davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (OH)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX XXXXXXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2021, I received an invitation from American Express to apply for the Business Platinum Card. I applied and was APPROVED for the card, Ref : XXXX. American Express always sends approved premium cards overnight however, I still didn't receive my card, it's not even showing up in the system. I called them at XXXX XXXX XXXX XXXX manytimes and all I get is ; we're working on it.
Consumer complaint received 2020-06-30
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. (AL)

I have a identity theft, and/or fraud problem. Some of my credit cards have been replaced, and score is tanking, and credit limits being reduced, and cards i did not apply for arriving, or decline letters. In an effort to see what is happening in credit file, upon advice from my banker, I can get no human on the phone at experian, and can not sign in because they say i already have an account. When I try to change the password as they request, they say they have emailed it to me, but its not coming to me. I can get no option with 9 different phone numbers to talk to a human, so I can not see what's in my report. 
There is no option to change my email address, and i can not reach anyone no matter which menu item i choose. So whatever persons email they have on file, is getting my info, and i can not reach anyone due to no option to talk with a person. its all automated. Ive been trying this for over 4 hours today alone. 
FYI this is an edit,,, at the end of this complaint you ask what name the credit report is in,,, Thats a stupid question, as my complaint is that i can't obtain the report, so how the XXXX would i know the name that have it under
Consumer complaint received 2021-06-07
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: CITIBANK, N.A. (NY)

I have the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2021-06-07
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: Experian Information Solutions Inc. (TX)

Experian should not be reporting the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This item was previously deleted from my credit report however, I just reviewed my most recent credit report and this item has reappeared. This false reporting is harming my credit score and this item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( XXXX ) Address : XXXX XXXX XXXX  ( XXXX & Experian ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX/XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Received an alert that a collection account was added to my credit file. The account stated XXXX XXXX in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. The company they state I owe is XXXX XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX to verify the debt they said there debt was valid. I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. Please remove this fraudulent account from my credit file correspondence below. Thanks.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-22
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 DISCOVERED A BANKTRUPTCY REPORTED TO ALL THREE MAJOR CREDIT BUREAUS ; XXXX, XXXX AND EXPERIAN. WHEN I TALKED TO CUSTOMER SERVICE AGENTS AT AII THREE CREDIT REPORTING REPORTING COMPANIES, THEY EMPHATICALLY STATED THAT THE XXXX BANKRUPTCY XXXX REPORTED DIRECTLY TO THE COURT. BUT I WROTE A LETTER ( XXXX ) TO ALL THREE CREDIT REPORTING COMPANIES ASKING FOR AN EXPLANATION. THEY STATED THAT THE REPORT WAS CERTIFIED BY A COMPANY. WHOM, THEY DID NOT ANSWER LEAVING ME TO ASSUME THAT THE XXXX XXXX DID INDEED REPORT DIRECTLY TO THEM. 
SO I WROTE TO THE BANKRUPTCY COURT ASKING FOR A WRITEN CLARIFICATION. THE COURT WROTE BACK THAT THEY DO NOT REPORT TO ANY CREDIT REPORTING COMPANIES. THEREFORE THE CREDIT REPORTING AGENTS VERBALLY LIED. 
WHEN I CHALLENGED EXPERIAN, XXXX AND EXPERIAN VIA THE COURTS REPLY, XXXX DELETED THE BANKRUPTCY. EXPERIAN AND XXXX HAVE REFUSED PER AN UNDISCLOSED CERTIFICATION CRITERIA AND DESPITE THE COURTS POLICY. 
I BELIEVE THE GOVERNING POLICIES SHOULD BE CONSIDERED : FCRA SECTION 611 ( 15 U.S.C.1681 ) PROCEDURE IN CASE OF DISPUTED ACCURACY FCRA XXXX
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Received an alert that a collection account was added to my credit file. The account stated XXXX XXXX in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. 
I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. 

The company they state I owe is XXXX mobile. Which was highly unusual because I am a customer with XXXX mobile and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX to verify the debt they said there debt was valid. 

I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. 

Please remove this fraudulent account from my credit file correspondence below. Thanks.
Consumer complaint received 2022-09-12
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: CCS Financial Services, Inc. (TN)

XXXX XXXX XXXX also known as XXXX fraudulently reported a debt to CCS Collections and is refusing to remove it. It started back in XXXX when XXXX was charging me an incorrect balance of {$250.00}. I called them, send emails and did chats with agents trying to get it resolved. They brushed me off for months and instead of correcting the amount due, the sent the amount of {$250.00} to CCS Collection agency. I still continued to contact XXXX until I finally got someone on the line from XXXX who truly looked into my issue and admitted that XXXX " made a mistake. '' He corrected the balance due as {$28.00}. I paid that balance and stated that if someone would have helped me and corrected this inproper charge months ago, I would have paid it. This bill would have never went to collections. Instead of helping me and correcting the error that THEY made, they first sent it over to collections in which now shows up on my credit report. They marked the debt paid or settled, but i want it removed! It was fraudulently sent by XXXX as they try to bully me to XXXX {$250.00} when I only owed {$28.00}. This is causing an incorrect reflection of me on my credit report because of XXXX XXXX greed and error. They should not be able to get away with this, and this collection should not be able to sit on my credit report for 7 years because of XXXX  insurance billing error. I have the auto policy number and any other information you may need to investigate further.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (MO)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WASHINGTON FEDERAL BANK (IL)

On XX/XX/XXXX, I tried to make two payments to XXXX on the website. The payments were successfully made five minutes from each other. However, the bank only accepted the mortgage payment of {$1200.00} and rejected the cost to the principal for {$1500.00}. I tried to pay {$1500.00} again the following day, and the bank rejected it again, saying I did not have the funds. I contacted the bank and sent them a screenshot of my balance confirming the funds in my account. But they declined to accept my payment to the principal. I called again to XXXX XXXX, and they told me to wait a week to see if the system will fix itself. today, XX/XX/XXXX, I tried again to make a mortgage payment. The online system does not disclose my XXXX account information to make an external transfer. When I enter the bank information again, the system gives me an error message saying that the account is already in the file. Today I contacted the online services. I am at the end of my loan and want to pay off my home, but XXXX is making it very difficult to block me when I see money to the principal. I want easy access to the external transfers and XXXX to follow my payment instructions. If I instruct to add money to the principal, it should go to the principal. Not to pay fees or the mortgage.
Consumer complaint received 2022-05-25
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. (NY)

in accordance with the Fair Credit Reporting act 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 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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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