davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NY)

I am writing to demand the immediate removal of the erroneous and fraudulent collection account listed under National Credit Systems Inc. XXXX XXXX XXXX XXXX XXXX from my credit report. This collection account is wholly inaccurate, and I do not owe any such debt. 

Additionally, this collection activity is in direct violation of 15 U.S.C. 1692c, which protects my rights under the Fair Debt Collection Practices Act ( FDCPA ). This debt, which I do not owe, has been reported without proper validation and constitutes a serious violation of federal law. 

As per this letter, I am sending you a formal Cease and Desist demand. You are to immediately remove this derogatory item from my credit report, cease any further collection attempts, and refrain from any further unauthorized and unlawful reporting of this debt. Failure to comply with this request will leave me no choice but to pursue legal action, including filing a lawsuit against XXXX and any other involved parties for violations of my rights under federal law. 

Please be advised that this is your final opportunity to correct this matter. If this inaccurate information is not deleted from my credit report within the next 15 days, I will not hesitate to proceed with the necessary legal steps, including seeking damages for the harm this has caused to my financial reputation. 

I expect immediate action on this matter. Please confirm in writing that the account has been removed and that you will not engage in any further violations of my rights.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have reported Portfolio Recovery to the FTC, XXXX XXXX  and the 3 credit Bureaus for fraud. They represented themselves as XXXX XXXX when they are in fact not XXXX XXXX. 

Also, the balance listed as owed varies between the 3 credit bureaus. XXXX and XXXX has a balance as {$300.00} whereas XXXX has a balance of {$300.00} listed on my report. None of the amounts are valid and I need them removed from all 3 credit Bureaus effective immediately. 

When I spoke to a representative at Portfolio Recovery to inquire about the debt and ask for proof the response I received was " the debt is yours if we say it's yours ''. It has been months without proof of debt and I refuse to have any further contact with this company as they are now exhibiting bully-like behavior and are proving it on my credit report.
Consumer complaint received 2024-10-06
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. (GA)

On about XX/XX/year> my account was charge for a check transaction in the amount of XXXX dollars I contact the bank about this fraudulent charge to my account. Someone wrote a check from my account that I was unaware of and did not have any checks from this account for XXXX to be written out from this is very confusing. They told me that my funds should be back in my account within XXXX business days. It is now XX/XX/XXXX I have yet to receive my funds. This is very inconvenient for me. I have bills that need to be paid. They said XXXX days, this is getting very frustrating can someone please help me retrieve my funds. Thank you so much in advance.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

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 all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX AT & T Universal Citicard texted me about a XXXX charge for {$15.00}. I contacted the company as directed to verify that charge was not mine. They closed the account & advised they would be sending another card. Citicard did not provide the account number to me but advised it is on the web account. 
On XX/XX/XXXX I signed onto my account and discovered two XXXX charges on XX/XX/XXXX : {$120.00} & {$75.00}. Immediately contacted the company to advise the charges were not mine. When the account was due I paid the valid charges on the account as advised by the customer service representative. 
On the XXXX statement these charges still appear & when I called, I was told that the customer service rep submitted it as a dispute instead of a fraudulent charge. XXXX responded to the dispute as a valid charge to my credit card number. ( At this point need to interject that I do NOT have a XXXX account ). 
When the bill arrived, I called & discussed at length with the cc department who then transferred me to Fraud Department then to the Security Operation department. Thought that all was understood and trusted that they would do as they outlined ... provide the credit to the account. 
The new card was not activated and NOT used. AT & T continued charging interest and late fees despite my continued calls & their assurance that corrections were in the works. This resulted in my credit rating change which distressed me so I made minimum payments to stop the harassing text messages and phone calls. 
At this point your intersection would be appreciated as I have called, written and been promised resolution. I have been a Citicard holder since XXXX with several accounts which are paid in full each month.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I am submitting this complaint regarding LexisNexis for reporting false and inaccurate information on my credit report, which they claim has been " verified. '' This information is incorrect and has resulted from fraud and identity theft. 

When I attempted to dispute this information, LexisNexis refused to process my dispute, stating that they were unable to verify my identity. Despite providing the necessary information to support my identity and dispute, they continue to uphold the incorrect data without properly investigating or resolving the issue. 

As a result of LexisNexiss failure to accurately verify my information and their refusal to allow me to dispute the erroneous records, I am suffering from significant harm to my creditworthiness. This situation has caused me distress, and I am seeking immediate action to correct this matter. 

I respectfully request that the CFPB take appropriate measures to ensure that LexisNexis investigates and removes the fraudulent information from my credit report. Additionally, I request that they improve their dispute resolution process so that individuals affected by identity theft and fraud can have a fair opportunity to correct their credit reports.
Consumer complaint received 2023-04-19
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. (LA)

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (TX)

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 2024-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to get a loan for a house and they told I couldnt get a loan unless I paid off the previous loan, I let them know I didnt take out any loan. I contacted my credit company, and they sent me a copy of my credit report which shows an account that was open by XXXX XXXX who is my nephews mother. ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The company is Credit Corp Solutions. Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!
Consumer complaint received 2024-10-06
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

My XXXX 's account was transferred from XXXX XXXX to Citibank. Citibank is denying online access to my account because is currently in a repayment plan. They told me the only way to pay in my account is through the phone, store, or regular mail. These forms of payments are the least secure and more prone to fraud. I have asked for my account number to send a payment via my bank ; however, that was also refused. I have requested to speak to a supervisor, which has also been refused. Citibank is denying me secure access to my account and a secure/safe way to make a payment. Additionally, they are denying me customer service.
Consumer complaint received 2024-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Got sued for XXXX dollars for a debt I knew nothing about nor made a payment on they call me constantly Ive asked them to stop. 
Company is portfolio Recovery. 
Went to court in court asked them to not contact me except by mail and still receiving phone calls and saying you will call us back and make a payment. Also keep hitting my credit report repeatedly
Consumer complaint received 2024-08-31
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX has declined my request to remove outdated addresses from my credit report which are : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX And I wish to add my current address which is : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

Recently I looked at a copy of my Credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Exeter Finance LLC report wrong information to credits buries : XXXX, XXXX and XXXX, there are some discrepancies between those reports, and I need accuracy in my reports. If it is impossible for you to clarify this account please remove it from my consumer report, thanks!
Consumer complaint received 2024-10-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DFC Global Corp. (LA)

This debt was sold to a debt buyer which this account was open on XX/XX/year> I have reached out to this company requesting information that I own this alleged account i have not gotten ant updates now I am being harassed by a debt buyer
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FinCo Services Inc DBA Current (OH)

I saw on my XXXX XXXX  report that i had a new account with Current XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX I sent them an email asking them to close any acoount with my name on it. 
I recieved an email back stating that they closed all accounts and cards in my name. They stated that I should change passwords that someone has access to all my information.