davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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. (PA)

XXXX XXXX XXXX creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1800.00} Balance updatedXXXX XXXX XXXX  Original balance {$1800.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX  Account typeDebt Buyer StatusCollection account. {$1800.00} past due as of XX/XX/2023. 
Status updatedXXXX XXXX Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX 15 us code 161 c z a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. it has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. these accounts should not be furnished on my consumer report as they are in violation under 15 us code 1681 b - the permissible purpose of consumer reports ( a ) in general subject to sub-section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consent instruction to report anything on my consumer report which violates my right as a federally protected consumer. no consent is identity theft. As a consumer, I am demanding the deletion of the account listed immediately
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — Store credit card
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)

Inaccurate credit information on my credit and the failure of Experian to positively post an accurate report has hurt my ability to obtain credit. 
Under the CARES Act, passed by Congress, I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full.. Moreover, because of the mistakes on my credit report, I have been wrongfully denied credit recently.
Consumer complaint received 2023-04-18
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. (PA)

The account in question is not mine, as I stated in my initial complaint. Despite the fact that it says this account has been validated, the information is still incorrect. This account has to be immediately deleted from my credit record, as requested.
Consumer complaint received 2022-12-06
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance XXXX {$490.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX Balance : {$2100.00} XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ( Original Creditor XXXX XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-12
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. (GA)

XX/XX/XXXXI Inaccurate information issues Complaint : XXXX XXXX XXXX Complaint against EQUIFAX CREDIT REPORT I m demanding you to remove or correct INACCURATE INFORMATION as follow : 1- My correct name is XXXX XXXX XXXX NOT ( XXXX  ) please see attached document 2- In XX/XX/XXXX I  arrived USA for the first time in my live as XXXX  ( see attached document ) you stated on the report page number ( 2 ) CREDIT CARD LIMIT XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX. 

3- On the report page ( 40 ) credit limit XXXX According to my right these inaccurate information must be removed or corrected Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I respectfully urge your strict adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to protect the rights of American consumers in matters relating to credit bureaus. Within the confines of this regulatory context, I kindly request XXXX to take the requisite measures to refrain from reporting the ensuing inquiries on my personal information : Inquiry Details : Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested In alignment with the FCRA 's principles, which emphasize the necessity of accurate and equitable representation of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. Your unwavering commitment to upholding the fundamental tenets of consumer rights within the sphere of credit reporting is deeply appreciated. I anticipate your diligent efforts to ensure compliance with the FCRA regarding the reporting of these inquiries on my personal information.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-11-03
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. (FL)

My credit with you seems to have been hacked. While reviewing my data, I found numerous files that did not belong to me. Due to my meticulous study, I discovered that you are obligated by law to terminate and block any account that is determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records as well as the bank 's ( learned through more research both parties require ). Remove these files immediately. If you believe there is a chance that these accounts belong to me, I will need all supporting documents bearing my signature ( according to another research item I discovered, you must confirm each account is 100 % real, exact, correct, complete, and VERIFIABLE ). Please be aware that I will take legal action if you don't offer any records while saying the item is confirmed. Both my attorney and I do not enjoy gaming. Therefore, abide with the law so that this situation may be resolved quickly.

The challenged items were opened without my knowledge or agreement, in accordance with Fair Credit Reporting Act Section 605B, so kindly erase them.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (FL)

I had an interest free payment plan for an air conditioner unit, through Goodleap. I setup an autopayment through their payment portal for {$840.00} in XX/XX/2022. This recurring amount would fully cover the balance WITHIN the interest free period. I called the company on XXXX to verify that no additional charges or hidden fees would be applicable to trigger the collateralized interest penalty. I was assured that it would not. Today, XXXX, I received a bill in the mail from Goodleap for the collateralized interest penalty. After speaking with a representative from the company, I am told that on the last month XXXX I logged on to the portal and cancelled the the final payment of {$840.00}. Furthermore, I am told that 3 days later, XXXX, I authorized a payment for {$820.00}. I did neither of these transaction within their payment portal. This is a {$20.00} difference that has generated an interest bearing ( 11.49 % ) debt totaling {$1200.00}. This morning after receiving the bill, I reached out to the company and explained that I did not make the cancellation or the payment for {$20.00} less than the original amount I had setup. ( Why would I reduce the payment by {$20.00} to incur the collateralized interest payment of XXXX? ) There is, and was more than enough available funds in the account to cover the full payment. The customer service representative said that there was nothing they could do about it. This is an offshore call center and they refused to put me through to an American based call center for the company. I additionally researched the company and found that the is XXXX XXXX XXXX. I logged on to XXXX and sent him a message outlining, basically, what I have explained in this statement. I also explained to him I am a XXXX veteran and that I did not make the transactions. I respectfully asked that he help me rectify this situation. I need help with this. My intuition is that this is corporate fraud. a similar thing happened in XXXX with XXXX XXXX for an interest free loan to put windows in my house. I did not have the money for legal services and ultimately paid them XXXX XXXX of dollars to close the account. I'm hoping your organization can help me rectify this situation.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (FL)

