davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (MS)

I submitted disputes with XXXX, Experian, and XXXX as well as a complaint with the CFPB about charge off accounts listed on my credit reports. Each of these companies responded that those accounts were verified. Reporting these accounts are violating my federal rights because charge off accounts should reflect a {$0.00} balance. Furthermore, there is no way that these accounts are are verified to belong to me. Please provide me the method of validation that was used to determine that this information is factual.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (TX)

This keep calling me and calling To pay off this debt I tried to get information and they XXXX pressured me pay it off and I dont even know what this if for my ex husband took stuff out in my name and I never ever have had my Own phone service I haven always been with my mom
Consumer complaint received 2024-10-10
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. (PA)

The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors on numerous occasions to request debt validation as well as a signed purchase agreement to show full ownership of the accounts and I have yet to be provided with any of that information from wither creditor. The creditors and the amounts reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would also like for the following inquiries to be removed due to them being unauthorized and fraudulent. The inquiries are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Rating : XXXX XXXX XXXX  Account Status : Open Open Open Account Type : Installment Installment Installment Balance Owed : {$24000.00} {$24000.00} {$24000.00} Closed Date XXXX XXXX XXXX XXXX Credit Limit : XXXX XXXX XXXX Creditor Remarks XXXX XXXX  CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE XXXX Creditor Type : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Reported XXXX XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$37000.00} {$37000.00} {$37000.00} Last Payment XXXX XXXX XXXX XXXX  Last Verified : XXXX XXXX XXXXXXXX Past Due Amount : XXXX XXXX XXXX  Payment Amount : {$640.00} {$640.00} {$640.00} Payment Frequency : XXXX XXXX XXXX  Payment Status : XXXX XXXX XXXX Term Length : XXXX XXXX XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : XXXX XXXXXXXX XXXX Account Status : Open Open Open Account Type XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} {$14.00} {$14.00} Closed Date XXXX XXXX XXXX XXXX  Credit Limit : XXXX XXXX XXXX Creditor Remarks XXXX XXXX CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE -- Creditor Type XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXXXXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$5100.00} {$5100.00} {$5100.00} Last Payment XXXX XXXX XXXX XXXX  Last Verified : XXXX XXXX XXXX  Past Due Amount XXXX XXXX XXXX XXXX  Payment Amount : {$29.00} {$14.00} {$14.00} Payment Frequency XXXX XXXX XXXX XXXX Payment Status : XXXX XXXX XXXX Term Length XXXX XXXX XXXX XXXX  Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status : Closed Closed Closed Account Type : Installment Installment Installment Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date XXXX XXXX XXXX XXXX  Credit Limit XXXX XXXX XXXX XXXX Creditor Remarks XXXX XXXX XXXX XXXX XXXX XXXX   CHARGED OFF ACCOUNT Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/year> Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXX, AR XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
1. 
XXXX XXXX XXXX XXXX Account Number : XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. medicalseollectionsintetetphone pitession to my credit file. 
Thank You, XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

CFPB, Experian has violated my rights under the FCRA. When I filed a complaint about this address that I never resided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Did not give oral or written consent for my personal information, and credit report to be shared.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
CB/VICSCRT XXXX CB/VICSCRT XXXX
Consumer complaint received 2024-08-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I filed a dispute with Money Network on XX/XX/year>. {$930.00} was transferred out of my account to an account that I do not own. 

My dispute was denied because my funds were supposedly transferred into an account under my name. 

I told them that I pulled my credit report and I didnt have any other accounts under my name and social security number, so how would they deny it? Of course they did not have an answer. 

After doing some research, I found that there are hundreds of people reporting the same exact experiences online - their money is stolen, they file a dispute, the dispute is denied because it went to an account under their name, they appeal it, and the appeal is denied for lack of information. 

How is it that there are so many people experiencing the same situations with this company?
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing to formally dispute a late fee and negative mark on my credit card account. On XX/XX/XXXX, I was informed that my account had been flagged for a late payment that too through third party credit company through their XXXX notifications. This was the first time I have ever experienced such an issue with this account. I did not receive any prior notification via call or email regarding this matter. My account is set up for automatic payments, and I was surprised to learn that the payment was marked as late despite this arrangement. 

If they would just made a call or text or email ; I would have made sure to pay my amounts. 

Upon receiving this notification, I immediately contacted bank and offered to pay the full amount due. However, they declined to remove the late fee and the negative mark on my account. Given that this was a one-time occurrence, I believe this penalty is unjustified, particularly since I did not receive any prior notice and have a history of timely payments. 

I kindly request that the CFPB intervene to have this late fee and negative mark removed from my account, as it has caused undue stress and is not reflective of my typical payment behavior. 

Thank you for your attention to this matter. I look forward to a resolution that rectifies this situation.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX has been reporting the account as Unpaid up to the date with an open balance of {$490.00}, I created disputes thru XXXX and XXXX on XX/XX/XXXX, both disputes were declined and marked as completed saying the unpaid balance is accurate, I was advised to contact the company, which I did on XX/XX/XXXX and XX/XX/XXXX, I was told by the agents that my account was not being report to the XXXX XXXX and the original creditor might be reporting it ( CAPITAL ONE BANK USA N.A. ), they also provided me with the letter about my account being already settled and showing a {$0.00} balance thru email, because the physical letter was sent to me in XXXX, I also inquired with XXXX about the reporting entity, they confirmed the reporting part was XXXX XXXX XXXX. the debt was settled and paid on XX/XX/XXXX, the letter about the settlement being paid is dated as XX/XX/XXXX but in XXXX, the copy sent to my email in XXXX is dated as XX/XX/XXXX.
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

IC systems Inc. is the debt collector Original creditor XXXX XXXX {$4400.00} amount Posted to experian credit report on XX/XX/year> This account is a result of identity theft. 

This account was posted to XXXX and XXXX XXXX XXXX years ago, which I disputed as identity theft and those were removed immediately.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-19
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. (NY)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-19
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. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and XXXX have removed this fraudulent account from my credit report. I am confused why Transunion is yet to remove it. I will be filing a claim for negligence if this account isnt removed.
Consumer complaint received 2023-11-21
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX