davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

XX/XX/XXXX XXXX I received a call in XXXX of XXXX stating I owed a balance. Per credit laws I immediately asked for a validation of debt as I knew I never lived at the property the balance was for. I never received validation of debt for 7-8 months of going back and forth with the debt collection agency IQ Data International. At 8 months on a recorded call they lied and said they had an electronic lease. I informed them please send validation because if there are signed documents with my name this is fraud. They stated they would send a fraud packet in which I requested twice ( XX/XX/XXXX & XX/XX/XXXX ) and they never sent it. I submitted a dispute under fraud with the credit bureau XXXX. IQ Data International informed them the debt and all information pertaining the debt was accurate and verified. They debt collection agency requested I follow-up with them. So, again, I followed up with the debt collection agency and they did not send a fraud packet. Finally, on XX/XX/XXXX I received a letter from them stating the copies of proof of debt were attached. On recorded calls they lied time after time. There was no lease, no electronic signatures, no copies of ids, just a paper with a list of charges on there. This is not substantial documentation to lie to a credit bureau and continue to not send the fraud packet that I have requested for over a year. The fact that they have given me the run around for so long means they know this is inaccurate but they refuse to resolve this matter for the sack of collecting money from someone who does not owe a debt. I highly encourage a detailed investigation into IQ Data International and its practices. Over the duration of my time with them they have broken several laws including not providing proof of debt within an allowed time. From XXXX - XX/XX/XXXX I consistently requested proof of debt and received nothing. I also even wrote a letter to one of the managers within the company explaining why I did not owe the debt and they still refused to resolve this matter. They stated to one of the credit reporting agencies that they had true and accurate information to validate debt but truly all they have is one piece of paper with a list of charges. This is completely unjust.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been dealing with this nightmare for 7 years now. XXXX and it's credit lenders are corporate bullies who pray on individuals. My XXXX XXXX Account was closed in XX/XX/XXXX. I was harassed and consistently bombarded by both XXXX and a collection agency. I continued making payments on a closed account in good faith and I slowly noticed that XXXX changed the information displayed on my credit report. In XX/XX/XXXX I realized they reported that my account was opened again even though it was indeed closed and I was not able to use my card again. It was clearly a relation move given the fact that I have made prior complaints to the CFPB and consumer agencies. At the end of XXXX, I called one of the many financials offices of XXXX credit cards and offered to pay the {$500.00} in late fees that were accessed throughout time even thought I had already paid off my original balance. The associate on the phone said not to pay it because my balance is scheduled to drop off my credit report in XXXX. However today, XX/XX/XXXX, after calling XXXX different departments, I learned that the company indeed reported that my account became delinquent in XX/XX/XXXX ( and not closed in XXXX ) and that it won't drop off of my report until XXXX!! When I asked what happened to my prior closure from XXXX, THEY SAID THAT THEIR SYSTEMS CAN NOT ACCESS DATA FROM XXXX! This is fraud and fraudulent activity in addition to targeted bullying. **Backstory on delinquency.. I changed jobs in XXXX and delayed on 2 months of pay on my XXXX XXXX and they had no REMORSE. They immediately closed my account. I have an 100 % payment record on my credit report and prior to XXXX I ALWAYS paid my Macys account on-time. They are corporate bullies.
Consumer complaint received 2022-12-21
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. (VA)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 2023-04-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (NM)

Basically, the collection agency ( NATIONAL CREDIT ADJUSTERS ) drudged up a XXXX year old debt and stuck in on my credit report. THIS DEBT IS COMPLETELY PAID OFF ... .BUT NATIONAL CREDIT ADJUSTERS WILL NOT REMOVE THE COLLECTION FROM THE 3 CREDIT REPORTING AGENCIES! THIS COMPANY IS FAMOUS FOR THIS AND ITS ALL OVER THE INTERNET. I DON'T REMEMBER HAVING THIS ORIGINAL DEBT ANYWAYS BUT I PAID IT OFF THINKING NATIONAL CREDIT ADJUSTERS WOULD REMOVE IT FROM MY CREDIT FILES. PLEASE CRACK DOWN ON THIS COLLECTION AGENCY 'S ILLEGAL ACTIVITIES. THEY ARE RUINING THOUSAND OF CONSUMERS CREDIT SCORE
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

OnXX/XX/2021 I sent a letter regarding inaccurate and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate, late payments and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (MI)

On XX/XX/XXXX, a XXXX XXXX checking account was opened with my personal information XXXX XXXX also -added a derogatory mark on my banking report history per XXXX XXXX. After, I conducted my own thrall investigation I disputed the inaccurate addresses, and information associated with the fraudulent account. In results to the dispute, I won in my favor. On XX/XX/XXXX, I received a letter from XXXX XXXX  stating, after completing their research I was not the person responsible for the fraudulent account. The letter also stated XXXX allowed to open a checking account inside any XXXX XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I applied for a XXXX XXXX checking account online. With a deposit of {$50.00} dollars from a debit card my application was immediately approved. After several consecutive days of the new account opened. XXXXXXXX XXXX closed my checking account, and never explained as to why. Im disgusted a Bank with such a popular name would treat their consumer in such manner. Im highly disappointed this is a tough time in the economy. Inflation is high. On whos stressed for money has no time for a deposit thats not returned. I've also have not been able to open any future accounts with XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-12-20
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. (PA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 2021-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TN)

The below list a a minor list of all these calls, I have contacted them and even. blocked their number but they circumvent this by attempting toes a XXXX area code masked by their real number. This is blatant harassment and myth next step is to see legal representation. 


Name Number When Actions CREDENCE XXXX Today, XXXX XXXX CREDENCE XXXX Today, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX. 
CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX  CREDENCE XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-12-20
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. (MI)

PA 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.

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. An 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 2021-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

I received a letter, then a phone call from Fox Collection Center XXXX. On XXXX, XXXX at XXXX XXXX.This was a bill for {$3600.00} thru XXXX XXXX XXXX XXXX. Upon talking to them it was for a XXXX XXXX that occurred on XX/XX/2020 while working at XXXX XXXX in XXXX Tennessee. I was taken unconscious to XXXX XXXX XXXX in XXXX Tennessee, that bill of {$210000.00} was taken care of when transferred to XXXX XXXX in XX/XX/2020. I have been granted SSDI. Why are they HARRASSING me and telling me to contact XXXX XXXX XXXX, why is this coming up a year later. Why is it being reported to the credit companies they say it is not there problem. HELP
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CHARLES SCHWAB CORPORATION, THE (NY)

Witholding tax is withdrawn each month from my checking account at Charles Schwab Bank. I am not required to file 1040 due to low income. No witholding has ever been taken in brokerage accounts or funds. IRA is opt out. For 2022 the amount was too small to report. I did not file. 
Numerous contacts saying it is fixed yet it does not stop. 
This is an interest bearing account. Capital gains, dividends and other taxable income have never been taken from other accounts. 
Why should THIS BANK take withilding when other banks do not? Why won't they let me opt out in this account for tiny amounts when they do for large amounts in onother accounts?
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX I pulled my consumer report and noticed erroneous errors; including but not limited to my address. 

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. 
How did Experian validate that these non-mailable addresses belong to me? What proof does Experian have that these address belong to me? Experian, please provide the proof to me via sending the validation documents to my certified address referenced below. 

The referenced non-mailable addresses below, do not belong to me, I do not recognize, are non-mailable addresses, and I am unable to receive mail at these addresses. 

Furthermore I am informing Experian of this error and would like for the error to be corrected. Thank you for your attention to this urgent matter. 


I only have one certified mailable address that belongs to me, and that I may receive mail to. The certified-mailable address that belongs to me is : Certified Mailable Address : 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 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 Enclosed Proof of Identity : 1 ) Photo identification/Drivers License 2 ) Bank Statement Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-20
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. (FL)

The following Accounts have never been late and the credit bureaus are reporting inaccurate information. The accounts have been in deferred status because of still enrollment in school. Removed the late payment ACCOUNT : XXXX XXXX  XXXX ( XXXX ) THERE ARE XXXX ACCOUNTS ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act, they have 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 instructions
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Mortgage account is current and all payments have been made within 30 days. 
Account status as ( incorrectly ) reported to all XXXX credit agencies is " delinquent '' and there are 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) which are incorrectly reported as over 30 days late. 
Payments on this account have never been more than 30 days late ( as demonstrated by attachment to this complaint. ) Status of account is reported incorrectly and previous months ' status is also reported incorrectly. I have filed a notice of error with my mortgage company and have initiated a credit dispute with all XXXX credit agencies.
Consumer complaint received 2017-09-18
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)

I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
Consumer complaint received 2024-03-06
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. (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  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2022-12-02
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. (CT)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$360.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MD)

Vehicle was totaled XX/XX/22 payoff was sent but during the process they added late fees while they held the check for 3 weeks. American Credit Acceptance then agreed to waive XXXX fee but have not even though they have several notes confirming that they will waive. Now it has been 3 months and it is still showing open and balance owed on all 3 credit reports. Just spoke to XXXX ( a member of management ) and was advised that the fee shows waived in one system but not another and he would have to contact the credit dept to escalate meanwhile this will be the 4th month that they have reported this loan as open and late to all 3 credit company 's.