davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (MI)

To whom it may concern : paramont Recovery System This complaint is regarding account # XXXX, which you claim I owe {$560.00} for a collection account. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

There's XXXX late payment dates on an account that was closed to my city double cash card XXXX that r wrong and citi will not provide me with the dates on the XXXX late payments and when the account was closed because they know they're wrong so they're not going to provide that information to me
Consumer complaint received 2024-05-10
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. (NV)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2024-03-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (NY)

I reported a dispute on XXXX twentieth of this year dispute # is XXXX. Someone took my card and made two transactions that were not authorized by me and had no knowledge of the transactions until hours later so I let chime know about this issue and they opened a dispute and they were going to investigate. After few hours I got a email saying that they denied the claim and no error was found. I called the sheriffs department and had a police officer come to my house and filled out a complaint. They gave me a police report number witch I submitted to chime and after XXXX denials with the same generated email from them saying that they were denying my case after a couple days, the police come to my house again with surveillance video from the store and asked me if I knew this person that was using my card. Sure enough I did. I told him who it was. I made a police statement they arrested him felony charge. I uploaded the documents to chime they still denying me, and every time I ask to speak to a supervisor or the investigation team they tell me that we are not allowed to them. This has been nothing but a circus for me. I did not make the transactions for {$350.00}. I requested for my money to get back into the account after the suspect was arrested and charged for fraudulent unauthorized use of my card. They still are denying my claim. I get nowhere speaking with them. Please help me.
Consumer complaint received 2024-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> are fraudulent.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX 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 2024-02-01
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. (MN)

I am writing to formally dispute the presence of a bankruptcy entry on my credit report, as reported by your agency. This dispute is made in accordance with the Metro 2 Compliance Guidelines and the provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
On XX/XX/2023, I obtained a copy of my credit report from your agency and discovered that a bankruptcy entry is listed on my report. The bankruptcy entry in question is as follows : 1. This account is in violation of 15 U.S. CODE 1681 a ( 4 ) Consumer Rights To Privacy This Bankrupty Should Not Be on my credit consumer report. You are hindering my ability to get thing you are destroying my life please delete this from my credit report immediately. 


I am disputing this bankruptcy entry for the following reasons : Inaccurate Information : The information regarding the bankruptcy entry on my credit report is inaccurate. I have never filed for bankruptcy or had any bankruptcy proceedings against me. This erroneous information is damaging my creditworthiness and causing me undue financial harm.

Violation of Metro 2 Compliance : The inclusion of this inaccurate bankruptcy entry on my credit report is in violation of Metro 2 Compliance Guidelines, which require accurate and up-to-date reporting of consumer credit information.

Violation of 15 USC 1681 : This erroneous bankruptcy entry also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), which mandates that consumer reporting agencies ensure the accuracy of the information they report. 
I am requesting that Equifax promptly investigate this dispute in accordance with the provisions of the Fair Credit Reporting Act. Pursuant to my rights under 15 USC 1681i, I request that you : Conduct a thorough and comprehensive investigation into the accuracy of the bankruptcy entry in question. 
Verify the accuracy of the information with the creditor responsible for reporting it. 
Correct or delete the inaccurate bankruptcy entry from my credit report if it is found to be incorrect. 
PLEASE DO NOT SAY THE COURT REPORTED THIS IMFORMATION TO THE CREDIT BUREAU BECAUSE THAT IS A LIE!! 
The ORC and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION!

