davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AZ)

I reached out to XXXX to dispute information on my credit report from National Credit Systems Inc from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an XXXX  on XX/XX/XXXX with the XXXX XXXX Justice court and got a judgement for {$710.00} Case # XXXX. I was on XXXX  XXXX XXXX, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

Palm terrace then submits a report to National Credit Systems on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX Justice Court when they XXXX  me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX  XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.
Consumer complaint received 2023-01-30
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. (NY)

Despite multiple written requests, the unverified account listed below continueS to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NJ)

Specialized Loan Servicing, we were told on XXXX that we could payoff our Mortgage via phone in the amount of {$830.00} by XXXX. He informed us that since it was under {$1000.00} we could do the transaction over phone. Confirmation # XXXX. 
On XXXX we received a call from XXXX to inform us that they made a mistake and paid our XXXX taxes. For the next 7 months we contacted company over and over to rectify the error and they kept asking for more money than we owed. Interest & late fees. 
On XXXX we sent a letter to Dispute Department and copied CFO, CEO, COO, CRO, CIO, PRESIDENT AND CLO. Response received saying they did not make mistake.

They have posted 6 late payments on our credit reports.
Consumer complaint received 2020-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX. I just received an attempt to collect a debt from American Express. I have never authorized this debt with American Express and I have never received any type of communication related to this fraudulent account as well. Therefore, I am filing this complaint to get further assistance from the Consumer Financial Protection Bureau. I hope the matter can be amicably settled.
Consumer complaint received 2020-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I had two accounts approximately 14 years ago by 2 different companies. They are off of my credit report and have been for quite a while now. I received 2 notices from midland credit management attempting to collect these very old, out of statute debts. My wife called because the letters are also in violation of the FDCPA as there is no disclaimer stating due to the age of the debt they can not sue, and there are also false representations in the letter as it's asking for payment but gives no information on how to dispute said debt. I have never made any payments on these debts since they went delinquent over a decade ago and when I asked for proof, the rep on the phone stated she didn't have that evidence. All she said was the statute isn't up until XXXX, but these accounts were opened circa XXXX and XXXX and went delinquent within the same year. I have not heard from anyone trying to collect for these debts in over a decade.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion , XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (WV)

On XX/XX/XXXX, I submitted a wire transfer of {$5000.00} and a fee of {$25.00} with my bank XXXX XXXXXXXX XXXX. Attached, you will find supporting documentation. The wire transfer was promised to go through in 3-5 business days at the latest. The bank said the transfer would be completed by the end of the day. 
The money was supposed to be transferred to my Binance account. 
My Binance user ID is XXXX. 
I did receive a transaction notice on my account that the wire transfer for {$5000.00} was pending at XXXX on the same day. However, since then I have not seen the money added to my account. 
I have contacted Binance support and have only received one response back on XX/XX/XXXX asking if the issue was resolved. I promptly responded the same day and have not, to this date of XX/XX/XXXX, received a reply or a solution to the problem. 
I also attempted to have my bank recall the funds because of missed opportunity, however that action was not successful.
Consumer complaint received 2021-09-29
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: TRANSWORLD SYSTEMS INC (FL)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2022-06-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TN)

I applied for a apartment and the leasing office told me i had a debt from an apartment.Which i never even had an apartment before .Therfor that was untrue.I checked my credit report an dsee the national credit system said i owed {$2200.00} to XXXX XXXX XXXX. i never stayed there before.Someone stole my idendity and had got an apartment in my name. This needs to be removed from my credit profile.
Consumer complaint received 2021-04-04
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (TX)

I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the 1800 customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was 18, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.
Consumer complaint received 2020-08-28
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$590.00} XXXX/XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$740.00}
Consumer complaint received 2020-08-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I have been contacted about an account that is over 4 years old. They threatened to sue and garnish wages and even contacted my employer and friend. 
On XX/XX/XXXX a locator contacted me and left a voicemail about a case against me for supposed fraud and breach of contract for XXXX XXXX XXXX. After not being able to reach me, this same locator XXXX XXXX contacted my job and a friend of mine telling them to contact me. After receiving voicemails from the 3 of  them, I contacted XXXX to determine what the issue was. The agent said it is in reference to a XXXX XXXX account ( that had been closed since XXXX ) and prompted collection of the alleged amount owed or I would have to appear in court. After doing my due diligence to find the account on my credit report, it shows the cash central account was indeed closed and listed {$0.00} as a balance. However, this company is claiming I owe {$1200.00}. A complete validation letter has not been given to me. The collection account is not on my credit report and the collection agency did not have my address on file or gender correct in the correspondence I did receive. This company seems like a scam. I almost fell into the trap before researching SC 's statute of limitations laws and looking into my credit file. The " validation '' letter they emailed me clearly does not even contain all of the required information. Even after sending them cease and desist letters In XXXX via email and postal mail they continue to contact my relatives in an effort to reach me.
Consumer complaint received 2020-08-28
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. (OH)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT EDXXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}
Consumer complaint received 2022-12-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

They also took well over 30 days to investigate and respond to my written disputes within 30 days which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for Transunion ( Delivered on XX/XX/2022 ) is XXXX. My certified Experian ( Delivered on XX/XX/2022 ) tracking number is XXXX and my XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00}
Consumer complaint received 2020-08-28
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT EDXXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}
Consumer complaint received 2020-08-28
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX   XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$590.00} XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXXXXXX {$740.00}
Consumer complaint received 2020-08-28
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. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (RI)

In reference to my Previous complain file XX/XX/2022. Its been More than 30 days since i filed a complaint disputing the following accounts XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

further more i wasn't notified within 5 business days that my dispute was being investigated. According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 2 ) ( A ) states thatThe consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I now Demand for the above accounts to be removed from my credit report as fast as possible