXX I request for restoring in my account..thank you.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$8700.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX  XXXX Balance Owed : {$3100.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX AZ XXXX
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Conn's, Inc. (CA)

I requested a copy of the supposed original binding contract with my signature for comparison. I never received that just a statement with addresses that I don't reside nor have I ever resided. I do not have a legal contract with the company responding to cfbp inquiries nor lvn funding. Can you provide the original contract with my signature on it to verify this supposed debt? If not I demand this account to be deleted and removed immediately.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WI)

In XXXX of 2022 I opened a chime banking account. Around XX/XX/year> I made XXXX separate cash deposits at a XXXX XXXX in XXXX XXXX. XXXX for {$500.00} and XXXX for {$400.00}. Immediately after depositing the funds chime closed my account and got XXXX years theyve denied refunding me my deposits. I no longer desire an account with them. I called them XXXX days ago as I learned theyre being sued for this same reason and was told before being hung up on that they closed my account and Im not eligible for a refund. How can someone get away with this? I submitted the required documentation they asked for account verification despite providing the same info at the opening of the account and they refused to comply. This is illegal. This is robbery. At that time I Fell behind significantly in my expenses as that was XXXX XXXX of my rent money. I just want my money back and its fair to say after all this time Im owed interest as well.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IL)

2016 my Comcast account ( now known as XXXX ) was closed. The account balance was subject to a return of equipment ( a remote control device ). They billed {$800.00} for the equipment. I had a conversation with a representative about how to resolve this matter. The company 's required me to either return the devices or pay the the fee.after two years I have retrieved the device. I have tried to contact the department that could provide closure to this matter and remove the erroneous item on my credit report, to no avail. I also sent them a verification of the account reported on my credit history, With a 45 day response, to no avail. I reported this information to the credit bureaus but they did not properly process my findings. 
I have the device in question and would like the negative item removed from my credit history.. 


The account number associated with this matter is XXXX XXXX XXXX This account was closed in 2016. By my account this is 7 years ago.. it should be removed From all three credit bureaus agencies..
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 10th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (CA)

I haven't been able to get a credit report from Experian in years. Any big purchases Experian does not show up. It has caused great trouble trying to buy a home and a car. When they have looked into it they have said it's an address problem. I have sent documentation in with my proper address, and this keeps happening. I was recently notified of a data breach by XXXX, and they told me to sign up with Experian so I can monitor my information, I reached out to Experian the same thing happened again. They are unable to identify me and my address and asked me to send in documentation proving my address. This has been going on for over a month and no one has been able to solve the problem. Today, XX/XX/XXXX  I am AGAIN mailing in documentation proving my address. I just hope in the meantime my information is not stolen or compromised. This has been happening for years. The problem is I am not aware that it is a problem until I go to make a big purchase. I went to buy a car and I get " Experian is not showing up on your credit report. '' I call Experian and they say " we need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate security questions. please send in your ID and a bill with your address on it so we can add it to your credit report. Then they say the problem has been solved. 

A couple of years go by, I try to make another big purchase and I get " Experian is not showing up on your credit report. '' I call experian and they say " we need to verify you are who you say you are, and we need to generate security questions. So sorry, we can not generate these security questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. '' Then another couple of years go by and I now have this data breach and I call experian and guess what happens? " We need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate these questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. PLEASE HELP.
Consumer complaint received 2023-08-27
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. (AZ)

Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have now spent two weeks trying to set up transfers between Bank of America and XXXX. I am a gold preferred client with BofA and have been their customer for 27 years. The problem ( admitted by one of the Bank of America XXXX ) is/was from BofA 's side. I have tried their website ( many attempts ), emailed, called, and gone to the local branch. At first they blocked my account for a week and a half. While the block has been removed, I still can not set up this transfer. I tried doing it, somewhat successfully, from XXXX 's side ( took a minute ) but this did not seem fully recognized by BofA ( stated it was inactive ). Today BofA 's rep had me delete this from my account, and had me go through exactly the same steps as I had before, with exactly the same results. Except the link I had established is now gone, as well as another half hour of my time ( I estimate time lost to be 5 and 1/2 hours at this point ). BofA continues to try to blame XXXX.
Consumer complaint received 2024-04-12
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. (FL)