Please acknowledge receipt of this dispute letter and provide me with a written response within 30 days, as required by the Fair Credit Reporting Act. If the investigation results in the determination that the bankruptcy entry is indeed inaccurate, I request that pplyou promptly remove it from my credit report. 
Failure to comply with the Fair Credit Reporting Act could result in legal action, and I hope to resolve this matter amicably. I appreciate your prompt attention to this dispute and your commitment to ensuring the accuracy of the information reported by your agency. 
Sincerely,
Consumer complaint received 2024-03-16
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. (TX)

XXXXXXXX XXXX has reported a single late payment to the credit agencies. On an account that was paid in full closed and never late. XXXX is the first to solve the issue yet Equifax and XXXX have failed to correct the issue.
Consumer complaint received 2024-04-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (TX)

I have been sending Regional Acceptance Corp my findings for my disputes of an incorrect credit report since XXXX XXXX XXXX. I sent RAC certified mail of my rights through FCRA. Along with copies of letters from the XXXX XXXX XXXX  writing how stupid I was to send FCRA laws that was being reported on my credit report. Although I sent into the XXXX bureaus only to find that RAC was sent them by XXXX of the XXXX bureaus that was only meant for bureaus. Instead of reaching out to me to understand what I had sent RAC thought it would be better to send rude letters. Not only has RAC ruined my report but name as well. The documents Im sending will show just how RAC deals with consumers. These tactics have not only been reported incorrectly but now has reset the clock. This is obviously done maliciously and insulting.
Consumer complaint received 2024-04-29
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: General Motors Financial Company, Inc. (MN)

- XXXX XXXXXXXX XXXX XXXX account number XXXX : This account listed on my report is unfamiliar to me, as I have never had an account with this bank. 

- XXXX XXXXXXXX, account number XXXX : In an attempt to establish credit at a young age, I opened this account, but I soon realized I wasn't ready for the responsibility and attempted to close the account. 

- XXXX XXXX XXXX XXXX  account number XXXX : I deposited {$300.00} into this account, but the funds were withdrawn without any explanation from the bank. I contacted the bank for clarification but did not receive any information. 

- GM Financial, account number XXXX : I am currently in the process of paying off my car loan with GM Financial. 

- XXXX XXXX, account number XXXX : This account was opened fraudulently as my identity was stolen. I did not authorize the opening of this account. 

- XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX, account number XXXX XXXX XXXX XXXX, account number XXXX The remaining accounts listed on my report are also unfamiliar to me.
Consumer complaint received 2024-04-17
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. (WI)

I have made several attempts to get Experian credit reporting agency. To remove this address from my credit report because it does not belong to me XXXX XXXX XXXX XXXX XXXX, WI XXXX. ( Please See Attachments )
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address the discrepancies apparent in my credit report and to seek validation of specific debts listed therein. As a responsible consumer, I have consistently made payments on these accounts, albeit in minimum amounts, due to challenging circumstances. It's crucial to underscore that these minimal payments were not a result of negligence but rather a strategic approach to mitigate further damage to my credit report. I want to emphasize that these payments were made with the intention of safeguarding my credit score, and they do not imply any admission of liability for debts incurred fraudulently. The accounts in question, associated with Upgrade ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ), have been subject to these payments. Given these circumstances, I urge for the immediate removal of these inaccurate items from my credit report. Their presence not only undermines the integrity of my financial profile but also poses significant challenges in accessing future credit facilities. Therefore, I appeal to your understanding and authority to facilitate the removal of these erroneous entries from my credit report promptly.
Consumer complaint received 2024-02-01
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. (MN)

I am writing to formally dispute the presence of a bankruptcy entry on my credit report, as reported by your agency. This dispute is made in accordance with the Metro 2 Compliance Guidelines and the provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
On XX/XX/2023, I obtained a copy of my credit report from your agency and discovered that a bankruptcy entry is listed on my report. The bankruptcy entry in question is as follows : 1. This account is in violation of 15 U.S. CODE 1681 a ( 4 ) Consumer Rights To Privacy This Bankrupty Should Not Be on my credit consumer report. You are hindering my ability to get thing you are destroying my life please delete this from my credit report immediately. 


I am disputing this bankruptcy entry for the following reasons : Inaccurate Information : The information regarding the bankruptcy entry on my credit report is inaccurate. I have never filed for bankruptcy or had any bankruptcy proceedings against me. This erroneous information is damaging my creditworthiness and causing me undue financial harm.

