davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

Received an alert on my credit report that a collection flagged my credit report. The collection agency name is " Jefferson Capital System ''. I called them and was told that this debt was a mobile account for XXXX XXXX. I made the collection company aware that I have never had an account with XXXX XXXX and that I was the victim of identity theft and that this account was opened fraudulently in my name using my personal information. I also asked the collection agency ( Jefferson Capital Systems ) When this account was opened and the address. They were unable to give me this information because they stated they had no information. I asked them to mail all the information they had to me, and to reframe from contacting me. I also informed them to delete this immediately due to fraud. The collection agent stated she would make a note in her records. I have had the same mobile company for over 14 years. I have never had an account with XXXX XXXX
Consumer complaint received 2023-07-19
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (TX)

Years ago I got cell service from XXXX and unfortunately the service didn't work in my office space in am industrial complex AND the phones started falling apart. I cancelled service around the two week mark after porting my number and gave the phone back. This company is pursuing money for services and products not rendered by XXXX. Its a fake debt. Its also way past the statue of limitations set by Texas. Clear it or not I'm not giving money to someone for receiving nothing.
Consumer complaint received 2023-07-19
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 XXXX 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 XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Over 30 days ago, I sent letters regarding inaccurate and unknown things on my credit report. Up until this point, I haven't received any word or feedback from the consumer reporting agencies on the status of my disputes or complaints. I feel like I'm being ignored and my disputes are being taken lightly. In section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. My name is XXXX XXXX. Any variation of my name besides that is not me and I demand it be deleted from my consumer report. The address that I live at is XXXX XXXX XXXX Any variation of that address that says otherwise is not correct and shall be removed from my consumer report.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Over 30 days ago, I sent letters regarding inaccurate and unknown things on my credit report. Up until this point, I haven't received any word or feedback from the consumer reporting agencies on the status of my disputes or complaints. I feel like I'm being ignored and my disputes are being taken lightly. In section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. It has been over 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. My name is XXXX XXXX. Any variation of my name besides that is not me and I demand it be deleted from my consumer report. The address that I live at is XXXX XXXX XXXX Any variation of that address that says otherwise is not correct and shall be removed from my consumer report.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-04-17
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My information was sold and bought illegally because i was a victim of the Equifax Data Breach.I want these items Deleted from my Credit Reports effective immediatelly.I am attaching Proof that Equifax has admitted that i was in fact a victim of this Data Breach and Equifax has done nothing.Please help me Delete these illegall accounts from my credit report.And if they dont get Deleted it i will proceed with a Law Sue immediately.Im attaching all accounts to be Deleted Below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also i want all Hard Inquiries Deleted from XXXX, Equifax, XXXX from XX/XX/XXXX XXXX XX/XX/XXXX immidiately.Also i want only in all 3 Credit Reports this information Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Im not retired please removed that from all reports.I work full time. 
THATS THE ONLY INFORMATION I WANT ON MY REPORTS DELETE ALL OTHER INFORMATION IMMIDIATELY.
Consumer complaint received 2023-07-19
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)

I am submitting this CFPB complaint to formally dispute the accuracy of the information contained in my credit report, specifically regarding the account information associated with XXXX After reviewing my credit report, I have discovered several inaccuracies that require immediate attention and correction. The discrepancies I would like to address pertain to the following details associated with the account : Payment Status : According to my credit report, the payment status of the account is reported as " late. '' However, I have always made my payments to XXXX on time. It is highly misleading and damaging to my credit history to have inaccurate late payment information reported. Please investigate and correct the account : XXXX XXXX Balance : {$270.00}. I would appreciate the Credit Bureaus ' immediate attention to this matter, as it is of utmost importance to me. It is crucial that the Credit Bureaus adjust the late payments from this account to reflect the accurate payment history that I have maintained.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, My name is XXXX XXXX and I am writing because I was a victim of a XXXX XXXX fraud from a scammer that i met on XXXX. I have been dealing with a person who claimed to be XXXX XXXX who was in the military in XXXX and he had a daughter in XXXX school. At first everything was going good until he started asking me for money. I felt funny about sending this person money since I never met him but he said he would be getting money back and he would pay me. I did several different transactions that varied over time through bitcoin in XXXX XXXX as well as sending him different prepaid cards. I lost over a few XXXX dollars because of me being so naive. He said he had a daughter that was in school and she was having financial issues, which I tried to help. From this situation I helped him cash a check that he said was part of his money from the military. They took my name and it was sent to me through XXXX the very next day. I had a feeling in my stomach that something was wrong but this person knew all the right words to say and when to say it. At the time the bank was closed so I deposited the check in my checking account not thinking anything was wrong because he was in the military protecting our country. Then I got word that the check was fraudulent and I couldn't believe what had happened to me. This is things that you read in the newspaper or watch on movies. You never think it could happen to you until it do. If I would have known that the check was no good ( fraudulent ), I wouldnt have deposited it in my account because I dont need all of the problems that I'm dealing with now. I am a single mom and I was targeted. They knew my information and my where abouts like they were reasearching me. I would do anything i can to make this right. I reported it to the Federal Trade Commission and also to the XXXX XXXX for impersonation of a military personnel. I have lost everything because of this stupid mistake. I have also tried to dispute it with XXXX and XXXX  but they won't listen to me. I am not a criminal and I don't know what to do so I can clear my name. I can't look myself in the mirror because these people really dis make a fool of me. Can you please look at all of the information that I am sending you about how I was scammed from being a certain person and turning out to be a whole group of other people to gain access to money that they dont have, so I can be removed from XXXX XXXX because I need to be able to get an account so I can cash my checks and pay my bills? I would have never done anything like this if I knew this is what they were doing. Please let me know what I need to do in order to get a clean record on XXXX. I appreciate any help with this matter. 
Thank you
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

