davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I am writing to dispute a fraudulent account with National Credit Systems that has been listed under my name in my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete the account from my credit report, as I do not have any contract with National Credit Systems, nor is any money owed on my part. 

This is fraud and damaging my credit report unfairly and I wish to prosecute.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 u.s.c 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said accts  have 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 written instructions. 15 u.s.c 1681 c. ( 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 7 years. 15 u.s.c 1681 S-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 2023-08-22
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. (GA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-12-07
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. (TX)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/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
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was purchasing shoes service from PayPal and I send it through friend and family instead of good and service. So PayPal say they cant do anything about that. It was on XX/XX/2023. The amount was XXXX. I did report through PayPal and they cant do anything. I was scam.
Consumer complaint received 2023-05-17
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. (TX)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate/fraudulent account information that remains on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.I have sent multiple letters to the credit reporting agencies disputing the accuracy of the account information, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.I have also sent a letter to the creditor disputing the account and demanding the immediate removal of the account from all credit reporting agencies, as well as provided documentation such as a copy of my FTC Report, police report, and other documents allowable by law to support my request to this creditor regarding this error. The creditor has failed to respond to my request. Despite my efforts, the inaccurate / fraudulent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2023-08-20
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. (NY)

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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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

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

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I applied for a personal loan through Title Max located in XXXX XXXX, Texas. The total loan was {$1500.00} and I was told I would have to pay back a little over {$2500.00} including interest. I have now been paying on the loan since XXXX and have paid {$2500.00} but still have an outstanding balance of {$2000.00}. I contacted the customer service number and they advised to me to read my contract. I advised them I read the contract with the loan person and agreed I would pay back the {$2500.00}. I dont know what to do now. I can not afford to keep paying this loan. If I do, I would have paid over {$5000.00} and I know I wouldve NEVER agreed to that.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX and Experian. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am attaching the letters and supporting documents in this complaint.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by LVNV Funding LLC. In XXXX of XXXX, I became aware that LVNV had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation, Specifically the original signed contract, validating this debt in accordance with the FDCPA. They failed to produce that contract or any documentation that would meet the standard of validation set by the FDCPA. They claim to have completed multiple reinvestigations, but they still could not produce those documents. According to the FDCPA, if a collector fails to validate, they must delete the disputed account from the consumers credit report. LVNV Refused to comply with this requirement. For over two and a half years, I have gone back and forth with this company to get them to comply with the law. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, LVNV Funding expressed their intent to violate state law and continued collection action on this debt. Since LVNV Funding has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (MO)

Currently Reporting on XXXX and XXXX 1 ) Navy Federal Credit Union Amount {$25000.00} *Date opened XXXX XXXX. 
*Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 2 ) Navy Federal Credit Union {$2100.00} *Date Opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 3 ) XXXX amount {$710.00} account opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/2019 Wells Fargo responded my complaint regarding never paid promotion bonus {$1100.00}, fraudulent checks {$750.00} as well as other claims caused by XXXX XXXX XXXX county State of XXXX   {$120.00}, {$140.00}, {$45.00}. Never received tax refund due to wrongful termination of my accounts by slander. I have contacted Wells Fargo Resolution Team at XXXX and XXXX by speaking with XXXX twice on XX/XX/2019 and XX/XX/2019. She refused to pay. I also sent three emails to both CFPB and Wells Fargo asking for payment. However I tried my best, but so far Wells Fargo still ignore all claims referenced above. I have no choice but to take action again for debt collection. See attachments.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX  is reporting to Experian that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, XXXX and Experian are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with Experian about this. Experian has claimed that XXXX XXXX  certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (IL)

i received an alert regarding a past due alert and i called all of the places that im aware of open accounts and i am in good standards with all so i was told to call XXXX since that where the alert was coming from that's when i was told where and what was going on which was devastating because i've been working consistanly on my credit to get it and keep it in good standards only to become a victim of identity theft i have no XXXX XXXX XXXX  service nowhere and they should not be reporting on my credit i am a victim of identity theft
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (WI)

I used XXXX to got to a basketball game and ever since then I have been charge XXXX a month I called them on several occasions and they hung up I told them I did not authorize the money they are taking from my account I have my own car I use it only when convenient. Maybe one a year no other need to use it like I said I have a car. I called my card company Chime regarding the issue. I was told since I used the card to pay for the XXXX there's nothing they can do.I have never heard of anything like this I just want them to stop charging me for whatever they are charging me fir the past 4-5 months. I have called both chime and uber with no help.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in accurate.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

ive tried for the longest to shake off these accusations off credit cards, and usage of my credit. Ive went through XXXX XXXX the last 3 years surviving trying to take care of my XXXX XXXX children on my own and having XXXX XXXX I want to clear up this mouth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

On about XX/XX/XXXX I have a debt with XX/XX/XXXXXXXX that was sent to a debt collection agency ( Carter-Young ). I paid the debt directly to XX/XX/XXXXXXXX in XXXX of XXXX. XX/XX/XXXXXXXX is supposed to have reported it to Carter-Young. Carter-Young said they never received notification from XX/XX/XXXX that the debt was repaid. They kept it on my credit report when I had previously told them that it had been paid. 
I finally got XX/XX/XXXXXXXX to contact Carter-Young and report it as having been paid. 
Carter-Young reported that it was paid in XX/XX/XXXX when it was paid in XX/XX/XXXX. Carter-Young refused to adjust the payment date to the date it was paid.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, 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 sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXXXXXX  ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXXXXXX  ; XXXX/XXXX/ XX/XX/XXXX.