davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (AZ)

XX/XX/2024 Subject : CFPB to take off negative score. 
To : Credit Union XXXX XXXX XXXX XXXX Early Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802. Thank you.
Consumer complaint received 2024-04-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} This dispute is not for credit repair. These accounts do not belong to me. I have disputed these items with Equifax, XXXX, and XXXX, but the credit reporting agencies have not removed these accounts from my credit profile.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (MN)

I been receiving telephone calls of harassment, abusive and profane language and threats of being sent to jail and prison from NCB Management Services Representatives for a debt collection account thats not my account and is the result of identity theft. The debt collection account has a balance of {XXXX and the account is a fraudulent account and the result of identity theft. NCB Management Services is in complete violation of the Fair Debt Collection Practices Act under federal law.
Consumer complaint received 2024-04-27
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS INTO YOU GUYS STATING THAT I AGREED TO THE HAVING INFORMATION BLOCKED IN ERROR OR THAT I AGREED TO THIS ACCOUNTS BEING OPENED. THESE ACCOUNTS ARE FRAUDULENT.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion is reporting XXXX current XXXX  warrants that are XXXX and have been resolved over 2 months ago. Additionally, they are reporting a XXXX  in XXXX Ca court has been paid back in 2020 and I have the receipt. The court said what they are reporting does not reflect their system, at all. They also are reporting an address in Connecticut that I never lived at. They have not updated my credit profile as well after several requests and are reporting to agencies that I do not have enough credit to register a score and report me as XXXX XXXX XXXX and are informing agencies my profile is BAD as an evaluation.
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I intended to pay my XX/XX/2023 mortgage payment with XXXX XXXX XXXX. 
However, inadvertently, my assistant XXXX XXXX sent my monthly payment to the incorrect bank acct ( my bank acct at XXXX XXXX in error ) : ( The only way we realized this was when I received a text on XX/XX/2023 from credit agencies such as XXXX stating over 30 days late with my XXXX XXXX payment. 
I went to XXXX XXXX right away on XX/XX/2023 and asked what happened to the payment. She found that unfortunatly she sent it to the wrong bank. This was completely human error, we never intended to be late. All of the past payments were on time. 

XXXX and I called XXXX immediately to have them take the payment over the phone and they did so. 

We also made numerous calls to XXXX XXXX XXXX for help in repairing my credit score.. 
And they said write a letter. I also requested a payment History from XXXX and it took a long time for XXXX to send to me.. to show on time always except for the XX/XX/2023 payment due to human error, money went to wrong bank I sent a a couple of letters to XXXX explaining all as well as sending statments showing the money leaving my XXXX XXXX acct on XX/XX/2023, going to my XXXX XXXX acct rather then XXXX... 
Unfortunately, XXXX came back with no help to me after 30 days. They will not remove the negative late reporting to repair my credit. 

Due to the above, Transunion as of today has my credit score XXXX points below what it was in XX/XX/2023 XXXX however, repaired my credit score to what it was in XXXX 2023 I am attaching the XXXX XXXX XXXX  Mtge payment history on this complaint. 

Please help me. My credit score should be repaired this was unintentional Thank you XXXX XXXX XXXX
Consumer complaint received 2024-04-27
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. (AL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

To anyone who can assist me at the CFPB, I hope this message finds you well. I'm writing to share my concerns about the unresolved issues with my credit report. Back on XX/XX/year>, I took the step of sending a formal letter addressing several inaccuracies and unknown inquiries that have been haunting my credit profile. Sadly, despite waiting patiently for over 52 days, I haven't received any acknowledgment or resolution from the credit bureaus. 

This prolonged silence has left me feeling frustrated and a bit lost. These inaccuracies aren't just numbers on a report ; they're affecting my everyday life. I've noticed several collections on my credit report reporting inaccurately, leading to denials for essential services and unfair increases in interest rates. The impact isn't just financial ; it's taking a toll on my dreams of buying a home and growing my business, responsibilities I hold dear as the primary provider for my family. 

