davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :
Consumer complaint received 2019-11-21
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. (TX)

This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with XXXX, nor do I owe them any money.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (NC)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MD)

My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :
Consumer complaint received 2019-07-27
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)

Upon checking my credit for the first time in years there were many Fraudulent accounts and inquiries that I didnt recognize and accounts that I didnt open as well as wrong name and addresses on my reports! I sent certified letters and FTC report about identity theft/fraud. I have sent many certified letters and called XXXX XXXX XXXX asking for all statements and documents on this account that is on my report.They keep reporting without providing and validating me the information that shows that this account belongs to me with my signature as well as every document with payments, purchases any and ALL information they have on this account! I have sent them FTC report and they are required to give me all documents with signatures and payments and statements but they have not done so! Each time I have called and disputed many times they change the date just to change something and Damaging my credit without proper validation that this is my account! I want the proof that they have provided this fraudulent debt to FDCA and FRCAs! Theyre reporting inaccurate information to XXXX, Experian!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to bring to your attention a matter of significant concern regarding my credit report. Upon a recent review, I discovered what appears to be a fraudulent account listed on my credit report, which I believe has been opened without my knowledge or authorization.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2021-11-12
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. (GA)

XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2019-07-27
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. (WA)

Ive reached out to transunion via mail, I sent certified and notarized letters on three different occasions, I sent my fourth round of letters XX/XX/2019. Im requesting that they provide proof of numerous unverified accounts and late payments they are reporting and they continue respond and say its verified but they have failed to provide proof to support their investigation, per FCRA they are required to have signed documents/verifiable proof. I am demanding they conduct a real investigation and not use XXXX.
Consumer complaint received 2019-07-27
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-05-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-08-30
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: HCFS Healthcare Financial Services of TeamHealth (AL)

THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have XXXX different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a cero balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (FL)

I have XXXX different accounts that I already paid in full in order to be removed from my credit report and the account still shows in my credit report as a cero balance. I need those accounts removed from my credit report. now I am trying to buy a house and these accounts that are paid still show as a negative item.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I am filing complaint regarding Equifax Information Services LLC 's failure in handling my request to remove information from my Equifax credit file related to human trafficking. Despite submitting valid documentation in accordance with federal law, including a Victims Determination Letter from a recognized NGO ; Victims Self Attestation identifying the adverse items of information needing to be blocked along with a governmental issued drivers license, Equifax has failed to resolve the matter. Equifax 's actions violate 12 CFR 1022.142 ( e ) of the Fair Credit Reporting Act, which require consumer reporting agencies to block adverse information within XXXX business days from receipt of submission.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (AL)

yes I was told by the unemployment office that I would receive {$220.00} a week for unemployment benefit. I have been filing every Sunday since XXXX, and was approved for my money. I have been waiting for XXXX months now, and yet to receive my Alabama unemployment prepaid card in the mail, My family is struggling and really need this please someone read this. And can hopefully help me with my situation.
Consumer complaint received 2019-11-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mediation Recovery Center (TX)

I filed chapter XXXX bankruptcy in XX/XX/2015 and the debt to XXXX was included in this. I have spoken to XXXX and they are aware of this, but the secondary company obtained the information and has been harassing me the past two years. They call me, my husband, and my elderly parents. They state I have committed " bank fraud '' and have " bad check debt '' that I owe. I have told the company, which identified itself as " Mediation Recovery Center, XXXX. Phone : ( XXXX ) XXXX '' in an email I recieved yesterday, about the bankruptcy. They state it does not matter and start threatening me with litigation and arrest. In the email my account representative was listed as XXXX XXXX, but today on the phone I spoke with one man ( with many names ). The last name he provided was XXXX. He said he could see where I had talked to someone before, and I said yes, re my bankruptcy. And he started on his tirade. I informed him I reported them to the XXXX, and was also going to do the same to FTC as I was tired of just blocking their calls. He said to make sure I tell them the correct business name and said " Mediation Account Recovery '', which is NOT their business name. At least not as reported on the email. So I do not really know who I am speaking too, which is what causes the issue with blocking them as well as filing a harrassment suit against them.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

I moved into a property and renting a room in XXXX. I signed a release to do a background check on you look for landlord. I moved out in XX/XX/XXXX. The guy that I was renting the room from stayed until XX/XX/XXXX. I get a bill from the landlord stating I owe {$4700.00} for damages and cleaning he sent it to collections and I notify collections that I was not on the lease and I was not responsible for the bill especially not the entire bill. Collections placed it on my credit report with the erroneous information and the entire amount. I want the information my credit report removed and replaced on the correct person credit report
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-12-16
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)

This is the XXXX time I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL 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
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (PA)

On XX/XX/22 I noticed a hard inquiry on my credit report from Avant bank. I did not request to open any account with them. I called Avant and told them the situation and they said an affidavit would come via email from their fraud department. The email never came and I have tried contacting them via phone and they just keep hanging up on me.
Consumer complaint received 2022-05-18
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. (MS)

I did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 1.XXXX  XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (PA)

Hi, This is is 3rd Notice regarding alleged debt, in past one i offered {$150.00} for one time payment as settlement just morally, not financial obligation so i'm asking collection agnecy for verification and resualt of disputed letter from creditor if the beleived i owe this alleged debt and still want collect the other amount instead of {$150.00} so incase not accepted my offer of {$150.00} and trying intentioally keep this alleged debt for lil while to collect interest or late fee so i can send all receipt to Pennsylvania Attorney General 's Office of Consumer Protection to determine that i didn't owe anything
Consumer complaint received 2022-12-16
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. (NC)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

It's says I applied for Chase Bank card!! I never did & I have a hard inquiry on my credit report & I never applied for anything!! It also stating I have a new XXXX! I never owned a car & I don't have a car!!! This is fraud!!!