davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

I have been receiving calls from Midland credit for the past couple of weeks and I will put the number into a scam call detector and it says its a scam, but even after I block the number they still reach out to me from a different number. So I called them back today and they gave me the wrong name when they addressed me. The man said his name was XXXX XXXX, but he would not give that to me until I asked him multiple times, and asked why I needed his name when I first asked. He said he thought my name was XXXX, which is incorrect and I believe this is a scam because I am young and I have never even opened a credit card account so I dont understand how I would have any debts when Ive barely even bought anything.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have multiple charges from XXXX XXXX XXXX and XXXX XXXX for game charges on my cell phone that total {$180.00} from XX/XX/2019 through XX/XX/2019 that are fraudulent charges and a {$26.00} charge for XXXX that was a fake website that I reported to the FTC and the police department because I ordered two items from that website and never got it and learned it was a fake website. 
I notified American Express Serve of the charges beginning in XX/XX/2019 and multiple times thereafter. When I first contacted Serve about the XXXX charges she immediately wanted to cancel my card and i refused because my government social security payment was due to be deposited via direct deposit in two days and I have financial obligations. I was told that if I didn't agree then the charges would stay and I had no choice. I again reported additional charges in XXXX and XXXX in XXXX and made a complaint and Serve failed to initiate an investigation. I called again in XXXX and was told that they would not reimburse me or do anything about any of the charges further back than 60 days and of course the bulk of the charges were the first two times I contacted Serve about it. On XX/XX/2019 Serve cancelled my card and took the complaint and I heard nothing for a month so I called them back and asked what the problem was. I was told that I did not sign the fraud form declaration and that is because i never received it so they had closed out my complaint. I was upset and they said they would start a new one and I said no. They emailed me another link to the fraud form and I filled it out and could not upload it to their site. I contacted them again, now keep in mind every time I call these people it takes an hour to get through it. It's ridiculous and none of them are American and hard to understand and you have to repeat yourself and your information to everyone you talk to repeatedly its annoying as XXXX and very irritating and time consuming. I wasn't able to upload the documents so I called them back and they put me through the whole nine yards just to speak with the fraud department to tell them I couldn't upload the documents and needed an email address. Every one of them told me they don't have email. Really? Then how the XXXX did they email me the fraud form link in the first place about 25 times? They gave me a fax number and I don't have a fax machine so I had to go find one and I faxed it not once but three different times because they kept saying they didn't get it. 
Then I got sick with XXXX and went to the hospital for three days. As soon as I changed my card and got a new one all the fraud charges stopped. Serve acknowledges that and yet they denied my claim for the charges that are fraudulent which is absolutely ridiculous and they still are saying because they didn't get the fraud form. No email give me a break.
Consumer complaint received 2019-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

I have filed several disputes with XXXX XXXX and XXXX this has been paid in full and settled on XX/XX/2024 Resurgent/LVNV Funding LLC/XXXX  states it take 30 to update with the credit reporting agencies. This unacceptable!!! As a consumer I shouldnt have to wait 30 days to have my credit reports updated.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute several negative items that appear on my credit report. After reviewing my report, I found several inaccuracies regarding the following accounts : XXXX XXXX XXXX : This account is listed as a late payment. However, I have never missed a payment on this account. I request that this error be corrected immediately. 

XXXX XXXX : This account is listed as a charge-off, but I have no knowledge of this account. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXXXXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX  XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX  XXXX : This account is listed as a charge-off, but I have never had an account with XXXX  XXXX XXXX XXXX I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX. Furthermore, the original creditor is listed as " XXXX XXXX XXXX XXXX  XXXX XXXX, '' which I have never heard of. I request that you investigate this matter and provide me with more information on this account. 

XXXX XXXX  XXXX XXXX : This account is listed as a collection account, but I have never had any business with XXXX XXXX  XXXX or the original creditor, XXXX XXXX XXXX. I request that you investigate this matter and provide me with more information on this account. 

I believe that these items have been mistakenly reported, and they are harming my credit score. I am requesting that you investigate these items and take appropriate actions to correct these errors. As per my rights under the Fair Credit Reporting Act, I expect that you will respond to this letter within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-24
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. (FL)

id theft victim. These accounts do not belong to me. Please remove them from my report asap. 