I received a Notification that this company is handling a previous debt .After further research an information from XXXXXXXX XXXX XXXX  i see that this company is not registered in the stated of Texas to collect debt.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a scam call on XX/XX/XXXX, and claiming to be stationed in the XXXX XXXX informing me that I had a bank card which has related to the financial crisis, and the call was then transferred to the " XXXX XXXX XXXX XXXX ''. The scammer claimed that he was the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The scammer claimed that I would be arrested and sent back to XXXX because I was suspected of committing a crime. The scammer said that If I paid a guarantee to the procuratorate, I could apply for a guarantee certificate and revoke the arrest. I could get my money back if they check that there is no problem with my money. The scammer asked for confidentiality and monitored his activities through video calls. Under the intimidation and induction of fraudsters, I transferred money to XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX to the bank accounts provided by the scammer and suffered losses of XXXXXXXX XXXX 

I have told bank of America, the police in XXXX, the police in XXXX and XXXXXXXX XXXX and haven't received any progress yet.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-08-14
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. (MD)

This is my 15th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

Over the last 11 years I have been paying monthly and paid the last of it on XX/XX/XXXX of this year. Upon filing my taxes MCM failed to release me from the State of Michigan garnishments. I had no agreement for monthly withdrawals associated with a bank account throughout the 11 years. They made repeated attempts to get me to agree to a set amount, and if I failed that payment they would assess fees. Well that happened and a {$5400.00} fee was added to the debt. But I kept paying until it was done and I received the letter stating as such. So now they have taken {$1100.00} from my tax return from a garnishment issued from the court dated XX/XX/2020. 6 months ago. 
They failed to update my file with the state of Michigan. How many others out here are just like this? Paying to get free of debt and mostly the debt company 's that are difficult to work with. I paid this debt without discount! I over paid if full! 
Currently they will not receive my calls or respond after sending Emails to the president of Midland Credit Management, XXXX XXXX.
Consumer complaint received 2023-08-14
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. (FL)

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall 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 of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

An unauthorized charge for XXXX debited from my account on XX/XX/XXXX with a descriptor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have used my debit card XXXX time this year, on XX/XX/XXXX, to take {$200.00} cash from the debit machine on XXXX XXXX XXXX. I do not make purchases with this card, or any debit card.

I saw the charge the morning of XX/XX/XXXX, blocked access to my card using the app and called to report it. 

The rep could not give me any information about the charge. She told me it would take up to XXXX  days to process. I asked to speak to someone in the dispute department. She said there was no one and that no one would even open my case for XXXX  days. I asked to speak to a supervisor. She said someone would call me. I got no answers on how to re-gain access to my money.
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IL)

Continues to send one page, no contract with company and now is threatening an attorney to take case. sent cease and desist letter several times beginning back in XX/XX/XXXX company continues to send letters without the corrected information or verification and is still reporting to my credit report as new credit. This is my second complaint about this company as they continue to use Resurgent and XXXX XXXX. It is taking a toll on my credit. I am not able to live the pursuit of liberty and happiness as I am being denied my own credit from other companies because of this company. I have sent several cease-and-desist letters certified to this company and they continue to regenerate the same letter with not feedback, and there are more dates. 
XXXX XX/XX/XXXX
Consumer complaint received 2018-12-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I Q Data International Inc dba XXXX  XXXX  has attempted to collect an alleged debt from me. I Q Data International Inc dba XXXX  XXXX   has placed negative information on my consumer reports and has caused me financial harm. I.Q Data International is not a licensed debt collector in my state ( State of Texas ) and has violated state statutes regarding debt collection.
Consumer complaint received 2021-03-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On XX/XX/2021, I sent XXXX and Equifax letters disputing inaccurate and adverse items on my credit report. There negligence has caused me harm, since it has affected my ability to obtain new credit. 
Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), they had 45 days from receipt of my letter to respond to my request for reverification of the erroneous items. Since I have not received a reply from them within 45 days, the information was either inaccurate or could not be reverified, thus according to provisions 15 USC section 1681i ( a ), the items must be deleted immediately.