I've done everything I can to address these issues, diligently disputing accounts and inquiries. However, despite my efforts, I haven't received any substantial evidence for their verification. It's disheartening to see Section 611 ( a ) of the Fair Credit Reporting Act overlooked, which mandates the removal of items not investigated within 30 days. Given that it's been over 52 days without any resolution, I feel compelled to demand the immediate deletion of these erroneous accounts to restore the accuracy of my credit profile. 

Beyond my personal situation, I'm deeply concerned about the broader implications of these inaccuracies. Maintaining accurate consumer reports isn't just about me ; it's crucial for the health of our economy. This negligence erodes consumer confidence and slows down economic progress. As a responsible consumer, I believe in the importance of timely and accurate reporting, and I trust that you share this belief. 

I'm reaching out with hope and a firm belief in your commitment to consumer rights. I urge the credit bureaus to take swift action to rectify these issues and remove the inaccurate accounts from my credit report. Failing to do so will leave me with no choice but to explore legal options to address the stress and hardship caused by their negligence. 

Thank you for taking the time to listen to my concerns. I'm optimistic about a swift and satisfactory resolution that upholds the integrity of the credit reporting system and protects consumer rights. 

Warm regards,
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

someone hacked into my PC and stolen the login credentials for my Bank of America account. He/She enabled XXXX  transfer feature into my amount under my phone XXXX. He/She made 2 transaction of amount XXXX total on XXXX XXXX XXXXXX/XX/2024 XXXX ( XXXX $ ) and XXXX, XXXX XX/XX/2024 XXXX ( XXXX $ ). I did not get any alert into my phone as a text message or mobile app notification. I got to know these transaction next day when i was checking my emails. Then i called the back immediately and asked to o pen the case. 

Bank of America investigation team told me that these two transactions was authorized using my phone text message code and they closed the case. But i have asked them to open the case again because i have not received any text message at these two times of the transactions. I have called XXXX XXXX XXXX XXXX as well to check if these was any text message delivered aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX and the response was NO. Till date i have not head anything from them. 

XXXX case number : XXXX Bank of America case number : XXXX XXXX NJ Police case number : XXXX Please check the attached documents as well.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

I have NOT been in contact with this company except to file a complaint via CFPB. I am requesting for this company to provide a ( Debt Validation Letter ) signed contract by me proving that they have a legal right to collect on this debt. More importantly to provide the original contract signed by me, authorizing the original company to sell the debt to a third-party collection company. My legal rights are being violated by this Collection Agency because there is no contract signed by me proving a business agreement and they have not provided me with the Original signed contract with my authorization. Reporting a debt without a legal agreement is in direct violation of my rights as a consumer.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (LA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-01-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Columbia Debt Recovery, a collection agency, consistently reports varying amounts to all three credit bureaus, alleging I owe money to a landlord. Despite my certified letter on XX/XX/2023, demanding validation of the debt under the FDCPA, Columbia has not complied for over 90 days. Their failure to validate and continuous reporting of different amounts to the credit bureaus represent clear violations of the law, impacting the accuracy of my financial profile.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX and XXXX did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX to paid on time as agreed never late immediately!
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-06-05
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2200.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was getting ready to purchase a house and apply for a mortgage, thats when i find out a bunch of credit cards were open under my Information without my knowledge or authorization, some even went to collection. i listed them below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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
Consumer complaint received 2024-07-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D&A Services, LLC (OK)

XXXX SOLD TO AGENCY AFTER AGREEMENT WAS REACH, THE D AND A KEPT CALLING MY FOLKS, MY WORK 31 TIMES DOC UMENTED. D AND A REFUSES TO REMOVE UNLAWFUL FRAUD ITEM FROM XXXX XXXX, THEY HAVE REMOVED FROM ALL CRAS.