davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

This is my third attempt trying to handle this matter with National Credit System. 

In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe, I have not received the following documentation from you # XXXX : Validation of the debt ( the actual accounting ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; A copy of the contract signed by both parties and therefore binding both parties. 
Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Payment history from original creditor A non negotiable estoppel notice was sent XX/XX/XXXX ( CM # XXXX ) and XXXX XXXX ( CM # XXXX ) requesting the creditor to removed the following account : National Credit SystemXXXX XXXX XXXX XXXX XXXX {$3000.00}. 


Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. ) 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. ) 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.

3. ) 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

4. ) 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

5. ) 15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

6. ) 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-20
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: EQUIFAX, INC. (NJ)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

On XXXX XX/XX/27 My Checking account was compromised for XXXX different transacctions in North Carolina , I live in Tennessee , but somehow i'm being held responsible for my personal loss, i've reached out to Truist Bank for weeks and they said there was nothing that they could do because the case was closed. Please help me with this because My Bank have turned their back on me!
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NJ)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX, which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm. I have tried resolving this matter with Crypto.com directly, however they refused to take any responsibility or action in my case.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My issue is with XXXX, XXXX, and Experian with a student loan company, DeptOfEd/XXXX  in which each company reports 3 - 90 day lates as of XX/XX/2023. As this is untrue, I have been in deferment since I XXXX XXXX  school. How can I have that many 90 day lates. I reject and am offended by XXXX, XXXX, and Experian reporting this misinformation. This is keeping me from getting a mortgage and other credit. DeptOfEd/XXXX  has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, DeptOfEd/XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly, as should anyone any consumer any American.
Consumer complaint received 2019-06-03
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This account XXXX XXXX XXXX ( XXXX ) was opened in XX/XX/year>. This account has been deleted from my XXXX report. 
-Experian failed to reinvestigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights for a 3rd time and there are still several inaccuracies on my account. Please remove this account!
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

under the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-02
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 am writing to express my extreme dissatisfaction with the inaccurate information currently present on my credit profile. Despite repeated attempts to rectify these errors, the bureau has failed to take appropriate action, thereby violating several federal laws protecting consumers ' rights. 

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that information reported on credit profiles be accurate, complete, and up-to-date. However, the inaccuracies persist, constituting a clear violation of FCRA Section 1681e ( b ).

Furthermore, under FCRA Section 1681i ( 5 ), the bureau is obligated to promptly investigate any disputes raised by consumers. Despite my efforts to dispute the inaccuracies, the bureau has failed to respond within the legally mandated timeframe. 

This blatant disregard for federal law has had severe repercussions on my financial well-being and has undermined my ability to access credit on fair terms. Therefore, I demand immediate action to rectify these errors and remove the inaccurate information from my credit profile. 

Failure to comply with federal law in this matter will result in further legal action to protect my rights as a consumer. I have attached copies of previous dispute letters for your reference. 

I expect a prompt and satisfactory resolution to this matter.
Consumer complaint received 2023-09-26
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With : XXXXXXXX XXXX XXXX XXXX {$370.00} This account is inaccurate and fraudulent And Have Never Signed A Contract, With This Company Nor Have I Ever Entered Into Any Agreement With Them. Neither do This company have My Signature. This company Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Accounts Be Removed. They Are Alleging A Balance Owed ( which was typed above with account number ) To Their Company this is not my debt and also have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

I am filing complaint because Innovative Recovery IN is contacting me to collect a debt that I have never had with them. I've never had a contract with Innovative Recovery IN nor have I ever had an agreement with them. I have asked them verbally and written to remove me from their call list as well as remove this debt off of my credit report and they fail to do so.
Consumer complaint received 2023-12-09
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: SYNCHRONY FINANCIAL (GA)

It appears that there is an unauthorized inquiry on my report. I received a copy of my credit report and found the following item ( XXXX ) to be an error. The following inquiry is reporting incorrectly and must be removed immediately. 

Creditor Name : SYNCB/PAYPAL XXXX XXXX XXXXXX/XX/2023 I did submit the application for a new account on XX/XX/2023, however before I completed the application, I communication with PAYPAL credit . I was told the that application would only result in a soft inquiry and that the application would not affect my credit. I did indeed receive a hard inquiry from to my XXXX report after submitting the application even though I was told that it would not occur. 

I have communicated with SYNCB/PAYPAL as well as XXXX requesting to have this unauthorized inquiry removed.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (NY)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been back and forth between Navy Federal, XXXX, and XXXX about this matter. This debt is still reporting on XXXX and I have received documentation from Original Creditor Navy federal stating that after an investigation done by them, they have found this debt as a result of identity theft. It has been well over 60 days but is still reporting under XXXX. I am still being denied my retirement home because of this and it has caused great distress because of it. They refuse to remove it off of XXXX and XXXX has not removed it either as of today XXXX. Please provide me with resources to file a suit against these companies for not removing it.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an 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 2023-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

On XX/XX/08 XXXX days after my direct deposit I received an email my checking, savings and credit builder accounts were closed. I immediately called the bank number XXXX and spoke to an agent. The agent reviewed my account and transferred me to another agent. In total I was transferred XXXX times and was informed I needed to send an email to XXXX with my mailing address for the refund. I sent an email and received a response was informed They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure and does not qualify for a refund. i emailed Back four more times with the same response. I had a separate issue with fraud over XXXX weeks ago and not sure if this was related or not as they will not tell me. I then received another email stating Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

For immediate assistance, call us at XXXX. Please let me know if you have any additional questions! I called the number to be told they will escalate the case to only receive the same response. Chime took my hard earned money in the amount over {$2000.00}. I sent an email back stating a hardship being a veteran with PTSD. I have Bills and obligations. Its the holidays. I have Tried in good faith to recoup my direct deposit. This is stealing someones direct deposit. Only deposits to the account are direct deposits. I work Hard for my money and in a desperate situation. Ok if whatever they closed the account but the funds in there are mine.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My account is constantly being restricted where I can't withdraw money, and they cancel my debit card whenever I try to withdraw or make a purchase. 
They say it's for a FRAUD ALERTS but why would they suspect fraud when I'm making the transaction at the bank teller windows? When I've been withdrawing the same amounts for decades? 
They cancelled 5 debit cards and prevented my paying bills causing late fees and more! 
I feel as if I'm being monitored as if a XXXX. 
Why are my every transaction being monitored?
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (LA)

They did pay my home owner 's insurance. They said they tried to contact the company with my homeowners insurance but they could get anyone. But I did when I contacted them. By them not paying my homeowners insurance, it got canceled. They told me that I should have let the insurance company I had switched over to Rocket mortgage. Now they had added their insurance amount to my mortgage payment. It from {$840.00} dollars a month to {$1000.00} dollars a month. And this has put me in a financial bind. The whole process of refinancing my home was to lower my mortgage monthly payments. But the reverse has happened.
Consumer complaint received 2023-12-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Monthly I send in payments to Lowes/Synchrony on the 1st via bank bill pay. The payments are usually cashed within 3 to 4 business days. However the payments are applied 8 to 10 days after the payments have been cashed making the application to the account more than 2 weeks after payment was sent seemingly in hopes of making the payment late and then charging a {$30.00} late fee. Additionally upon request to have the late payment removed they require I send a hard copy of my complete bank statement via USPS or fax with no redactions on any portion of the statement. They will not accept the transaction number or a copy of the cashed/cancelled check showing they've received and cashed the payment.
Consumer complaint received 2023-03-17
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. (VA)

XXXX XXXX XXXX loan is reported as closed and paid 30+ days late. 
-The monthly payment history shows that no payments were made late. 
-The account was paid off early. 
-Transunion dispute # XXXX resulted in confirming the incorrect information was correct. 

This account should show as closed and paid on time.