davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

The debt collector did not conduct an appropriate investigation when I disputed the debt. The invoice for carpet replacement precedes my tenancy in the apartment in question by XXXX years ( as indicated on my lease, which the company has ). The invoice is from XX/XX/XXXX and I resided in the unit from XX/XX/XXXX to XX/XX/XXXX. The original creditors, XXXX XXXX XXXX has never provided any proof of damages other than the invoice which is not from my tenancy. Also but, XXXX was aware that the amount they submitted to collections would have been incorrect even if the debt were legitimate, but they sent it anyway. The original bill submitted to me included a pro-ration credit of 6 months, but the carpet was 23 months old at the time I moved out. They also had differing stories as to the nature of the damages and attempts to clean or not clean it and refused to furnish any proof of damages to me. Even if the debt were valid, the pro-rated amount in incorrect by a material amount and anyone with a XXXX grade ability to do fractions could see that blatant error, meaning that A ) they knowingly tried to collect a debt that was not mine as the repair invoice did not correspond to the period of my tenancy nor after it and B ) they knowingly reported an incorrect amount to the credit bureaus as they were made aware of the material pro-ration error. Additionally, the collection 's agency refused to return my calls or to allow me to speak with anyone to address these errors. This debt is from a previous tenant and that is why they do not have a current invoice.
Consumer complaint received 2023-03-24
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$83000.00}
Consumer complaint received 2023-01-04
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - 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 instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible
Consumer complaint received 2023-03-24
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXXXXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Dear Transworld, I am writing to formally notify you that your attempts to collect a debt from me are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question is beyond the statute of limitations, does not belong to me, and furthermore, there are discrepancies with the account information that you have provided. In addition, the last name associated with the account, XXXX, is incorrect. My last name is actually XXXX. 
Upon reviewing my credit report, I noticed that the account in question was allegedly opened on XX/XX/XXXX. However, the documentation that you have provided to me shows that the account statement dates back to XX/XX/XXXX to XX/XX/XXXX. This discrepancy constitutes a clear violation of the FCRA. 
As you are no doubt aware, the FCRA requires that all information on a credit report be accurate and up-to-date. This includes the date of account opening, the dates of any associated account statements, and the correct name of the debtor. Your continued attempts to collect this debt and the associated inaccurate information constitute a clear violation of these laws. 
I hereby request that you immediately cease all attempts to collect this debt and remove it from my account. Failure to do so may result in legal action to protect my rights under the FDCPA and FCRA. I urge you to take this matter seriously and act accordingly to avoid any unnecessary legal troubles. 
Please provide written confirmation that you have received this letter and that you have taken the appropriate steps to remove the debt, associated inaccurate information, and the incorrect name from my account. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Codes : Fair Debt Collection Practices Act : 15 USC 1692 et seq.

Fair Credit Reporting Act : 15 USC 1681 et seq.
Consumer complaint received 2023-03-24
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. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-10-07
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. (IL)

Back in XXXX I had to declare XXXX XXXX XXXX due to a XXXX XXXX  This put a real strain on my life not being able to get credit especially during the time when covid hit the us. I new the risk I was taking but for 8 years my credit has been outstanding. This negative mark reflected on all three credit reports XXXX, XXXX, and Experian. Recently I contacted each credit reporting agency and the only ones that that removed that negative mark was XXXX and XXXX. They listened as I explained my situation and granted my request to remove this negative mark off my credit report. I also contacted your business ( Experian ) the person I spoke with didnt want to even hear what I wanted to say. He was so rude that I ended the conversation with him. I know there are rules that follow but during these times after 8 years of good credit this should be removed. Please Im trying to get my life back on track
Consumer complaint received 2022-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California store opened a business credit card for me without my permission. He did not inform me that he would run my credit to open such a credit card. I went to the bank to open a checking account for my new business. He ended up run my credit and opened a credit card for me. 

When I told him that what you did was wrong and you behavior caused trouble for me in obtaining the mortgage, he said that BOA would not blame him for anything, and he also said that " you deserve it ''. 

