davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-05-04
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. (TN)

My account With XXXX XXXX XXXX shows as a Charge off and was not paid in Full. I have submitted documentation from XXXX XXXX show account was paid in full and not a charge off but they will not update credit report.
Consumer complaint received 2023-11-27
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

I recently filed an identity theft report with XXXX   in XXXX of 2019. XXXX  is still showing collection accounts from multiple collection agencies. The collection agencies are IC system ( original creditor : XXXX XXXX XXXX XXXX ) for {$720.00}, XXXX XXXX ( original creditor : University XXXX XXXX of ) for {$78.00}, XXXX XXXXy ( original creditor : City of XXXX XXXX ) for {$840.00}, XXXX rec ( original creditor : XXXX XXXX   XXXX ) for {$710.00}, and XXXX XXXX ( original creditor : XXXX XXXX XXXX ) for {$200.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-11-27
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on XXXX  is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90 days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/XXXX.
Consumer complaint received 2019-12-30
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. (CA)

I wrote a letter to TransUnion Consumer Solutions dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. TransUnion refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that TransUnion conducted a thorough investigation because the information is not provided by the Sacramento Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to TransUnion dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate TransUnion Consumer Services so this erroneous information shall be deleted from my TransUnion credit report. 

Thank you, XXXX XXXX. XXXX
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX the recorded Beneficiary of Security Instrument XXXX will not communicate with me. I want to know if they are the true Holder of the NOTE on my property at XXXX XXXX XXXX, XXXX XXXX, CA? 

If so I would like them to grant a Power of Attorney to Select Portfolio Servicing Inc. so they can sign the property over to me in a Quit Claim Deed, therefore also granting and recording a Full Reconveyance of my mortgage under Deed of Trust APN # XXXX, Security Instrument XXXX and recorded as XXXX. 

The mortgage has been discharged, liquidated and no longer reporting to credit Bureaus. 

I am a XXXX veteran and up hold my rights as a US Citizen to have my request fulfilled without further delay or stalling.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-30
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. (CA)

I wrote a letter to Equifax Information Services LLC dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Equifax refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Equifax conducted a thorough investigation because the information is not provided by the XXXX XXXX XXXX and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Equifax dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Equifax Information Services LLC so this erroneous information shall be deleted from my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on Equifax is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90  days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/XXXX.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-11-27
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)

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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} ; XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$1300.00} ; XXXX. XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-02-11
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. (GA)

I have filed several disputes on what I believe to be inaccurate information on my Equifax credit report. I can't get into the Equifax dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. 
There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX  to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. 
This was on both on XXXX AND EQUIFAX. I file a dispute with both. XXXX cleared it off of my credit report.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: McCalla Raymer Leibert Pierce, LLC (GA)

This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (IA)

On XX/XX/XXXX, we called XXXX trying to cancel our account. They told us it was the middle of the bill cycle and they would cancel the account on XX/XX/XXXX and would not bill for the next month. We sent back the XXXX box and thought it was taken care of. The next month rolls around and they billed us. We told them to listen to the recorded call as we cancelled the account. Each person has now said they will listen to it and wipe the account to XXXX. In XXXX a supervisor said the account would be wiped to XXXX. Two days ago we received a letter from a debt collector stating we owed {$100.00} some dollars. Which is impossible if they went back to listen to the recordings that XXXX stated he would wipe the account to XXXX  as we no longer had service with them in the bill date of XX/XX/XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX