davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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: DISCOVER BANK (GA)

I was born in XX/XX/XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2018-11-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

Charging me 360 % interest, I can not afford to continue making payments to interest only which is almost half a paycheck. I have a family to support including XXXX children with XXXX XXXX, my wife is unable to work XXXX   the XXXX.
Consumer complaint received 2022-07-11
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: DISCOVER BANK (WI)

I entered my information through Discover 's SOFT approval online tool. They pulled a hard copy of my credit report. 

Text to Discover : To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XXXX. My understanding is that this was a SOFT INQUIRY based on direct mail, per all advertising. I did not authorize a hard inquiry. 
Because I did not apply for credit with Discover Financial Services, I am asking that you remove this inquiry from all three of my credit profiles. 
If you disagree with this assessment, I am requesting an investigation into Discover Financial Service to determine who authorized it fraudulently. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you can not prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2023-07-26
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: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit has sent me paperwork for this account, but they are bills/statements that show payments were made. There is no contract, no address verification, no name verification, IS or anything sent that provides that this account belongs to me. Statements do not prove that it is me. I am not aware of what account was used to make these payments or anything. 

The address and the name are slightly off as well. My middle initial is not included as reflected on my credit report and the address is missing a number. 

Again, please remove this fraudulent account from my report asap. Ive disputed this several times already. 

Thank you, XXXX
Consumer complaint received 2018-11-09
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: Experian Information Solutions Inc. (GA)

I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
Consumer complaint received 2018-11-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC (CA)

I GOT A COLLECTON NOTICE FROM NORTH STAR LOCATION SERVICES LLC BUT I DO NOT OWE THEM MONEY AND I ALREADY TOLD THE MAN ON THE PHONE TO STOP CALLING MY CELL PHONE AND HE KEEPS CALLING, I WILL SUE XXXX, XXXX, XXXX, AND NORTHSTAR AND XXXX XXXX XXXX, I ASK FOR THIS COMPANY TO STOP CALLING I DO NOT OWE THEM ANYTHING,
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX XXXX credit card I signed up in XX/XX/2023 for a special payment plan where you wont be charged no late fee no interest so my payment was XXXX paid on time every month XXXX XXXX # XXXX and she assured as long as your payment made on time there will not be a negative report! XX/XX/XXXX my pay was due XXXX I called and spoke to ms. XXXX and stated as long as you pay by the XXXX of each month youre good! XXXX I received a dig in my credit saying thirty day late and immediately called and spoke with XXXX # XXXX Manager he stated the reason why this occurs when the month is a shorter month which is XXXX and it will report late will especially if thats your cut off date for statements to close I do my best to have this removed from if you look I never been late with this XXXX since I signed upon this plan now they wont accommodate there mistake
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 information incorrect
Company: Convergent Resources, Inc. (AR)

I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Consumer complaint received 2018-11-09
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. (MN)

I had a XXXX XXXX account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX  XXXX. I contacted XXXX   XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX XXXX account.
Consumer complaint received 2022-07-11
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. (IL)

I have disputed XXXX XXXX  XXXX  with Equifax and they replied saying the account was verified. Who did Equifax verify with? because I have messages from XXXX XXXX XXXX  through the XXXX  AND CFPB stating that the account is closed in their office. Equifax is not furnish 100 % accurate information and its making me upset that they continue to break the law! ATTACHED ARE SUPPORTING DOCUMENTS.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2019-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (MN)

I moved out of my apartment ( XXXX XXXX, XXXX, NV ) on the XX/XX/XXXX. I went into the office and said ok I am ready to move out, I just need to get my mattress out of there. XXXX told me to take my time and leave the key in the drop box. I shouldn't have trusted her. I was told the rent would be prorated. They are now saying I moved out on the XX/XX/XXXX. They are charging me almost 400 $ extra for rent and XXXX $ for fees. I was first told about my extra charges in XX/XX/XXXX and I was disputing them with someone from XXXX ( not someone from the apartment ). They did not care what I had to say and hung up on me. I then tried emailing the apartment in XX/XX/XXXX. They didn't get back to me. I then got a letter from a debt collector. I tried calling them and saying that the amount was wrong and they said it didn't matter. It is now XX/XX/XXXX. I tried to dispute the debt online but there is no account set up for me on XXXX which is confusing. how am I supposed to even pay my debt? I HAVE to call them? they were rude to me on the phone before. This whole thing is unfair and a huge mess. I am getting scammed by my old apartment. 