Violation of Metro 2 Compliance : The inclusion of this inaccurate bankruptcy entry on my credit report is in violation of Metro 2 Compliance Guidelines, which require accurate and up-to-date reporting of consumer credit information.

Violation of 15 USC 1681 : This erroneous bankruptcy entry also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), which mandates that consumer reporting agencies ensure the accuracy of the information they report. 
I am requesting that XXXX promptly investigate this dispute in accordance with the provisions of the Fair Credit Reporting Act. Pursuant to my rights under 15 USC 1681i, I request that you : Conduct a thorough and comprehensive investigation into the accuracy of the bankruptcy entry in question. 
Verify the accuracy of the information with the creditor responsible for reporting it. 
Correct or delete the inaccurate bankruptcy entry from my credit report if it is found to be incorrect. 
PLEASE DO NOT SAY THE COURT REPORTED THIS IMFORMATION TO THE CREDIT BUREAU BECAUSE THAT IS A LIE!! 
The ORC and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please acknowledge receipt of this dispute letter and provide me with a written response within 30 days, as required by the Fair Credit Reporting Act. If the investigation results in the determination that the bankruptcy entry is indeed inaccurate, I request that pplyou promptly remove it from my credit report. 
Failure to comply with the Fair Credit Reporting Act could result in legal action, and I hope to resolve this matter amicably. I appreciate your prompt attention to this dispute and your commitment to ensuring the accuracy of the information reported by your agency. 
Sincerely,
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (NJ)

Experian Credit Bureau, fraud department, XXXX XXXX XXXX, XXXX, TX XXXX, back in XXXX, XXXX  I notice the following account on my credit report : 1 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX, Close with a balance of {$1300.00}, 2 ) XXXX XXXX XXXX Account # XXXX, Closed with XXXX balance 3 ) XXXX XXXX XXXX Account # XXXX, Closed XXXX balance 4 ) XXXX / XXXX Account # XXXX, Closed XXXX balance 5 ) XXXX XXXX XXXX XXXX XXXX, XXXX balance. 

I disputed all 5 fraudulent accounts with all three credit bureau, and is still showing on my report with Experian Credit Bureau,
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc. (FL)

SUMMIT ACT RES is alleging I owe a debt I do not. I have no obligation under law to pay any debt I did not go into a contractual agreement with. Federal law states just because a contract is transferred does not give collection rights. Is Summit Account Resolution stating they are above federal law? If Summit Account Resolution believe that they have rights to collect this debt with a signature from me that states we went into an agreement otherwise what you are attempting to do is violate me and I will immediately file legal action for violation of my federally protected rights. I refuse to pay this debt send my contract back to the original creditor. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Consumer complaint received 2024-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Contacted the debt collector and explained the debt is not mine, they put a hold on the collection to investigate. However, I received a notice via mail that they concluded their information was accurate. I disagree and believe this to be a credit fraud situation. I have checked all three credit bureaus and there is no record of this credit card on any of them.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (TX)

My ex opened an account using my name, address, and social security number. Apparently, Kikoff doesn't really have a verification process. Put in a valid social security number that matches the name on the application and your good to go. Anyone could take your info & open an account.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ASSOCIATED BANC-CORP (IL)

Associated Bank sold my loan. They have cut off access to my account so I can't get historical statements. And there has been no information from the new provider. Calling the customer service number they have no record of the loan.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was notified that someone requested a XXXXXXXX XXXX XXXX  through XXXX XXXX, and it wasn't me. As soon as I found out, I notified the banks and credit bureaus. I was told that in order to get this resolved, I need to get a letter for you all and then send to the credit bureaus. XXXX XXXX  has closed the account, and I will not be penalized for anything, but I will need this removed off of my credit ASAP. 

Thanks!
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Managers, Inc. (WA)

Currently in litigation with a lawsuit filed back in XXXX of 2023 with a property management company that broke landlord tenant laws, and Health Department Laws. Also city is an involved and violations codes are in record. Summons and complaint on file with XXXX XXXX XXXX XXXX. Property management company still sent me to collections even though we are in current litigation. I have contacted my attorney.