I had an XXXX balance on my Discover Card. I decided to pay it off completely. As soon as I did that they froze the card and asked me for my XXXX  documents. And then froze my card for XXXX XXXX.
Consumer complaint received 2023-12-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (GA)

1st conversation, XX/XX/XXXX, XXXX received a message from XXXX XXXX. Called number XXXX. Spoke with a person. He told me the purpose to collect a debt from a Check & Go pay day loan account opened on XX/XX/XXXX. Account was closed on XX/XX/XXXX. The amount borrowed was {$500.00}. Due to interest, I now owed {$1400.00}. Tried to get me to settle. Told the person I did not open an account with XXXX XXXX XXXX for {$500.00} - he knew the last 4 of my social, my address, continued to tell me letters had been mailed ( which I never received ). Told him I wanted to dispute the debt as I am fastidious about my credit and this was not on my credit report, and that I had been monitoring my credit heavily since XXXX. He was not happy however he complied. 

2nd conversation,. XX/XX/XXXX, XXXX Received a Robocall XXXX from XXXX, this time claiming to be XXXX XXXX XXXX and my ref number was XXXX. To discuss the matter, I should call XXXX, When I called, the woman who answered, XXXX XXXX, if that is her name, did not state the company name. I explained I was responding to a XXXX and before I could finish, she asked me the phone number associated with the account, which I gave to her. She proceeded to tell me, very forcefully, that I was in violation of not paying a debt with Check & GO ( proceeded to list all their company names ), made by me with XXXX XXXX, formerly of my previous address, now at my new address ( she had all the details ) and how when I got the loan, I did make a few payments but stopped and now I owed a ridiculous amount. That I had paid my loan down to {$750.00} but I declined a settlement on the previous call. Told me that XXXX letters had been mailed- which I've not received - and that it was up to ME to pay my debts, not the debt collector to keep up with payments. Tried to tell her I checked with XXXX XXXXXXXX XXXX, she interrupted me and continued to say that XXXX had signed off, she had an affidavit and that I would be served. I could not get a word in, she kept interrupting me, when I would try to speak, she would yell over me and finally I asked if this conversation was being recorded. She said, yes and it will be played back in front of the judge in XXXX XXXX court. I said, good then he/she will be able to hear how unhelpful you are ... and then I hung up. She then called me back from another phone line - XXXX - and told me that I would be served papers and my wages garnished on my voicemail. All of the numbers used by this company appear as XXXX XXXX XXXX  ' when I do a XXXX search. The last number used with a XXXX area code, does not come up with any information, including public business information.This person was rude, threatening, and used bully tactics to try and convince me to pay a debt that is not mine. I have checked again my credit report and I have XXXX record regarding XXXX, XXXX XXXX Check & Go.
Consumer complaint received 2023-04-11
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-19
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
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. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XXXX PORTFOLIO RECOVERY ASSOCIATES LLC sent a debt collection of {$700.00} that was dated back XXXX from a XXXX  XXXX and it was charged off XXXX. Im reporting this account as fraud because my brother has used my name in several attempts to receive credit cards for financial gain in my name. For I have no knowledge of this account and I'm also attaching a official document from his XXXX  XXXX that he has been using my name with a FBI number that's listed on the document .and I have also re-enter a fraud alert with XXXX XXXX with this matter
Consumer complaint received 2023-07-19
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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)

I am writing to formally dispute accounts which has been reported by XXXX XXXX and XXXX XXXX XXXX to consumer reporting agencies. This dispute is rooted in the evident violations of the following sections of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681e ( b ). The FCRA, under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), expressly defines that a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded from the consumer report. Despite this unequivocal provision, it has come to my attention that the accounts has been reported in my consumer credit report by XXXX XXXX  and XXXX XXXX XXXX. Please view attached documents along with this compliant. Proper Identification is included and attached with this complaint also. I demand a prompt response and notification of the accounts being deleted across all consumer reporting agencies reporting this adverse information.