davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc. (SC)

This debt was just listed on my credit report as " XXXX XXXX XXXX '' and does not give an origination date of debt or what type of debt it is. The date reported on my credit is XX/XX/2021 and is listed twice with both amounts listed as {$1900.00}. Please note specific date of debt and accurate amounts. Also, please identify the type of debt that this is. This is a debt from XXXX XXXX XXXX in which the wrong insurance information was used by the hospital, therefore the owed debt falls on me.
Consumer complaint received 2022-06-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Compattia Roccia Management Group, LLC (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX  and what actions s/he has taken in relation to this account.
Consumer complaint received 2022-06-03
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)

I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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. (MI)

I sent my letter off on XX/XX/2022, telling them that they are reporting inaccurate information on my credit report and asked them to verify and delete inaccurate information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX The Credit Bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal. They also violated my rights under 15 USC 1681 States everything has to be 100 % accurate on my report. 
15 USC 1681 SECTION 602 A. States I have the right to privacy. 

15USC 1681 SECTION 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (IL)

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Consumer complaint received 2022-06-02
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. (PA)

In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (VA)

American Express has a feature called " Plan It '' by where they allow you to select certain charges and get a fixed monthly amount to pay. They offer a calculator to show you what you COULD get as a plan term. But no way to actually see what your plan would be based on the information they already have about your account. 

This calculator is deceptive. If someone goes in it and says they are going to make a {$4000.00} purchase and it shows only 24 months as an option and a monthly payment of {$160.00}, they may think that is reasonable for them to pay and go make the purchase. 

Then turn around to creating a plan, and that same person with no other changes to their account could only get offered a 3 month term to pay it off. Meaning {$1300.00} a month. That is far higher than they expected based on the calculator. 

American Express will vehemently defend this saying their calculator clearly says it is only for appearance and your actual terms will vary based on XXXX data. Which, is just a way for them to wiggle out of responsibility in being fair and transparent. They are luring people into making a purchase and then switching the options on them. This is a classic bait and switch scheme, no questions asked.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Consumer complaint received 2022-06-02
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 — Investigation took more than 30 days
Company: DISCOVER BANK (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-06-02
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 — Investigation took more than 30 days
Company: Unlimited Progress Corp (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NJ)

This is a bill generated because the XXXX XXXX company said that my XXXX  did not give them the test results or do the correct paperwork so I am being charged for the monitor, that was returned in XXXX.
Consumer complaint received 2018-11-08
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. (TX)

I have disputed the late payments XXXX XXXX XXXX account with the credit bureau . I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-06-02
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. (PA)

In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-02
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. (PA)

In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been sending multiple letters to this company over periods of time disputing unauthorized inquiries. This company has failed to send me proof that I authorized them.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have initiated and investigation with XXXX Sheriffs Office and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
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. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-02
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. (OH)

The bureau has made this process extremely difficult to remove these unauthorized inquiries from my report. I submitted an FTC report with my indetification and proof of address. 

I submitted the inquires that were fraudulent as well with dates. 
XXXXXXXX XXXX XXXXXX/XX/22 XXXXXXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (AL)

I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO.
Consumer complaint received 2023-06-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but XXXX  XXXX and equifax has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my XXXX  account.
Consumer complaint received 2022-06-02
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: HUNTINGTON NATIONAL BANK, THE (FL)

The bank doing the below and actively trying to steal my money 1- When I make payment against the principal they always reverse it and go to some suspension and it will show in my account and count against the loan balance unless I spend hours in the phone wit them 2- The bank make it so hard for me to make payment against the loan balance, when they notice I have been regular payment online again the loan balance they stop the option for me to make the payment online, the only option now to make payment against the loan balance which they make me wait an hour to make the payment and they do not even process the payment
Consumer complaint received 2022-06-03
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 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-03
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. (PA)

In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IN)

I keep getting false credit reports on my account from places I have never heard about they tell me I have debt that I do not owe from places I dont even live at. I keep having repeated credit reports on my account that fall off after a fake dispute then they come right back on my account months later with a different agency. Mind you they do not call me they do not leave any messages I get no mail. This is identity theft or someone with my name. I just want this taken care of. CBE agency group charging me for {$2300.00} for and account I opened 2 days ago. Which I never have opened anything.
Consumer complaint received 2022-06-03
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. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2022-06-03
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 Account # XXXX, Account # XXXX, Account # XXXX, Account # 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.