Equifax XXXX XXXX has multiple times reported incorrect information on my credit report. Such as the amount of late payment on XXXX auto loan. The Fair Credit Reporting Act ( FCRA ), Public Law No. XXXX, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) These incorrect late payments violate my rights and I request the immediate removal of them due to their failure to respond to prior request. XXXX being penalized because their Equifax data breach that I was apart of.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

( Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe following personal information is incorrect. The personal data reporting is inaccurate.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX a credit company helps with disputes and getting things off your credit report that is hurting it. I joined was not with them long when, I was informed witb there information. That I had all these data breaches. I never knew I had, it was 13 of them I used there protection thing on app that stated that this was identy theft, personal information was involved.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (TN)

I emailed First Credit Services two separate times requesting a statement of the debt owed and did not receive a reply. I called and requested that I be provided with a link to pay the debt as well as a statement. The person on the phone, who indicated they were a supervisor, continued to insist that i take care of the debt on the phone with him. He refused to take my email address and continued to request why I wouldn't pay the debt with him on the phone. He badgered me about needing to know why I wouldn't handle the debt over the phone with him, not having a statement. When I told him I didn't have to provide any reasons for requesting a solution via email. He was quite aggressive and unwilling to take my email address, insistent that I provide reasoning. 
I am entitled to a statement and to handle the collection of the debt in the manner that I prefer. This particular " supervisor '' was aggressive and unhelpful.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (CA)

In the criminal background it says Im on XXXX on one charge the other ones says driving while suspended while XXXX  I have never gotten a XXXX  from XXXX  ever I have a XXXX  from XXXX  which should not even be on the background in the first place its passed seven years and California state law says u can not report anything passed seven years which u have reported on the report and it was for XXXX  and it reporting XXXX  which is a lie and all of those charges have been dropped to infractions except one so u guys need to fix this I have lost my job due to ur in accurate report
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute the negative inquiries on my credit report, which are adversely affecting my ability to secure housing. Despite my previous attempts to resolve this matter directly with the credit bureaus, the negative inquiries continue to remain on my credit report, thereby impeding my access to fair housing opportunities. 

Under the provisions outlined in 15 U.S.C 1681, I assert my rights to accurate and fair credit reporting. These negative inquiries inaccurately reflect my creditworthiness and jeopardize my fundamental right to access housing, they are defamation to my character, which is protected under human rights laws. 

I have diligently followed the necessary procedures to dispute and rectify these inaccuracies, yet the negative items persist on my credit report. I am requesting immediate action to investigate and remove these erroneous entries from my credit report in accordance with the law. 

Enclosed with this letter are copies of the relevant documentation supporting my claim, including previous correspondence with the credit bureaus regarding this matter. 

Additionally, I would like to highlight specific discrepancies pertaining to the accounts listed on my credit report. These discrepancies are primarily attributed to the absence of valid dates associated with the accounts. Specifically, the account " XXXX XXXX XXXX '' with an amount of {$2400.00} is erroneously duplicated on my credit report, appearing XXXX. 

Furthermore, the following accounts exhibit discrepancies due to the absence of valid dates : - XXXX XXXX XXXX : {$2300.00} - XXXX XXXX XXXX : {$580.00} - XXXX XXXX XXXX XXXX  : {$3700.00} - XXXX XXXX XXXX : {$630.00} - XXXX XXXX : {$9700.00} These inconsistencies not only misrepresent my credit history but also hinder my ability to secure housing. I urge for a thorough investigation into these discrepancies and prompt removal of the inaccurate information from my credit report. 

I kindly request that you initiate a thorough investigation into this dispute and take prompt measures to rectify the inaccuracies on my credit report. Your assistance in resolving this matter expediently is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2023-04-21
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. (FL)

When I log into myequifax.com my credit file doesnt show up. It is completely blank. I have spent hours in the phone with equifax to no solution to the problem.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-12
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-21
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX