davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 
Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2023-01-20
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. (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

There is a Macy 's account showing on my XXXX and XXXX credit report dated XX/XX/2014, for XXXX I don't know how this debt can show on my report exceeding 7 years. I've reached out to the company and they show no debt in my name yet it is on my credit report. I've tried to dispute this on XXXX and nothing has been accomplished. This debt is hindering my credit.
Consumer complaint received 2023-01-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

am writing this letter to request that you remove the following accounts listed below due to multiple late payments and inaccurate information reported, which is a clear violation of my rights and has had a detrimental impact on my credit score, significantly decreasing my chances of being approved for homes and credit. I request these accounts be deleted within four days of receiving this per 15 U.S.C 1681 c-2. Ive disputed these accounts several times, and they continually came back as verified with inaccurate information, violating 15 U.S.C 1681i. 



XXXX XXXX Experian states the date opened on this account was on XXXX XXXX but XXXX reported the date opened as XXXX XXXX ; Experian also shows that the date last active on this account as XXXX XXXX but yet XXXX reported the date last active on XXXX XXXX. Experian is reporting the date of last payment as XXXX XXXX while XXXX reported date of last payment as XXXX. Lastly Experian is reporting a date of last payment on XXXX XXXX but reporting a charge off for XXXX in the payment history. 

XXXX XXXX Experian is reporting the Date Last Active as XXXX XXXX while XXXX XXXX last active XXXX XXXX and XXXX reported it as XXXX XXXX ; Experian reported the Date Last paid on XXXX but reported the account as 30 days late on XXXX in the payment history. Experians payment history is reporting this account as charged off from dates XXXX through XXXX, while XXXX payment history is reporting paid as agreed from the dates XXXX to XXXX. 

XXXX XXXX Experian reported the date last active on XXXX XXXX when XXXX reported the date last active on XXXX XXXX ; Experian reported the Date of Last Payment on XXXX XXXX XXXX XXXX Experian reported the Date Last Active on XXXX XXXX but XXXX reported the Date Last Active on XXXX XXXX. Experians payment history is reporting the account as charged of on dates XXXX and XXXX but reporting the account as paid as agreed on XXXX for the dates XXXX and XXXX Please remove these inquiries listed I have no knowledge nor did I authorize a pull from these companies XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Please accounts 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 : States A consumer reporting agency can not furnish an Account without my written consent 15 U.S.C 1666B : States A creditor Can not treat a payment under a credit card account, Under an open in consumer credit plan as late for any purpose. Please delete these accounts immediately this has detrimentally impacted my fico score.
Consumer complaint received 2019-07-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roycroft Management (CA)

This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is Central Mediation Services. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX,, NY XXXX, ( XXXX ) XXXX. On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with Mr. XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such communications. ( I had requested that Mr. XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2. Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by  local law ) The creditor The creditors attorney The debt collectors attorney ( Mr. XXXX told my business partner the specific details of my debt ) 3. A  debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. ( I received 4 missed phone calls from Mr. XXXX in a 10 minute period from XXXX XXXX MT XXXX XXXX  MT ) 4. 
Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( Mr. XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )
Consumer complaint received 2023-01-20
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. (VA)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false, inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting. 
agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOWS : EXPERIAN IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( 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 ( b ) Reasonable procedures it is the purpose of this subchapter 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 subchapter
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (TN)

XXXX is reporting I have student loan account with them and I don't never heard of them nor have I done any business with them. 

XXXX XXXX is reporting an account that I don't have with them and no documentation has been provided that I owe any debt nor do they have any signed documentation proving I am the owner of this account. 

XXXX is reporting an account that is not mine and I have contacted them about this in the past but nothing is being done about it. 

XXXX is reporting an account that is not mine and I have sent them Identity then documents clearly stating this account was not mine but they refused to do anything about it.
Consumer complaint received 2023-01-20
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

My account was closed due to claims I made to be reimbursed for fraudulent activity on my account. Over the XXXX years I banked with Wells Fargo Ive dealt with money coming out of my account unauthorized, Multiple Fees that came out more than once per month, purchases that didnt match what was actually spent etc.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (MO)

This Debt was already on my credit record since 2014 and was removed two - three months ago, now they have added it back on. Since it has been more than 6 years for them to collect and was removed previously I do not owe it and it needs to come off my credit report. Thank you
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

An account was fraudulently opened with XXXX  by an identity thief and the debt was turned over to Ad Astra debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.
Consumer complaint received 2023-01-20
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)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX CO XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NH)

Company called 4 times in one day. I did inform the individual that I XXXX there ins a limit to the calls allowed.per day and week. I was told by the woman they can call when they want and stop being a deadbeat I before I get fired and arrested.then received a call again did not answer and a message was left. This was on XX/XX/23. I then received a letter from the company about the debt stating I need to respond before XX/XX/23. I am responding as the debt is about a rental lease that XXXX XXXX had violated and I moved because they failed to repair and provide a safe entry door to my unit as well as a neighbor smoking XXXX even though al leases state no smoking including XXXX and cigarettes. They also refused to stop loud music in violation of the lease agreement. I have a daughter who is XXXX  and it caused great emotional stress to her. These are the violations form XXXX XXXX which forced me to move prior to my lease ending.
Consumer complaint received 2020-05-10
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. (VA)

Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-01-22
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)

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, those 2 accounts Were sent to collections which means it is illegal for Equifax to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (NJ)

RMP LLC I am writing to dispute a medical collection that has been placed with RMP LLCy on my credit report. I am requesting an itemized bill for the charges in question, as well as any additional information that may be relevant to this dispute. 

I understand that medical billing can be complex and errors may occur. As a medical billing advocate, I would like to work with you to resolve this issue and ensure that the charges are accurate and fair. 

In order to assist me in this process, I am requesting that you provide me with an itemized bill that shows the charges for each service provided, including the date of service, the codes used, and the fees associated with each code. I would also appreciate any additional information that may be relevant to this dispute, such as proof of insurance coverage or payment.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

Money was taken out of my account by a scammer. Money was taken from my account via XXXX to XXXX. I don't even have XXXX.my bank would not refund the charges and said there's nothing they can do.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a walmart credit card account which is in collection the problem is the amount is wrong and also the dates are wrong. please delete this account. 
plus i want proof of ownership of this debt via of a written contract signed by me if you can not provide proof you must delete this account by law.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (IN)

I have previously attempted to resolve this with a complaint through the CFPB. However, the resolution by the bank did not address the whole situation. The initial complaint involved KeyBank 's refusal to allow take over of my deceased mother 's loan and the release of her deposit accounts. The loan issue has been resolved, but I am still fighting to get my mother 's deposit accounts released so that I can settle her estate. 

My mother passed away XX/XX/21. I filed a small estate affidavit with KeyBank on XX/XX/21. The bank sent it to their legal department. I was contacted eventually saying they were sending it to collections. I was then contacted saying that they could not release the deposit accounts because there was a HELOC in my mother 's name also. The HELOC is not secured by the deposit accounts. 

I filed a complaint on XX/XX/21. I finally received a " response '' on XX/XX/21. The response did not indicate that KeyBank would release the deposit accounts to me. I attempted to contact their complaint department to inquire about them, but I could not reach anyone who would talk with me. I was finally able to speak with a person on XX/XX/21. My information was taken and I was told I would receive a call back. On XX/XX/21, I called them back and was able to speak with a person about my issues. I asked about an estimated time frame for resolution, and I was told that she could not provide one. But she promised it would be " less excruciating '' than my other issue and that she would stress the urgency of getting this resolved. I heard nothing back. I eventually called again on XX/XX/21 and I was told by the person who answered the phone that the person working to resolve my issue was " working diligently '' and I would receive a " written response '' as soon as it was taken care of. As of XX/XX/21, I still do not have any answers, no one will speak with me personally to provide answers, nor do I have access to my mother 's deposit accounts to pay her creditors and their mounting late fees and finance charges.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.