davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (GA)

I checked my credit report and notice this collection account on my report that is fraudulent, haven't been properly verified, reporting frivolous and inaccurate information. 

The collection agency purchased a fraudulent account that was removed off my credit report due to being a victim of identity theft back in 2015 I sent the creditor and the credit bureaus proof of this information and the account was removed however this is over 6 years later and this new company is now reporting the inaccurate information. According to the FCRA LAWS ensure that bureaus report only 100 % accurate credit information. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2022-06-02
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: CITIBANK, N.A. (OH)

On XX/XX/XXXX a fraudulent charge of {$3600.00} was made on my citi bank credit card. I called citi bank the same day ( XX/XX/XXXX ) to report the fraudulent charge. On XX/XX/XXXX the card with the fraudulent charge was closed and I was mailed a new card. The following week the charge was posted to my account. After disputing the charge Citi bank claimed I am responsible for this charge even though the card has a zero fraud liability clause. A police report was filed with the XXXX XXXX, Ohio police department regarding the fraudulent charge.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (GA)

Please TAKE NOTICE that several correspondences has been sent to this company since XXXX. This account has been paid in full. Yet nothing has reflected that the account has been paid, in addition to I continue to receive bills that does not adequately reflect that this account has been paid. Further interest fees has been charged and it is reported on my credit that I have not paid, when I have in fact paid this off in full. Please be advised that if this matter is not settled within the next 30 days that legal action may be pursued.
Consumer complaint received 2022-12-29
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-03
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: EQUIFAX, INC. (FL)

I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

I owe a XXXX  debt from 3 years back that went to collections. I received a phone call from the collection agency where is I asked what would be the lowest amount they would settle for. The first representative I spoke to said she did not know and when I offered an amount she told me that was too low. I again asked her what was the amount they would take to which she again said she didnt know. Which I thought was funny. How you didnt know the lowest amount that I could pay but you knew what to not accept. She then told me I needed to pay the full amount which was the original debt plus the interest their company was charging me ( I didnt know you could charge interest on medical debt ) I hung up and called later to speak to a supervisor who told me that they were just partners with the original debt owners and that they did not own the debt. Told me the original people wanted the full amount plus the amount of interest that occurred from the debt collectors end. I called the original medical office who then told me that they do not own the debt anymore the debt collects do and that I would have to work out an amount with them ( which showed me the debt collectors lied to me ) they refuse to negotiate a 3 year old debt saying I had to pay the full amount, plus the interest. Which again Why are you charging interest on a medical bill and I do not recall interest being mentioned in the contact I signed with the medical center to be honest I dont even know why the bill was high I only went there once and they didnt do anything to me but put me on vibrating bed. So Due to them lying to me about owning the debt and not trying to negotiate with me I write this complaint. For kings credit services in XXXX ca. the original amount was XXXX they want me to pay XXXX with the interest included.
Consumer complaint received 2022-06-02
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. (SC)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and 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.
Consumer complaint received 2022-06-02
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and 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.
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Ending account number 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
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$67.00}
Consumer complaint received 2024-03-18
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. (TN)