XXXX XXXX. I have never had an account with XXXX or had a credit card with them Account number XXXX balance XXXX XXXX XXXX I dont have an account with XXXX XXXX Account number XXXX balance XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NY)

Upgrade access a copy of my XXXX consumer report without my authorization. I never gave authorization for upgrade to access my XXXX consumer report. I sent a notice of dispute for unauthorized credit inquiry through mail as well.
Consumer complaint received 2023-02-25
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$670.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ;
Consumer complaint received 2023-01-22
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: GOLDMAN SACHS BANK USA (CA)

I have been a victim of identity theft, I was XXXX  from XX/XX/22 to XX/XX/22 My bank account at XXXX bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX  and filed a police report, I have provided all the documents and they are still giving me a hard time. 
XXXX bank XXXX XXXX card XXXX XXXX card XXXX  XXXX  Just to name a few
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

I was using my account normally, I made a deposit via cash & check. All my funds cleared and have been held by for over a month. My account has been frozen and walked into the branch multiple times to just close it and called every number but they've done nothing and at this point I feel like I've been robbed of {$270000.00}
Consumer complaint received 2019-12-02
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)

The credit card company is reporting erroneous information on my credit report. The address is incorrect, the account information and account history is incorrect and this incorrect and inaccurate information is severely affecting me and my ability to obtain credit.
Consumer complaint received 2022-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

On XX/XX/22 I filed my first XXXX  application under XXXX  which was the loan servicer I had selected after being informed I was required to consolidate all of my loans in order to qualify for the XXXX. XXXX of these loans is currently in a borrower defense application that is also being ignored and according to the the XXXX XXXX XXXX falls under the XXXX XXXX dispute and should have been absolved, but has yet to have been taken care of. I was instructed by studentaid.gov that the loan even after consolidation can still be seen and resolved so I followed their instructions. XXXX sold my loan to Mohela and they removed my initial application for XXXX. I filed again on XX/XX/22 they cancelled it with no reasoning and long customer service waits and multiple emails with no responses I finally was told it was missing employment certification, which it is not. I was then told to send employment verification again separately just in case and was walked through how to do that. They deleted that document. I refiled again XX/XX/22 They marked that as duplicate and once again I was told to submit employment verification which is showing as still processing as of XX/XX/22. I have called XXXX  times and emailed and been given multiple different responses along the lines of not received, still processing, and we don't accept that method of verification. Yet nothing has moved forward. I did receive a letter at one point that appears to have processed the application but does not list ANY of my payment history there are XXXX  years of payment history missing.
Consumer complaint received 2022-10-13
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. (NJ)

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 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 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.
Consumer complaint received 2023-02-25
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-21
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. (FL)

I recieving emails from the bureaus rfusing my dispute letters I sending this letters to let know that i'm the one who sent out my letters. Please take time to review and investigate the following account below. i want them delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
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. (NV)

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 : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$29000.00} Account : XXXX XXXX accounts XXXX XXXX XXXX XXXX Account : XXXX XXXX I Originally creditor XXXX XXXX Balance {$230.00} 15 USC 1681 section 602 A. states I have a 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 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 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.
Consumer complaint received 2023-02-25
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. (PA)

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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX # XXXX  XXXX 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 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 2023-01-22
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: WELLS FARGO & COMPANY (CA)

I have been a victim of identity theft, I was XXXX  from XX/XX/22 to XX/XX/22 My bank account at XXXX bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of incarceration and filed a police report, I have provided all the documents and they are still giving me a hard time. 
XXXX bank XXXX XXXX card XXXX XXXX card XXXX XXXX XXXX to name a few
Consumer complaint received 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

I've disputed this alleged debt several times, and I've filed a previous CFPB complaint in reference to this matter, please help me! This company continues to report on my credit even though they've never sent me any of the documentation I've requested from them or the credit bureaus! I don't know what this debt is or why it's on my credit reports and ERC has never ever verified the account to me, please help me!
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (OH)

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : National Credit Systems Account Date : XX/XX/ You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you