I made several complaints to BOA. The banker was correct. He did not get punished for any of his wrongdoings. BOA called me and provided a fake number to call back. It never worked. Called for dozens of times. BOA does not want to face the problem or to give me an answer. I have been a customer in BOA for seven years. This experience was disappointing and unacceptable.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 2023-03-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (MO)

On Approx XX/XX/XXXX, I sent NCB MANAGEMENT SERVICES INC, A request for validation made pursuant to the ( FDCPA ), 15 U.S.C sub section 1692 ( G ) Section 809 ( B ). for the account in question. This request letter was received XX/XX/XXXX, via Certified mailing # XXXX XXXX XXXX XXXX XXXX postal service as third-party witness by NCB management Services INC. NCB INC, has exhausted the statues and limitations on the administrative process and good faith doctrine. The debt has not been proven that I am legally obligated to pay therefore, it is fraud and identify theft. NCB MANAGEMENT SERVICES INC does not have my consent to trade my personal property/information Via Privacy act 1974. 
I reserve my rights UCC 1-308.
Consumer complaint received 2023-03-24
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX TXXXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired onJan XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXXUInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired onXXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX
Consumer complaint received 2023-03-24
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. (MI)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo continues to allow debit card transactions to be processed even though my account is in the negative and I keep my debit card locked when there's no funds in the account. Furthermore, the manner in which they post transactions is too confusing for consumers to understand which transactions have already been covered by my deposits and which ones are still pending to be charged a fee given their Confusing " extra day grace period ". I have a multitude of recurring bills and I work two jobs and I am unable to keep track of all the recurring payments but I should be able to trust the bank not be predatory. If my account is already negative and my card is locked, why do they continue to allow debit card transactions to go through? Just so they can rack up on {$35.00} fees. They charged me 5 {$35.00} overdraft fees in the last 7 days. It would have been more if I had not disputed some of the transactions. I shouldn't have to be monitoring my account this closely given my account was negative and card was locked!
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

As I said, before I open my checking account in XX/XX/XXXX and may be eight months later Wellsfargo close my account saying that I had some type of fraudulent disposition in my account I appealed it and you all will send him back asking me about the check nobody never said nothing to me about no check me disclose my account and in XXXX they open my account sent me a letter to open my account {$500.00} I was XXXX XXXX XXXX then Im XXXX XXXX XXXX now Ive been with you all for nine years. You all just denied my claim asking me about the check! It was never A Check! Wellsfargo! Just Closed! you are never said nothing about no check! you know why you are close my account in XXXX like I said you are sent me a measley! ( {$500.00} )! 
That was not enough conversation and over the years since Ive been with you all this overdraft this overdraft is really terribly in the last year so I should be paid. I just had a situation where a somebody I didnt give permission and they told me! They were giving me {$190.00}! But I Only Received! ( {$130.00} ) Im A XXXX Citizen! XXXX Yrs XXXX Social Security! XXXX total ( {$930.00} ) Youve just denied me because you say something about a chick you are never said nothing about a check to say fraudulent activity close the account a year later gave me a measly {$500.00} and the last two years you are probably from overdraft.! Owes Me! XXXX knows how much.! 
I want to be compensated for the year that you all close my account saying something about some fraudulent. No I dont have no check to show you because you didnt ask me for now. Check you just close my account and for my overdraft so I should be compensated.At Least! ( {$2500.00} )! 
I should have been hearing back from you all on XX/XX/XXXX, but two weeks though you are denied it say, asked in about a check it wasnt about a check up you close my account for fraudulent activity youve been overdraft me! Lots If ( {$35.00} )! and messing up my money for! Last ( 18 ) Months! 
Overdraft Fees! I should be compensated for you all close in my checking account dont ask me but no check because all you all day it will see it fraudulent activity and the overdraft so I will continue to complain until I am compensated. Thank you.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
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)

I am concerned about identity theft. I do not recognize these enquiries, neither did I authorize them. They are fraudulent enquiries and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX