davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

National Credit Systems refuses to send me the information that I have requested to verify that they have the right to collect a debt on behalf of the XXXX at XXXX XXXX, the original creditor. 

They sent me an invoice that was generated but has no signature from the original creditor nor a signature from me. They also won't send me any information on their agreement with the original creditor to collect the debt on their behalf. 

I do not owe this debt. I do not remember owing this amount and I remember having paid the full amount upon moving out years ago.
Consumer complaint received 2023-05-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (IL)

I am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent them over 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681CXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-02-01
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-04-22
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: Early Warning Services, LLC (TX)

I have submitted a dispute to Early Warning Services several times now and the false inaccurate information still remains on my report. As i have stated to Early Warning Services the information being reported from XXXX XXXX about a XXXX Checking account, and from XXXX XXXX XXXX for Checking, Savings and Investment accounts are incorrect on the Consumer report they provide. I have made several attempts to contact them and instead of reading my concerns they continue to say the information being reported is accurate. Even though these accounts were opened as a result of the identity theft that had occurred to me. Which i have also informed them. 

These accounts XXXX XXXX XXXX, and XXXX  XXXX XXXX, as well as XXXX XXXX, and now i am seeing a XXXX account all were opened as a result of Identity theft. I never lived at XXXX XXXX XXXX XXXX, Tx XXXX nor XXXX XXXX XXXX XXXX, Tx XXXX. It's also good to note i have reported this identity theft to the FTC which i will attach. As the XXXX information XXXX XXXX is reporting is that these accounts were " Closed for a Cause '' which is affecting me from obtaining another checking account. These account 's were never opened by me, and in fact i did file a identity theft claim with XXXX XXXX. XXXX XXXX Advised me they were " Researching '' Never responded to my claim and i have marked that in my Identity theft report as well. I have never banked with XXXX XXXX, Nor XXXX  XXXX and i want this information removed from my report with Early Warning Services.  XXXX XXXX told me they never reported any Account information to EWS even after showing them proof. So please review and remove these accounts opened as a result of identity theft.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete this immediately : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-21
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. (NC)

The Experian Credit Bureaus have been ignoring my dispute letters and CFPB Complaints that I have been submitting to dispute the fraudulent accounts and information from my Credit File. How many dispute letters and CFPB complaints do I have to submit to the Credit Reporting Agencies to inform them that I have been a victim of identity theft. Under the Fair Credit Reporting act section 605b, the Experian Credit bureau is required to remove any fraudulent accounts and information from my Credit file. However, in my case, the Experian Credit Bureau have been doing nothing! They haven't removed the disputed accounts, they haven't sent me copies of proof of verification, but they still continue reporting the disputed accounts as accurate and verified by the Creditors themselves. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Experian Credit Bureau. In the event that Experian Do not comply with the Federal Regulation, please expect a lawsuit. If removing the disputed accounts is easier than dealing a lawsuit, I need the Experian Credit Bureau to remove the following accounts as soon as possible : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (LA)

In accordance with the fair credit Reporting act XXXX XXXX Account opened XX/XX/XXXX and XX/XX/XXXX, has violated My rights 15 USC 1681 Failure to report complete and accurate information. In XXXX XXXX XXXX TransUnion all reported that I had a past due balance on a charged off account which is incomplete and in accurate and in violation of 15 usc 1681. Both. XXXX and XXXX show payment history mean while TransUnion shows no history which is also inaccurate and complete which is in violation of 15 usc 1681
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my nameXXXX XXXX XXXXXXXX is the bank and the Plantiff is noted as MIDLAND CREDIT MANAGEMENT INC. 
On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police Dept . I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact XXXXXXXX XXXX XXXX  with no success due to it being outside of their business hours.
Consumer complaint received 2022-10-21
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. (LA)

The Credit Reporting Agencies have became ignorant and negligent of the Fair Credit Reporting Act and have been claiming that the information the Credit Bureaus report are accurate and verified by the creditors. Well, I have had enough of their fallacy and I am taking advise from my legal counsel and we are ready anytime to file a lawsuit against the Credit Reporting Agencies. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I have not received any response from the Credit Bureaus and they have been continuing to report the disputed accounts as accurate. Once again, I am ordering the Credit reporting agencies to remove the following accounts completely from my Credit File : XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

