davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (WI)

On XXXX I received a fraud alert notification from my XXXX XXXX and my XXXX accounts. I immediately went into my XXXX account and was directed to a debt that had been referred to a collection agency and posted to my credit report. My credit score is historically in the XXXX range. It is now XXXX. 

A collection company, Consumer Adjustment Co. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ), today posted a collection on my credit report through XXXX. The collection is in an amount of {$3000.00}. My Experian app shows the tradeline as opened XX/XX/year>, with no payments made, and sent to collection XXXX. The creditor is shown as XXXX. I've never transacted with XXXX but researched their website. Apparently, they'll give you a loan without pulling credit, which explains how someone could have used my identity to get a loan without a credit pull. My credit is locked with all XXXX bureaus and has been for over 3 years. I assume this means someone has other PII, and presumably my SSN. 

I not only want to dispute this but I also want to know how I can prevent it in the future. If someone can obtain credit in my name without a credit pull that makes it much easier to defraud someone and XXXX XXXX and the bureau locks would seem to be powerless against that. 

Thank you in advance for your help
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (SC)

I opened an account with American Express in XXXX, my wallet and card were stolen, and many police reports were generated. I immediately closed the card, however they are refusing after 7 years of disputing this, to remove it from my credit report. Stating that still there are XXXX XXXX  in charges. I never had the opportunity to use this card and 7 years ago reported all this as fraud, i do not have the card and all reports were filed with them and XXXX.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX - - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-01-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I applied for a XXXX and was approved for XXXX but the XXXX  appriased my place for XXXX less than the tax roll and I then XXXX XXXX XXXX  and he confirmed my place was worth over XXXX more than the XXXX XXXX I was forced to pay off XXXX other loans that were lower insterest that were with truist and they charged me XXXX worth of payoff fees on a XXXX car note. Lastly the branch XXXX forged my wifes signiture and noterized the documents when I or my wife was not present. I was never told ot was a variable rate either. The branch managers name is XXXX and I asked to talk to general XXXX  and was told I could not.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove this fraudulent account from my credit report as soon as possible. I did not authorize anyone to use my account and I am not aware of these accounts. This is causing me a lot of stress and anxiety, and I am begging you to take immediate action to remove this inaccurate information from my credit report.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (IL)

Name : XXXX XXXX was a lawful resident of XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX ) until XXXX, 2022. When my lease got terminated, I went to the leasing office to hand over my keys. I explained them my situation stating that there was furniture at my apartment and they were in good condition, but as I was moving to a new apartment, I preferred to purchase new furniture. 

The person who took the keys said that having furniture wouldn't be any problem any furniture that's useless would be thrown away. I also specifically asked if there would be any fees for that and they said no. Before this incident, I callled them over XXXX times to confirm this situation, but no one answered. 

After a few months of vacating, I was charged a bill of over {$900.00} and most of it was related to the furniture. I immediately contacted the XXXX management regarding this stating that this is completely insane. If I had know this situation, I would have moved the furniture and I also told them about all the previous inconvenienes faced by me and I did not get any response from them. 

A few months later, a debt collection agency called me and told that I owed them {$800.00} for the fees related to XXXX. I said I would first dispute this with the XXXX XXXX, but the debt collection agency warned me that it would be reflected in my credit report. As I was not aware about these consumer laws, I didn't dispute it further and I pais the entire {$800.00} to the debt collection agency. The agency violed the laws by providing incorrect information and also used false tactics to make me pay the amount.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Using various Metro2 and E-Oscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number .

I understand full well that Metro2 and E-Oscar are industry protocols created by the nonprofit organization CDIA cdiaonline.org, and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number . 

You have XXXX hours to e-mail me the results of your Metro2 and E-Oscar verification processes and protocols and list of eligible deletions.

If you choose to continue on this path of negligent and willfully defamatory reporting, I will invoke every measure afforded to me by the FCRA ( 1970 ) 15 USC 1681 et seq, TILA ( 1968 ) 1601-1667f, and RICO ( 1970 ) 18 USC 1961-1968 .

Subject : *Metro2 Compliance Check and Verification or Deletion* Using various Metro2 and eOscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number.

I understand full well that Metro2 and eOscar are industry protocols created by the nonprofit organization CDIA cdiaonline.org, and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as XXXX or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and XXXX & XXXX Identifiable Information on every credit file bearing my name, and Social Security XXXX XXXX 

You have XXXX hours to e-mail me the results of your Metro2 and eOscar verification processes and protocols and list of eligible deletions. 
Accounts flagship credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are in violation and the updated information is missing information and you are to now remove all of these account off my report within XXXX hours
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Mandarich Law Group, LLP (CA)

I received a letter on the mail about a debt : I requested proof of the debt and expounded I dispute this bill and wanted more information on the creditor they are collecting on behalf of o sent the request via email as is stated I could either write them or via email per the letter they mailed me. So I opted to email the company on XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of getting the documents t requested of the original creditor I received a 10 day demand letter instead!!!! How unfair is this.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IN)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2023-10-10
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 (OR)

XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  I did not authorize any of these inquiries.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted XXXX XXXX XXXX  I was told since XXXX balance has been paid in full that they will request that the trade lines will be removed from all reporting agencies
Consumer complaint received 2024-06-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is a formal complaint against PORTFOLIO Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : PORTFOLIO Account # XXXX Nature of Complaint : 1. Lack of Written Notification : PORTFOLIO Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

2. No Contract or Business Relationship : I have never engaged in any business with PORTFOLIO Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by PORTFOLIO Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : PORTFOLIO Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt.
Consumer complaint received 2024-06-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Account Name : Portfolio RC Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened XXXX , and XXXX don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed from my credit report.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}
Consumer complaint received 2024-06-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to formally dispute an account listed on my credit report by Portfolio RC Account XXXX XXXX. The account details are as follows : Portfolio RC Account XXXX XXXX I have never engaged in any business with Portfolio RC Account XXXX  XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " XXXX month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with Portfolio RC Account XXXX XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with Portfolio RC Account XXXX XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (WA)

I have an American Express credit card. I've been a loyal member for over 10 years and have never been late on my monthly payments. I use my credit card often for business related expenses. This credit card is important for keeping my business running smoothly. I just recently made a {$2000.00} payment on my card. I went to use my card, and I was declined. I immediately contacted American Express, and they said they were freezing my account. I was completely blind-sided. I'm making my monthly payments so why would they freeze my account. This has a huge impact on my business. They offered me a solution which was really a solution at all. They would give me 3 days to make {$7000.00} payment in order to keep my credit card active. I requested that they give me 1 month to make a {$7000.00} payment and I was denied. I feel unfairly treated especially since I've been with them over 10 years with zero-late payments. I just don't understand how this could happen. Thay are making plenty on interest when I'm carrying a higher balance. I would understand had I missed a payment but that is not the case. I hope there is something you can do, or some advice to help with this unfortunate situation. 
Thank you, XXXX XXXX