davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (TX)

Company claims i owe money for returning new phones within the allowed return time. I returned them the day after i received them and let the company know i was returning them. I was told there would not be any charges or fees for returning them within the proper return time. The limit was within 14 days. I was within that time because i returned them the next day. I talked to a number of people and told me everything was ok. Later i get a bill for XXXX. I would definitely pay it but i feel the company is not holding up to their return policy. I am very disappointed with them.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2022-05-06
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: Bread Financial Holdings, Inc. (OR)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CONSUMER PORTFOLIO SVC XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-05-06
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX Accounts - XXXX. ) XXXX XXXX XXXX XXXX. - ACCT # XXXX - AMOUNT- {$1300.00} XXXX. ) XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$300.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$14000.00} XXXX Accounts XXXX XXXX XXXX XXXX POSSIBLE FINANCIAL - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$11000.00} Equifax Accounts XXXX XXXX. ) XXXX XXXX XXXX XXXX AMOUNT - {$200.00} XXXX. ) XXXX ACCOUNT XXXX XXXX - XXXXXXXX XXXX  - AMOUNT - {$300.00} In accordance with the Fair Credit Reporting act, The listed accounts above have 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 2022-05-06
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX Accounts - XXXX. ) XXXX XXXX XXXX XXXX. - ACCT # XXXX - AMOUNT- {$1300.00} XXXX. ) XXXX XXXX XXXX - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX  - AMOUNT {$300.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$14000.00} TransUnion Accounts XXXX XXXX XXXX XXXX POSSIBLE FINANCIAL - ACCT # XXXX - AMOUNT - {$250.00} XXXX. ) XXXX XXXX XXXX - ACCT. # XXXX - AMOUNT- {$11000.00} XXXX Accounts XXXX XXXX. ) XXXX XXXX XXXX XXXX  AMOUNT - {$200.00} XXXX. ) XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX - AMOUNT - {$300.00} In accordance with the Fair Credit Reporting act, The listed accounts above have 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 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is failing to comply with FCRA Sections XXXX and is also in breach of Sections XXXX & XXXX for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I lost my job in XX/XX/XXXX because of Covid 19, my employer lowered my pay rate and stopped my medical insurance and got a new job but this job doesn't pay me as much as the older one but I do get Medical insurance and in the future I will be making more money than my old job ... ... .I had a balloon payment on my 2nd mortgage and I tried to refinance with the lender Mr.Cooper but since I'm also going through a divorce I have to refinance on my own and I did not qualify for the refinance, my options that I did not know about were told to me by the lender a week ago, but now is too late because my balloon payment matured on XX/XX/XXXX and they say I missed the date to do a forbearance because of Covid 19, with a forbearance I could've more time to pay off more of my debt and also get another raise at my present job and now I'm been force to sell my American dream home... ..I don't think is fair that the lender withhold that information from me. 
I tried to refinance with other companies but I only got a lock rate that I can't use if I don't get a co-signer or if I have XXXX dollars in the bank by XX/XX/XXXX
Consumer complaint received 2020-11-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America reported a debt owed on my credit report of XXXX. I was Never given any written notice as to how this amount came about. This dropped my credit score. 

Since I only have a mortgage with Bank of America Im assuming the amount has something to do with my mortgage. My mortgage is not past due. 

I Never received a past due notice or a late notice or a pay by this date notice??? 

But yet they reported this on my credit report.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

I disputed an account with XXXX which is listed as open and a balance and in collections this account was included and discharged in a chapter XXXX bankruptcy this account should be listed with a XXXX balance and closed because of this bankruptcy. they corrected the XXXX other accounts listed incorrectly but did not fix this XXXX now I request it to be corrected or deleted as any attempt to collect this is in violation of federal bankruptcy law and I will petition the court to seek sanctions if I need to. I have attached the creditor list and discharge paper showing they were listed in the ch XXXX
Consumer complaint received 2021-11-06
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)

XXXX XXXX and Equifax have my files merged with a similar person but with a completely different SS #. I have been in contact with the creditors that are reporting on my report that aren't mine. Thats how I know this. I submitted a request to remove these items. It came back as " verified as yours ''. I sent a second letter demanding that they manually verify not use E-Oscar to make sure the items would get taken care of. They responded that my request had all ready been done and these were considered " frivolous requests and if I had proof these weren't my accounts submit it ''. I cant submit something that doesn't exist in my name and SS # the creditors say they aren't doing this the credit bureaus have it mixed up. I then sent a demand letter giving them 15 days to submit proof of my signature, contracts, anything to show they actually follow thorough with my request. crickets... .litterally crickets... Nothing back its been 45 days I have the certified letters showing it was delivered. Its causing me hard to not be able to buy a house. I need help.
Consumer complaint received 2023-03-16
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. (NV)

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$310.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2021-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TX)

World finance has 2 loans for me reporting on my credit. I paid both last and off. I got the first loan and paid it off then I got a 2nd years later and paid that one. But it's showing on there system I owe for 2 loans that's not true at all.
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2021-11-06
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. (GA)

There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ; Bal : {$640.00} - XXXX XXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX - ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - ( XXXX ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. 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 are being investigated by the FTC.
Consumer complaint received 2022-05-06
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. 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 are being investigated by the FTC.
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XXXX XXXX, 2015, I was served papers from Portfolio Recovery Associates , LLC assignee of XXXX XXXX. RE : XXXX XXXX XXXX. Please see previous complaints. They were filing a claim that I owed them funds in the amount {$3600.00}. My court date was XXXX/XXXX/2015. I pulled transactions page from my previous complaints that was provided by XXXX XXXX XXXX. This showed exact charges that were given to me by the original name of company. I also, counter sued this company stating that I over paid on this account. I showed up to court. However, Portfolio Recovery Associates , LLC assignee of XXXX XXXX ( name changed from XXXX XXXX XXXX ) Their claim was dismissed. However, they now have a judgment to pay me the over payment of {$2200.00}. I am filing this complaint because I am unable to contact this company by phone or by mail to get them to pay money that I overpaid and was reviewed by a judge. The numbers provided do not send me to any person that can help me in this manner. 
I would also like to include copies of this judgment against this company in hopes that I might retain over payment sum of XXXX. 

Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IA)

MY DISCOVER CARD WAS CHARGED FOR 2 CHARGES ONE ON XX/XX/XXXX FROM A XXXX   XXXX XXXX FOR XXXX AND THEN IN XX/XX/XXXX FOR INTERNATIONAL TRAVEL FOR XXXX I CALLED DISCOVER TO REPORT FRAUD ON BOTH CHARGES AND THEY NEVER GAVE ME MY MONEY BACK. I NEVER DID BUSINESS WITH THESE SAID COMPANIES AND I NEVER AUTHORIZED ANY OF THESE CHARGES. PLEASE HELP ME GET MY MONEY BACK PLEASE. THEY ARE ACCUSING ME OF MAKING THESE CHARGES AND I DID NOT AT ALL. PLEASE HELP ME
Consumer complaint received 2022-05-06
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2020-11-10
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: FC HoldCo LLC (FL)

I have a credit inquiry from Flagship Credit from XX/XX/2020. 
I have had no prior knowledge of this credit agency nor any prior contact. 
Ive tried to contact the company by calling the number listed on their website. I was unable to speak to a real person. The automated system kept asking for my account number or my social security number. I dont even know this company to give them my social. 
This is not a credit inquiry made by myself. I want this inquiry removed from my report. As this had brought down my credit score.