davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NM)

I have Filed Disputes on All three Credit Bureaus XXXX, XXXX, XXXX & sent physical letters without Result. I have requested a WET Signature authorization the sale of Debt & Proof of actual debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692, et seq.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, et seq.

Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5481, et seq.

State consumer protection statutes creditors are mandated to adhere to strict guidelines when transferring or selling debt accounts to collection agencies. These guidelines are put in place to protect consumers like myself from unfair and deceptive practices. However, it appears that these regulations may have been violated in my case.

I must insist on immediate clarification regarding the status of my debt account and the parties involved in its management. Furthermore, I request detailed documentation and evidence demonstrating the lawful transfer of my debt, including any agreements or contracts signed by myself consenting to such actions. 

1 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MA XXXX Phone number : ( XXXX ) XXXX XXXX ) Account # Name NATIONAL CREDIT SYSTEM Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone number : ( XXXX ) XXXX XXXX ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2024-03-28
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
Consumer complaint received 2023-08-30
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)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX 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 2024-03-28
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-22
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. (CA)

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. XXXX XXXXXXXX. Please delete this account ASAP.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-27
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 recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must remove the LISTED account from my file. 
XXXX XXXX
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (TX)

I attempted to close my upgrade credit card but the account is still open. I opened the account in early XXXX and attempted to close it initially at the end of XXXX. I have attempted to close the account a couple more times since then. I have not used the credit card at all in XXXX, there are no transactions.
Consumer complaint received 2023-09-22
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. (IN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-04-19
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. (FL)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/ I noticed that Capital One had put a restriction on both of my credit cards. I have never missed a payment on any of these cards. The last 4 years I always paid off my balance by the due date. I called customer service to find out what this is all about. They told me that the fraud department had put on restriction because in XXXX I had setup payment and then cancelled them and setup payments again. They told me that if I want to take off the restrictions I should send them a copy of these 4 documents. They also to me it can take up 10 days after I submit my documents to remove the restrictions and will call me to let me know.. 

State Government-Issued ID/Driver 's License - one image of the front and one image of the back Social Security Card - one image of the front of the card XXXX XXXX XXXX Statements They emailed me a link on where I should upload these documents. 
I uploaded my drivers license and my social security card. I also uploaded a copy of my internet bill from XXXX. I also uploaded my business checking account statement because that the only checking account I have at the moment ( I have making all my payments through that account. 
On XX/XX/23 I got a call from Capital One that since my bank statement doesn't show my full account number I should sent them a copy a deposit slip. I went and took a picture of a deposit slip and uploaded it to them. 
I called them a week later to check on my status and I was told it still hasent been resolved. I called again last week which was already 4 weeks later and was told again that it hasent been resolved. I was told that he will accelerate it and they will call me when it be resolved.. 
As of to day I still havent heard back anything. 
I have being using one of my credit cards to give to various charity organizations. They would charge my credit card a certain amount .Capital One had put a restriction on my card all charges have been declined. I am getting phone calls from organizations telling me that my credit card has been declined. It been a very embarrassing situation for me for no good reason. 
I asking you to please help me and resolved this ASAP. 
Thanks XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items 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
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Kindly help me correct this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-29
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)

XXXXXXXX XXXXXXXX Spoke w XXXX  and opened dispute. Opened another dispute in XX/XX/XXXX XXXX  I requested account be deleted as it was incorrect and did not belong to me. 

Accounts incorrect are XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

The account ending in XXXX, account status : COLLECTION, owner : Individual, account type : XXXX, Creditor classification : XXXX, loan type : DEBT BUYERS ACCOUNT, creditor original name : XXXXXXXX XXXX XXXX  XXXX, opened : XX/XX/2022, balance : {$4700.00}. 
Collection account : MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX I have NEVER opened an account. This is Identity Theft. Never have I given consent/authorization to open this account on my name. Have never even been to XXXX. Clearly someone is using my identity to open numerous accounts. 

I require written communication this has been thoroughly investigated/this account has been CLOSED and completely DELETED off of my credit report and want to pursue legal action against this person.
Consumer complaint received 2024-03-27
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-09
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: GOLDMAN SACHS BANK USA (FL)

Dear Goldman Sachs Bank, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance regarding a dispute filed by one of your esteemed account holders, XXXX XXXX XXXX. 

We, at XXXX XXXX XXXX, have provided services to XXXX XXXX in accordance with her specified requirements. The transaction in question occurred on XX/XX/XXXX {$250.00}, and XX/XX/XXXX {$100.00}, involving a XXXX credit card with the number XXXX, issued by Goldman Sachs, and the associated amount of {$350.00} ( {$100.00} and {$250.00} on separate occasions ). 

However, to our surprise, XXXX XXXX has initiated a dispute, claiming that the product received was not acceptable. We want to assert firmly that the services rendered were in complete compliance with the agreed-upon terms and specifications outlined by XXXX XXXX. 

Our customer service representative has been in constant communication with XXXX XXXX, attempting to address her concerns and provide any necessary clarification. Despite our team 's continuous efforts, we have not received any response from XXXX XXXX, making it challenging to resolve the matter amicably. 

We are confident that this dispute is unfounded and falls under the category of false claims. As per the laws governing financial transactions in the United States, we request your intervention in thoroughly reviewing the case and ensuring a fair and just resolution. 

Details of the transaction : Cardholder : XXXX XXXX Card Number : XXXX Card Type : XXXX credit card Issuer : Goldman Sachs XXXX : {$100.00} and {$250.00} We kindly urge Goldman Sachs to investigate this matter promptly and take appropriate action to close the dispute. We request the reversal of the funds deducted from our account as a result of this dispute, as the claims made by XXXX XXXX are unsubstantiated. 

For your reference, please find the additional transaction details below : Fingerprint : XXXX ID : XXXX Owner Email : XXXX We appreciate your prompt attention to this matter and trust that, in adherence to the legal framework governing financial transactions in the United States, the dispute will be resolved in a fair and objective manner. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I disagree with the findings of your latest verification on the things recorded on my credit account. I first filed a dispute on this item, and I'd want to highlight certain areas of your verification procedure that I feel need more investigation. In your answer, you said that my claim is challenged, and you requested VALIDATION and PROOF OF CLAIM of the purported debt in compliance with the Fair Debt Collection Practices Act. Furthermore, as a consumer exercising my designated remedy and as the original creditor, I recognize that my request for VALIDATION and PROOF OF CLAIM is compliant with existing legislation, but I would like additional explanation and specific proof in respect to these requests.