You can check my credit card statements. which make clear that I left Nevada on the XX/XX/XXXX and came to XXXX, MN.
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc. (TX)

In XX/XX/XXXX, I broke my lease with XXXX XXXX XXXX located in XXXX, TX due to my requirement to go overseas. I provided the leasing office with my orders ( attached ) as well as my forwarding address. 3 months later, I discovered an open collection on my credit report on behalf of the apartment complex indicating that I owed {$210.00}. I called the collection agency NCC Business Service to inquire and was advised that The leasing company reported me for non payment of " fees ''. My credit report showed date of first delinquency as XX/XX/XXXX, which was not even 30 days after my move out. I had not received a single letter, notification, phone call, NOTHING. I reached out to the leasing office to no avail. I ended up just paying it because, i was afraid of my credit being adversely impacted. I knew that I had the right to dispute the validity of the debt, but was not given the opportunity. Nearly 4 years later, I'm still fighting to get that collection removed from my credit report. I discovered that because i live in Texas, i have the right to request Debt Validation under the Texas Financial Code. I had the letter ( attached ) mailed via USPS to NCC Business Service 's address that is listed on my credit report with signature confirmation on XX/XX/XXXX. They have yet to respond. As a result of them not responding within 30 days, that Texas Financial Code states that the tradeline must be removed from my credit report. I'm requesting assistance to get this matter resolved, as I have exhausted all my options. I've disputed that account countless times, with no success.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

On or about XX/XX/2022 I tried to get my reports using the www.annualcreditreport.com. 
The companies in question refused to provide me
Consumer complaint received 2023-03-22
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Went to purchase vehicle at XXXX XXXX XXXX XX/XX/XXXX and loan denied without cosigner. XXXX XXXX  refuses to clear off credit report and XXXX XXXX will not return the car, which was a lemon, and wrecked on XX/XX/XXXX. Supposed to be repaired. XXXX  wont do anything although they made me file fraud report
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NH)

I went to pay my

CITI card by phone. I have done this multiple times before. I wanted to make a one time payment. Before doing so I reviewed the terms on the statement for payments by phone. The terms were : For phone payments you authorize CITI to electronically debit your specified bank account by an ACH transaction in the amount and on such date that you indicate on the phone. YOU ALSO AUTHORIZE CITI TO AUTOMATICALLY DEBIT YOUR SPECIFIED BANK ACCOUNT EVERY MONTH, in the amount and on the same date each month you indicate on the phone until you withdraw your authorization. I called to make the payment and was routed to a automated system. One of the first things the system indicated was " you are agreeing to the payment terms on the statement. '' I hung up and
did not pay. I then called and spoke to a representative named XXXX. I

went over the terms and asked if it was correct that if I made a phone payment I would be enrolled in auto pay. She said no despite what the terms clearly state. She said I was not enrolled in auto pay and accepted a one time payment from me over the phone. At least I hope that's the case. The credit card terms should make clear that one time payments by phone can be made and not be forcing people to enr oll in autopay just because they are making a payment by phone.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On or about XX/XX/2022 I tried to get my reports using the www.annualcreditreport.com. 
The companies in question refused to provide me
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and XXXX says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report EXETER FIN reported this account but the information is completely inaccurate. I have already sent letters to XXXX about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account
Consumer complaint received 2019-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

This organization has placed a negative report on my credit. I have never heard of this organization. I have responded to their allegation of debt, found they bought this debt from yet another entity I have not heard of. 

Since I do not own any credit cards and never have, I could not have opened up such an account as is alleged. I do not sign any contract unless it is in front of me and I can sign it with my wet-ink signature. I DO NOT sign any contract electronically or online as that is not a true binding contract. 

This organization needs to show such a contract for this debt to have anything to do with me, as I am certain I never contracted as they allege.
Consumer complaint received 2023-03-22
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. (GA)

I am submitting you this CFPB Complaint to dispute the accounts on my credit file that belong to my daughter. These accounts have been incorrectly reported on my credit file and are negatively affecting my creditworthiness. I request that these accounts be removed from my credit file immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute any information on my credit report that is inaccurate or incomplete. These accounts are not mine and should not be reported on my credit file. Their presence on my credit report is a clear violation of my rights under the FCRA. These are the accounts I am requesting you to please take off of my Credit File : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX Balance : {$39000.00}. I have taken steps to verify that these accounts belong to my daughter. Therefore, I am requesting that the credit bureaus investigate these accounts and remove them from my credit file as soon as possible.
Consumer complaint received 2019-09-01
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: Equidata, Inc. (TX)

XXXX XXXX XXXX XXXX reported an item that was against my fcra violation removed and put back on that was paid in full. my driver license was stolen not aware of the charges to the best of my knowledge XXXX violation XXXX XXXX XXXX XXXX XXXX harassed and threating me suiting me threating me see attach documents
Consumer complaint received 2018-11-07
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: EQUIFAX, INC. (CA)

On Monday XX/XX/XXXX XXXX  did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.