My legal name has been changed with all of my government documents, and I have been trying to get each of the credit bureaus to recognize my legal name change. I have reached out to each of them multiple times via phone calls, mailing in documents, and even files disputes online. And still my new legal name is not reflected on my credit reports.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (TX)

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
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. (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 am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

On XX/XX/year>, a person presented a check deposit and received cash back ( {$1800.00} ) at PNC Bank in XXXX XXXX, MD. I received a letter from PNC on XX/XX/year> advising me the check deposit was returned due to account closed. Since no deposits were from me, I decided to go to PNC XXXX in person where my account was opened. The XXXX shared the deposit ticket and cash withdrawal from my account. Basically, the person drained my bank account. PNC agrees this was not my signature on file so I closed this account and opened a new one. We filed a fraud claim and I was advised the funds would be deposited to my new account within XXXX days. It's been over 2 months and I still do not have the money. I've contacted PNC numerous times, spoken with the branch manager at the location where funds were stolen, been in touch with the VP Client Relations at PNC. I'm told, this is still under investigation. I'm unclear why? It was not me and the signature does not match! I was also advised to obtain a police warrant in order to see the video footage and prove this was not me. I'm working on this now but feel a forged signature should be good enough. PNC is also charging {$15.00} bank fee on old account where $ $ was taken. Any help is greatly appreciated.
Consumer complaint received 2023-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

XXXX send me to a collection agency Sunrise Credit Services, I talk to them I explain what happen. XXXX send me a Scan to return the phone I have the slip to probe they received the phone, but they still send me a bill for {$800.00} and I know the phone is already in use for another costumer.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have 2 capital one credit Card accounts 1 ) Capital Platinum account ( XXXX ) - Limit 2 ) Capital one QuickSilver ( XXXX ) I have never paid late payments on these accounts My accounts got closed due to multiple return payments ; I have never made late payments and all of the hassle because I accidentally used the wrong saved account on my profile to pay my card multiple times. I have paid off the balance on the quicksilver card and I still received an interest charge - ON A CLOSED Credit card, I am not paying off my other card yet - since I am not sure what another interest is being charged Please reopen my credit cards- I am not asking for much since I always make on-time payments and have not shown any financial instability. 

I called Capital One as well at night but their representatives were unavailable. I have never made late payments and all of the hassle because I accidentally used the wrong saved account on my profile to pay my card multiple times.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Complaint : Capital One has unfairly paid me a lower rate of interest than other customers for several months and refuses to reimburse me for the lost interest. 

On XX/XX/2022, I logged into my Capital One 360 Saving Account to review activity. I noticed on my most recent statement that I was only earning 0.30 % APY on my funds. However, on their website, Capital One was advertising that they offer 3.00 % APY on all funds held in Capital One savings accounts. 

I immediately called Capital One savings customer service to inquire why I was being compensated far less than their advertised rate. The customer service rep explained that my account had been discontinued some years prior and, because of that, the interest rate was never updated. 

The customer service rep explained that I should have been notified of the discontinuation. I searched my records ( email, phone, text ) and I have absolutely nothing about updates to my account. I asked the customer service rep to retroactively amend my account status and reimburse me for the interest lost but was refused. 

After lodging a complaint with XXXX ( as requested on the BBB website ) I was informed that no notification was ever sent to me regarding my account status and that they refuse to reimburse me for the incremental interest I did not receive. 

I find this practice extraordinarily underhanded. I suspect that Capital One is intentionally opaque and deceptive about account servicing with the hope that their customers will not notice that they are receiving a far lower rate of interest than they are paying other customers. When Capital One discontinued my account, I should have been notified, and automatically placed into an account that pays a market rate of interest. Instead, I am out several hundred dollars of lost interest payments. I suspect other customers have suffered this as well. 

I hope to hear your thoughts on this. Please let me know if you need additional information.
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (MN)

In accordance with the Fair Credit Reporting Act XXXX Account US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX 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 rights 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.
Consumer complaint received 2023-06-21
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.