davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 2024-07-10
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)

I am writing to demand immediate resolution to my previous letter concerning the inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) 611. Despite my clear request for an investigation into the following accounts, I have not received a satisfactory resolution.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

According to FCRA 15 USC 1692a, Communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Also FCRA FCRA 15 USC 1692c states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, also in this section in regards to ceasing communications, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
PRA has admitted to receiving a cease and desist order from me in a previous complaint XXXX as it pertains to this alleged debt. They are directly responsible for the reporting of this debt to the consumer reporting agencies and therefore are responsible for the information being removed from those same agencies. 
FCRA rules clearly support the fact that reporting this information to a credit reporting agency is communication of the debt, furthermore it is communication to a third party. I have not, under any circumstance, given PRA permission to report this alleged debt.
Consumer complaint received 2024-09-27
Product: Credit reporting 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)

XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX  XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX XXXX  - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX  - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXX XXXX- This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - This inquiry was not authorized, please remove it from my credit report immediately. DATE - XXXX
Consumer complaint received 2023-07-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This collections is rental dispute from XXXX XXXX from XXXX NJ. Several times of complaints to the building of entry without permission. Finding my door open two times, without any calls, they have my cell number/work number. I felt unsafe and violated, and spoke to management to break my lease due to me feeling this way. At the time of me leaving I also found out that maintenance, was evolved in a police investigation of breaking into peoples apartments while the tenant was at work in one of the buildings they have access to next door the XXXX. So Management at the time, said it was ok for me to go, due to me feeling very uncomfortable, they kept my security, and did not give me any other solutions or warned me of the collections that I have now.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Original creditor : : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX  XXXX ), ( XXXX XXXX ) XXXX XXXX XXXX XXXX ) has violated my rights I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (AR)

There is an unknown company on my credit report asking for {$170.00} dollars receivable management I have not contract or no knowledge of doing business with this company my information has hacked and used and being pass around I get several phone calls a day from different companies and do not no how these people are getting my information
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

My loans transferred from Nelnet to XXXX in XX/XX/year>. Nelnet was paid off XX/XX/year>. They refuse to remove the balance from my credit report. I have the same account in my credit report twice. This is causing my debt to income ratio to be very low.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On Sunday XX/XX/XXXX at approximately XXXX EST I made a deposit of {$4700.00} dollars into my Capital One checking account. It was XXXX XXXX dollar bills and XXXX XXXX dollar bills for a total of {$4700.00} dollars. I inserted the money into the ATM like usual and then an error popped up on the screen saying they were having trouble processing the transaction. After that the ATM prompted me to take my card back and another message popped up saying " have a good day ''. I never received any receipt for this transaction and the ATM never returned my money I put in. I made sure to not go anywhere and quickly contacted Capital One support to make a claim so I could have some sort of record of what happened. Unfortunately it was a Sunday and the bank was closed so there was no bank manager I could contact about the situation. If the bank checks the ATM they will clearly see there is {$4700.00} dollars too much in the ATM. I wasn't able to take any videos or pictures of the messages because it all happened so fast. Long story short I put {$4700.00} dollars in the ATM and my transaction wasn't processed and my money wasn't returned.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The account from XXXX XXXX. This account was charged off by XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX. If they cant provide validation I remedy this be taken off my credit report immediately all 3 bureaus. This has negatively impacted my life. 15usc 1681eb Debt of validation letter XXXX XXXX
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

I bought a crypto currency to trade online trading from my debit card through my bank account, but I was never told by my bank that there would be a scam like doing this, so I never knew about this, I bought total {$50000.00} US dollars. I lost my money. I requested to my bank to file fraudulent case against crypto and refund me back my funds. But my bank not responding.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I have received a collection on my credit report from LVNV Funding LLC. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$640.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. I dont even have an account open with this credit card company so please remove it from my account. It is not mine nor anybody i am associated with. This credit card was lost/stolen from me and these charges are not mine. It is not right that i have to pay anything. I called the credit card company and was told its my fault. Please remove this off my credit report. Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (PA)

My name is XXXX XXXX I didnt open this account this account was open in my name fraudulent without my permission so please closed this account out and waive the balance to {$0.00} etc. 

Account number XXXX Reference XXXX
Consumer complaint received 2024-08-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I purchased {$500.00} worth in American Express gift cards split on to XXXX cards. I also purchased one {$100.00} XXXX gift card. Each card was purchased at the same XXXX on XX/XX/year> at around XXXX to XXXX. The purchases were completed and the money was withdrawn from my account. I activated all the cards at around XXXX to XXXX and they were all successfully activated. When I activated them I could see the money that was present in the cards account as well as the store that the cards were purchased at. I tried to make a purchase online, that accepted AMEX, and the card kept being declined. It said the card information was either wrong or it was declined. I checked multiple times to make sure the information was right and it was still declined. I tried to contact the customer supports, but I never recieved a good answer or any reasoning. I then took to online to see if anyone else had similar issues and what to do. I found out that people also shared same experiences as me and had the same issues.
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

This company placed a XXXX XXXX on my credit that is not mine. The address that the service was provided is a XXXX home. I never resided at said XXXX home and provided a lease showing that I did not reside at the residence during the time the debt was incurred. I explained to them multiple times that my mother did reside at the XXXX home from XX/XX/XXXX until she passed away in XXXX of XXXX however that still should make me responsible because # 1-I never signed a contract with XXXX and XXXX XXXX the outstanding balance was for services rendered during XXXX. This has caused my credit to decrease by XXXX points.
Consumer complaint received 2024-08-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bonneville Billing and Collections (ID)

I moved apartments in my building last XX/XX/XXXX and contacted USPS for an address change. I couldn't find XXXX XXXX address. They have never contacted me or let me know where to send the equipment and I couldn't find their address. On XX/XX/XXXX I received a collection letter from Bonneville Collections, XXXX XXXX XXXX, XXXX, UT XXXX, dated XX/XX/XXXX mailed to my old address. They wanting {$350.00}. I am a XXXX XXXXXXXX person on XXXX and XXXX with very low income so I can't afford to pay the amount. I wrote to The Bonneville Collections agency today, XX/XX/XXXX to ask for the address of XXXX XXXX. I will be glad to send their equipment back to them. but I don't feel I should pay that large fee. XXXX XXXX never contacted me ever to let me know that I owed money or where to send the equipment and I couldn't find their address. Please help me.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have three unauthorized hard inquiries on my credit report from the following companies. 


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 XXXXXX/XX/year> )
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} SAFE XXXX XXXX Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$860.00}
Consumer complaint received 2024-08-31
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: AMERICAN EXPRESS COMPANY (NJ)

I paid my XXXX payment on XX/XX/XXXX and got reported for 30 days past due in XXXX. American Express is now saying I missed XXXX 's payment when in XXXX I signed up for their relief program. I paid double in XXXX that satisfied XXXX and XXXX, however my payment in XXXX did not satisfy anything. Amex reported that I am 30 days late and now my score is down XXXX points.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/year> I deposited a check for {$25000.00} that was handed to me by my attorney XXXX XXXX XXXX XXXX  XXXX XXXX. I deposited that check at the XXXX XXXXXXXX XXXX fifth third branch. My account was flagged for suspicious activity. This is not the first time this has happened. Fifth third has flagged my account numerous times when a large amount goes into it. Are people not allowed to have money? I have been waiting for this settlement check for over a year now and fifth third couldn't do a better job at checking it's authenticity before saying " XXXX XXXX its fraud ''. They need to be put on higher standards and train their employees better