I am writing this complaint regarding an account that I have disputed consistently furnished by XXXX XXXXXXXX XXXX An investigation was commenced by TRANSUNION because I filed a complaint to the CFPB reference number : XXXX. The complaint was about my demand to remove the XXXX XXXX XXXX XXXX for the persistent reporting of inaccurate account information reporting on my credit reports. today XX/XX/XXXX, I recently received a up consumer disclosure report from TRANSUNION with new and updated information regarding the account with XXXX XXXX that was in dispute. The account that TRANSUNION reinvestigated came back once again verified and updated bearing the same inaccurate information I disputed initially. They are verifying inaccurate information which is why I demanded for the tradeline to be deleted from my credit report initially. TRANSUNION is not complying with what I have requested. I wanted the account removed because they keep reporting it inaccurately. They are violating my federally protected rights and continues to state that the account has been verified as accurate when in fact it is not. I have already described to them in details what the inaccuracy was. This account is still reporting inaccurate late payment notations which continues to state that I was 120 days late for both XX/XX/XXXX and XX/XX/XXXX. " 120, 120 ''. This is misleading and INACCURATE. I want this account deleted from my credit report immediately. A person can not be 120 days late the very next month because the number of days increase every 30 days which should have stated " 150 '' days late reported as " 120, 150 '' not " 120, 120 '' this is wrong and a violation of the FCRA section 605. 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days receiving a consumer 's dispute. I would like to know what was verified and updated. Can you send me a description of what you verified regarding this account? XXXX XXXX XXXX | Account Number : XXXX. Provide the description of the procedure used to reinvestigation this account. If you can't, delete this account immediately.
Consumer complaint received 2022-06-02
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. (VA)

On XX/XX/2022, my mail began to be forwarded to a fraudulent person/address. One item of mail that was forwarded was an unsolicited credit card application for a XXXX XXXX XXXXXXXX credit card. After realizing this was a fraudulent forward request, the USPS stopped the forwarding. A new credit card from XXXX XXXX XXXXXXXX showed up at our house. This account was opened using the fraudlently forwarded credit card application. When I called XXXX XXXX  XXXX to alert them to the fraudulently opened card, they assured me that the card would not be activated and would not show up on my credit report since we caught the issue before the card was activated. Unfortunately, this was an absolute and utter lie as the card was opened and activated after that phone call. I have reached out to experian and XXXX to have this card removed from my credit report and they refuse to take it off because XXXX  XXXX XXXX says that it is a valid account. I currently have a report in to the sheriff 's department of XXXX XXXX regarding this mail fraud. 

I have attached the receipt that shows I submitted a police report. They have not yet assigned someone to the case. 

I also have a confirmation number from XXXX  XXXX XXXX from when I reported this fraud and they told me the account was never opened. Case # XXXX
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I have contacted the Credit Bureaus regarding their reporting of bankruptcies listed on my credit report. Initially they told me that the listing were being reported by XXXX XXXX and I needed to contact that company. I have contact XXXX XXXX as well as my local bankruptcy clerk of court. The clerk of court has responded that they do NOT report to any credit bureau and I have contacted XXXX XXXX who has confirmed that they are NOT reporting any bankruptcies on my credit bureau however, the bureaus continue to report 2. When I ask for verification they send me a letter stating that it is confirmed and that they will not reinvestigate.
Consumer complaint received 2024-03-18
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. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2021-09-04
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 three requests to investigate and send proof of inaccurate information on my credit profile on XXXX and XX/XX/XXXX and have yet to receive and proof. I am looking to purchase a house and this is preventing me from accomplishing my dream
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX {$200.00} posted on XXXX XXXX XXXX  XXXX XXXX {$250.00} posted on XXXX XXXX XXXX XX/XX/2021 {$250.00} posted on XXXX XXXX XXXX  payments was dispute credit fast pay because I didnt know who fast pay was XXXX XXXX. 
XXXX XXXX posted on XXXX XXXX XXXX phone bill posted XXXX XXXX paid {$710.00} to XXXX XXXX XXXX phone bill. 
XXXX XXXX Dispute credit reversal fast pay for a total of {$710.00} paid back to fast fast pay when this amount already bing paid to XXXX XXXX XXXX posted on XXXX XXXX in the amount of {$710.00} including monthly bill of {$190.00}.
Consumer complaint received 2022-06-02
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)

XXXX XXXX approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.
Consumer complaint received 2021-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TX)

I would like ALLY FINCL to show proof of verification that I owe them {$3900.00} with the account above. To my knowledge, this account has been paid. ALLY FINCL is reporting inaccurate information on my credit report. I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?
Consumer complaint received 2022-06-02
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. (NC)

Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.
Consumer complaint received 2022-06-02
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. (NC)

Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.