davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Despite providing this information and the successful removal of the fraudulent account by other credit bureaus, your bureau has inexplicably chosen to disregard the validity of my dispute. This blatant refusal to acknowledge the fraudulency of the account and its persistence on my credit report is not only unjust but also a direct violation of my rights under the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. This situation not only tarnishes my creditworthiness but also violates the Fair Credit Reporting Act ( FCRA ) by seemingly ignoring clear evidence of identity theft. 
XXXX XXXX XXXX  PLEASE DELETE!!! XXXX and XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough investigation into this matter, with a focus on acknowledging the identity theft and the fraudulent nature of the account in question. The continued presence of this account on my credit report has far-reaching consequences on my financial standing and is causing considerable distress. 
The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 
Bankruptcy XXXX XXXX-dismissed Reference number : XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy.
Consumer complaint received 2023-05-01
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. (CA)

In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (VA)

On XX/XX/2023, I was informed that there was a change to my credit report via XXXX email notification. 

I called the company number displayed on the information given to me by XXXX but, had no luck getting through to the company. Company information is : Zions Debt Holdings LL Address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Balance : {$3200.00} I have no clue where this balance came from, or why it was sent to collections under my name. I am closely watching my credit report as I am looking to purchase a home and have no idea where this debt came from or why. 

I believe i may be a victim of fraud.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I am writing to you requesting that you remove FCO from my credit report. FCO is a third-party collection agency. Furthermore, I never lived in XXXX XXXX. I lived in XXXX, which XXXX XXXX purchased ; by the time XXXX bought XXXX, I had already moved out. XXXX XXXX sold the debt because they could not pursue something not owed to them. Also, this rent occurred during covid, which was not that amount ; They inflated it. I am asking the CFPB to look into this, as I feel it needs to be investigated.FCO is a third-party collection! The state of New Jersey does not allow Covid rent debt to be sold to third-party collections XXXX was going to pay the balance to XXXX, but I moved before they could because the landlord kept pressuring me to move, and once you move, XXXX would not pay it off. This should not be on my report. 

XXXX XXXX XXXX  Respectfully, XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

Today on XX/XX/, I received a notification from my XXXX account that my credit score dropped XXXX points in the last month. I then looked into my account and saw that I have been an authorized user for a " CITICARDS CBNA '' credit card for the last two months ( since XX/XX/ ) and that I am currently using 50 % of my account 's limit. I am not familiar with this credit card and would like this removed from my records/reports as I am sure this is a fraud. I will contact the creditor after I send this message.
Consumer complaint received 2024-04-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 information is inaccurate.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (DE)

We are a C Corporate in Delaware. 

We have a bank account with Silicon Valley Bank, recently acquired by XXXX XXXX XXXX XXXX XXXX. 

We have three accounts with this bank, one in USD and one in EUR, and one in GBP. 

Right now ( today is XX/XX/XXXX ) and since XX/XX/XXXX and all the time between we are UNABLE to conduct : - Foreign Currency Exchange operations- Outgoing Wire Transfer using the currency accounts in EUR nor GBP I have been on the line multiple time with the bank support and they have been UNABLE to provide me with any realistic timeline or even a reason for these outgoing wire transfers in currencies ( EUR and GBP ). 

I have been told multiple times simply to wait for an unknown time without any roadmap or timeline. 

We are a small business and for us, it's a life-and-death situation. What makes this even worse we're not even given any explanation why they have suspended both the Foreign Exchange Services and Outgoing Currency Account ( EUR / GBP ) Wire Transfers.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I want to address the erroneous listing of accounts marked as late payments on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer, these accounts are being inaccurately portrayed as delinquent. Why are you reporting me late on XX/XX/2022 when the other bureaus are reporting me as paid? How are you reporting that wrong?
Consumer complaint received 2023-12-22
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. (AR)

I am writing to express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple efforts, the fraudulent information persists, negatively impacting my creditworthiness and causing undue distress.

I first identified unauthorized and fraudulent entries on my credit report. Subsequently, I have diligently followed the established dispute resolution procedures to rectify this issue.

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional strain. I insist on a thorough and immediate investigation into the fraudulent entries on my credit file.

I am formally requesting the following actions : A comprehensive and urgent review of the fraudulent items on my credit report.

Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I am fully aware of my rights under the FCRA and the significance of correcting inaccuracies promptly. Failure to address and rectify this matter in a timely manner may leave me with no choice but to explore legal remedies to protect my rights.

Enclosed with this letter, you will find copies of supporting documents.

I kindly request your prompt attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible.
Consumer complaint received 2023-12-22
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. (GA)

I enrolled in a payment program offered by XXXX XXXX to bring my Platinum card current after a period of economic hardship. XXXX XXXX informed me that they would be scheduling a total of XXXX payments to be deducted from my bank account over XXXX months to bring the account up to date. Unbeknownst to me, XXXX XXXX scheduled the first and third payments, but they did not schedule the second payment. 

After accepting the payment plan, I received a confirmation email that stated I wouldn't have to take any further action and that the amounts would be paid automatically. At the end of the second month, I noticed that my account was suddenly charged off. When I contacted customer support, the agent informed me that he was able to see a record that indicated the first and third payments had been scheduled ; however, there was no record of anyone on XXXX XXXX 's end having scheduled the second payment. 

The agent filed a dispute over the phone on my behalf. I never heard back from XXXX XXXX. The charge-off remained on my account. I tried to call XXXX XXXX several times for updates ; however, the agents all gave different excuses for not being able to help me ( i.e. the supervisors are all in a meeting ; the systems are down, and no one will be able to see my account ; everyone had left for the day, etc ). 

I disputed the charge-off through one of the credit bureaus. XXXX XXXX responded by saying they'd resolved the issue and that the charge-off was correct.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Upgrade, Inc. (MO)

Upgrade requires me to take a picture with a sign containing my personal info and my drivers license just to change a phone number. I moved and cant access my account online to get it closed out because UPGRADE refuses to change the 2 step verification process to my new phone number. Ive sent them multiple emails with the requested information. They are violating hippa & privacy laws. I have never seen such HORRENDOUS requirements to get a phone number changed just so I can access my account. 

Who knows how many others are locked out like this and can not access our money. This company needs to be investigated and shut down.
Consumer complaint received 2024-06-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS HAS CAUSED DAMAGED BEYOND BELIEF. THEY STARTED CALLING ME AROUND XX/XX/year> IN A VERY HARASSING AND RUDE TONE REQUESTING FOR MY SSN WITHOUT GIVING ME ANY INFORMATION ON WHO THEY ARE AND WHAT THEY ARE CALLING ABOUT. BEING A PRUDENT PERSON, I DO NOT PROVIDE MY SSN TO STRANGERS WITHOUT ANY CONTEXT. AFTER MULTIPLE INDEPENDENT ATTEMPTS TO FIGURE OUT WHAT IS HAPPENING ON MY OWN, I FINALLY REALIZED THAT THIS WAS RELATED TO MOVE-OUT FEES THAT I HAD INCURRED 3 YEARS AGO THAT I HAD TALKED TO MY LANDLORD ABOUT BUT THEY NEVER RESPONDED TO MY EMAILS. I HAVE A NEARLY PERFECT XXXX CREDIT SCORE, I HAVE AN EXCELLENT JOB AND HAVE BEEN EMPLOYED A WORKING PROFESSIONAL AND XXXX FOR OVER 10 YEARS AND I AM RESPONSIBLE. I WAS NOT EXPECTING TO BE SENT TO COLLECTIONS AGENCY. ATTACHED IS MY NUMEROUS ATTEMPT TO UNDERSTAND CHARGES FROM MY LANDLORD. MY EMAILS WERE IGNORED. I DECIDED TO PAY THE FEES ON XX/XX/year> ( 3 YEARS AFTER MY EMAILS WERE IGNORED ) WITHOUT KNOWING WHAT THEY WERE JUST SO I CAN SAVE MYSELF SOME TIME AND HEADACHE. I AM IN THE PROCESS OF PURCHASING A HOME AND NEED THE BEST CREDIT SCORE POSSIBLE. THE COLLECTION AGENCY REMOVED THE DEBT FROM MY ACCOUNT IN XX/XX/year>, SEE ATTACHED. IN XX/XX/year> THEY ERRONEOUSLY ADDED THE SAME DEBT THAT I HAD ALREADY PAID FOR BACK TO MY ACCOUNT, RESULTING IN A XXXX POINT DECREASE IN MY CREDIT SCORE!!! THIS CAN COST ME XXXX AND XXXX OF DOLLARS AS I WANT TO GET THE BEST INTEREST RATE THAT I WORKED HARD FOR. I CALLED THE COLLECTION AGENCY ON XX/XX/year> ( PLEASE REQUEST THE RECORDED CONVERSATION ) THE PERSON I SPOKE TO WAS EXTREMELY RUDE AND ON NUMEROUS OCCASIONS SAID " THIS SLIPPED THROUGH THE CRACKS '' SOMETHING WENT WRONG AND THEY MADE A MISTAKE AND CHARGED ME FOR THE SAME DEBT. THEN THEY AGAIN PROCEEDED TO HARRASS ME AND BE EXTREMELY RUDE ON THE PHONE AND DID NOT RESOLVED THE ISSUE THEY SAID THEY NEED TO LOOK INTO IT EVEN AFTER PUTTING ME ON HOLD FOR 5 MINUTES AND EVEN AFTER ALREADY CONFIRMING ON THE PHONE THEY MADE A MISTAKE!!!! I WOULD LIKE TO PRESS CHARGES AGAINST THIS COMPANY.
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Despite my efforts and successful removal from other credit bureaus, this particular account continues to plague my credit report, as if no corrective action has been taken. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It's like participating in a never-ending magic show, where some fraudulent accounts vanish into thin air while others stubbornly linger, refusing to take their final bow. I must admit, your bureau 's ability to keep me on the edge of my sanity is truly impressive!! 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously submitted dispute letters and provided supporting documentation to the other credit bureaus, resulting in the successful removal of this fraudulent account from their records. However, it remains present on your credit report, causing ongoing distress and affecting my creditworthiness.
Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc. (CA)

Contacted by XXXX XXXX XXXX in XX/XX/year> about outstanding debt. Representative gave me the name of " XXXX XXXX. '' XXXX XXXX removed my name from the account. XXXX XXXX 's address ( XXXX XXXX XXXX, XXXXXXXX XXXX  ) started showing on my credit reports. The collection agency XXXX XXXX XXXX has been trying to collect {$2800.00} on behalf of XXXX XXXX XXXX. I have not ever used this company. 
I filed an FTC XXXX, XXXX police report, FTC Identity Theft report, reported to the credit bureaus, contacted the collection agency, and XXXX XXXX XXXX. XXXX said the debt is XXXX XXXX mine. I do not live in XXXX  and was not there at the time the service was provided in XX/XX/year>.
Consumer complaint received 2023-12-22
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-22
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-12-22
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. (MD)

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 {$1500.00}.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (PA)

Today, XX/XX/year>, I received a letter in the mail from American Coradius International LLC stating that I owed a debt from a XXXX account. I called the number and spoke with a representative XXXX. They asked me for my current address and phone number. They also asked for my birthdate and social security number.