davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC. (TX)

I received correspondence from Midland Credit Management on XXXX, XXXX, XXXX regarding an alleged debt from XXXX XXXX XXXX. I also received a call and threat from an agent of the MCM Organization on XX/XX/2021 which I recorded for my record. He threatened to have this alleged account furnished on my credit report. I informed the agent that his threats were in violation of federal law pursuant 15 USC 1692d Harassment and Abuse. I also informed the agent that pursuant to 18 USC 8 that ALL Obligations or other security is the responsibility of the United States. Furthermore, this consumer credit falls under the Truth In Lending Act 15 USC 1602. Pursuant to 15 USC 1605 ( 1 ) the finance charge includes the sum of all charges including interest. In Conclusion there are billing errors in the correspondences that were sent to me by MCM Pursuant to 15 USC 1666 ( b ) Billing Errors. I have sent MCM a Cease and Desist, sworn Affidavit of Truth with Exhibits, and an Invoice totaling each individual action.
Consumer complaint received 2021-05-19
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: Mountain Run Solutions, LLC (NY)

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2020-07-09
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: EQUIFAX, INC. (GA)

I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.
Consumer complaint received 2024-01-19
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. (MI)

I am writing to bring to your attention certain inaccuracies in my credit report that require prompt correction. I have identified discrepancies in the reported addresses, names, and employers that do not accurately reflect my credit history. I request your assistance in updating or deleting the following information : Addresses : I request the removal of any addresses on my credit report that are not associated with the following addressXXXX XXXX XXXX, XXXX, MI XXXX Names : Please ensure that my name is accurately reported as " XXXX XXXX XXXX XXXX Remove any variations or misspellings of my name that may be present on my credit report. 

Employers : Remove any references to employers that are not accurate. Specifically, I request the removal of employers associated with " XXXX '' and " XXXX. '' I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and seek correction of inaccurate information on my credit report. I kindly request a thorough investigation into these matters and prompt action to correct the inaccuracies. 

Please provide me with a written response detailing the results of your investigation and the actions taken to update or delete the inaccurate information. I trust that your agency will adhere to the provisions of the FCRA to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.
Consumer complaint received 2024-01-19
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-02
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: PNC Bank N.A. (MI)

I am writing to dispute the debt that PNC Bank is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, PNC Bank is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that PNC Bank immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from PNC Bank regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (MI)

[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that XXXX piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, Experian, and XXXX, by failing to review all relevant information provided by XXXX, Experian, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXX 's assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with Experian, XXXX, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter 4 years ago this had been resolved. I spoke to the company XXXX XXXX who stated they notified XXXXXXXX XXXX I paid them in full so fiancing was not needed. I spoke at XXXX who gave me the reference number sent XX/XX/21 reference # XXXX XXXXo XXXX stating there was no debt due and to close it. I called them and was told by management my records were deleted due to charge off. I had them removed from my credit over 3 years ago after I proved to XXXX there was no debt. Now 4 years later they are still harassing me and are now suing me for a debt that does not exist. I still have all receipts made to XXXX and XXXX has emailed them to me as well
Consumer complaint received 2024-01-19
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. (KY)

I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with XXXX, XXXX, and Experian and no resolution. I have disputed this account directly with the creditor, XXXX XXXX and no resolution.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (TX)

I was checking my consumer report and I saw a lot of credit inquiry that i do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

2. I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX XXXX 01 XXXX XXXX 01 XXXX XXXX XXXX XXXX 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I sent {$700.00} to XXXX XXXX XXXX on XX/XX/XXXX. They confirmed it had arrived on XX/XX/XXXX. Coinbase claims they can not find the {$700.00} and has not credited my account or sent the money back and it has been 53 days.
Consumer complaint received 2018-03-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (FL)

False Advertising complaint against XXXX XXXX. They consistently advertise VA Mortgage Loans as {$0.00} Downpayment without providing details of who actually pays the lender closing costs and prepaid items ( insurance, tax escrows ). You must submit all of your information and then have the explanation provided by a Realtor that they refer the lead, who pays a portion of their commission to XXXX XXXX, which may be a separate issue regarding Lender Rebate programs. 
The VA Mortgage product is at best a 100 % financing option ( based on the Veterans Entitlement and loan amount chosen ) with Closing Costs typically paid by the Seller in negotiated concessions in the sales contract. Lenders may also build these costs into their rate but based on XXXX XXXX published terms that does not appear to be the case.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MO)

I have several complaints against the bureau has previously contacted you on your fax machines are non-functioning including your owbudsman. All bureaus listed have had refused all requests with auto responses for the past 10 years I am currently being extorted due to my credit due to the way the bureau 's have mistreated me and a lot of other companies to extort me over Dad 's I'm not legally obligated to pay or not in full dispute because they refuse to do what is right by the consumer and what is legal.
Consumer complaint received 2018-03-14
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. (TX)

Wrong amounts inflated to XXXX a collection agency scam reported it without the creditor 's permission. The credit reporter company did not remove it after a dispute was filed.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX are consumer reporting agencies I am the consumer. I have the right to make sure my private information is not shared which is back by 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

The U.S. Department of Education notified me that my application for Borrower Defense to Repayments discharge of my loans has been approved and that I will receive full relief. Discharging 100 % of the loans, as a result the loans have no remaining balance.

According to The Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
The Family Educational Rights and Privacy Act 20 U.S. Code 1232g ( b ) states No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (WI)

This is a phone debt for my mother in law for XXXX. She passed away on XX/XX/2022. We attempted to contact them to close out the phone & settle up the bill. We needed a PIN before they could talk to us, which we had no clue what it was. They said they would need to mail us the info that we would need to provide before they could do anything. We let them know that there is an 'autopay ' that is being paid to them & that it needs to stop b/c that account had been closed. It was pulled b/c we didn't know the PIN. We were charged a {$25.00} returned payment fee. 

The final bill came for {$88.00}. Being that we owed {$63.00} for her existing service, we paid it but did NOT include the {$25.00} charge. We tried calling them to have them reverse the fee b/c the charge came in well after she had passed away, but we were told 'it 's a computer-generated fee ' & refused to waive it. We paid the {$63.00} only. 

For one, this is not our debt. Two, they charged {$25.00} for a deceased account when we had tried to clean up everything & wouldn't work with us, even though we had the XXXX XXXX. Three, it was for a returned check fee & they even though they can see how everything went down, refuse to waive it.