davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NY)

I received a collections notice from First Credit Services , Inc. of XXXX XXXX XXXX, XXXX, NJ XXXX with phone number of XXXX dated XX/XX/2019. This collections notice listed the Creditor as XXXX XXXX - XXXX XXXX with an amount due of {$130.00}. I called First Credit Services upon receipt of this collections notice and inquired about the debt. The representative who I spoke to was unable to provide information on the claimed debt with the exception of the Creditor 's Name and the amount due. I asked to speak to a supervisor and was unable to because they said the supervisors were busy and it would require a call back. 
On XX/XX/2019, I mailed a letter to First Credit Services , Inc. at the above address, and requested that they itemize the claimed debt. I informed them in this letter that I was disputing the entire amount of the claimed debt and that I had received no bills for this claimed debt. To date, they have not mailed me the requested itemization of the claimed debt. 
On XX/XX/2019, I mailed a Money order for the amount of {$130.00} made out to First Credit Services , Inc. to XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX which is the address listed as the payment address in their collections notice. This money order was mailed certified mail and they received the money order on XX/XX/2019. 
They mailed me a letter dated XX/XX/2019, which stated that the account has been Paid In Full. On XX/XX/2019, I received notification from one of  my bank cards that their was a derogatory item put on my credit report. This item was from First Credit Services and is pertaining to above mentioned claimed debt. To date, First Credit Services has not sent me the requested itemization of the claimed debt by mail as is required by law.
Consumer complaint received 2019-07-26
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. (TX)

The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX TX ), XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) 3XXXX, XXXX XXXX - only XXXX report this account, XXXX XXXX XXXX - only XXXX
Consumer complaint received 2019-07-26
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: CITIBANK, N.A. (MA)

In my first complaint I asked citi bank to delete an inquiry that its on my credit report placed by them, they replied by telling me that they werent going to delete the inquiry because my information matches with what they have. I told them that I never allowed citi bank to do a hard pull on my credit report and that I need them to provide me with the permisible purpose, I want citi bank to prove to me that I initiated this application like they are claiming because they do not have my authorization to do so, citi bank doesnt have permisible purpose and according to what the law says and what the FCRA says permisible purpose is required. Citi bank and any other bank have to go by what the FCRA says, they told me on their correspondence that they feel that the application was initiated by me, I want citi bank to prove to me that it was me and not someone else, I will file complaints on every single place that I can if this inquiry is not deleted because this is erroneous reporting and I am 100 % certain that I never initiated an application with citi bank. This is not like what citi bank says, this goes the way that the FCRA says.
Consumer complaint received 2019-10-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TFC Credit Corporation of California (CA)

TFC Credit should not have been reporting me late because they had already sold the debt. This company did not have the debt for many of the months that is showing over 90 days  late. This needs to be correct. They did XXXX the balance but told me I would need to file a complaint.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute with XXXX and submitted a letter from the Bankruptcy Court who stated and verified they do not share personal information to third party agencies. I have not given XXXX any rights to share my personal information nor have I signed a release to release my information. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor or Court to receive and publish my personal information.

2. The contact information for the Court that provided my personal information 3. The name of the person who verified the item to you and proof of my signature that you had permission to search for my information, publish it and share my personal information.

4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth and a signature.

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2019-07-26
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)

The credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX ( Original Creditor :  XXXX  XXXX XXXX XXXX TX ), XXXX   XXXX XXXX ( Original Creditor : XXXX AT XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX - only Equifax report this account, XXXX XXXX XXXX - only XXXX
Consumer complaint received 2019-07-26
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. (TX)

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-07-26
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. (TX)

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within 15 business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-07-26
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)

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within XXXX business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-07-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , XXXX   XXXX XXXX,
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Several months ago i tried to get a old Kohl 's account removed from my credit report. I tried several times disputing with the credit bureaus and nothing changed. I called and spoke to Khols and tried to get it removed but instead the added a charge off to every month from XXXX to XXXX. That dropped my score 50 points over night. I tried again to speak with them and a associate # XXXX agreed to do a pay for delete. I paid the overdue balance and was immediately told that they do not do that. They agreed to this on their own recorded line several times but refused and still refuse today. I paid the balance as agreed, now the need to remove it from my credit report like they agreed to.
Consumer complaint received 2019-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. XXXX XXXX - if this account is for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error 2. remove the following accounts because the payment did not show the correct payment history. The student loans were assigned to government and should not reflect a late payment on it XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX  XXXX XXXX,
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America placed my account into a fraud account do to not having enough money in my account, I was never told that my account was fraud until I tried to open a account with XXXX XXXX. this is defamation of my character and I am not happy because I have never done anything that was fraudulent.
Consumer complaint received 2021-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (IN)

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Opp Loans, to XXXX, XXXX and XXXX. I discovered over 34 Errors. Which indicates that OPP Loans broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019. I sent to letter on Opp Loans via Certified US Mail, inquiring about the account reported to the Credit Bureaus. They responded XX/XX/2019 sending me a summary of the account and none of the information I requested for Validation. They have added a new line of credit while in dispute which is detrimental to character. They contacted me Via Phone XX/XX/2019 apologizing and admitting their mistakes, unfortunately my credit has already been challenged and they have not issued this apology in writing.
Consumer complaint received 2021-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

2. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

3. Identity Theft BK OF AMER Account Number : XXXX**** This is not mine.

4. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

5. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.
Consumer complaint received 2019-07-25
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. (UT)

XXXX XXXX # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My capital one 360 account was frozen because of a transaction that took place a week before. I sold property to a guy on a website and gave him my property and accepted XXXX as payment. The payment came in fine. I went to make a purchase and my card would not work. My wife looked online and it said to call them. I called and I was on the phone for about a hour while they figured out who I should talk to. Finally I ended up at the fraud department I told him what was going on and that I have proof of why this money was in my account. He told me that capital one was not going to do business with me anymore, and that when this is done they will mail me a check. He didn't give me a email or anything to send in my proof of innocents, and basically told me to deal with it. My direct deposit is set up to go into that account, I could not change it in time, right now I did not have any money in other accounts. I tried to contact the other person and got no response. I contacted the website administrators, told them what was going on. They said they could freeze the other partys account if I could provide them proof my account is under investigation for this transaction. I called capital one back. Got to the fraud department. They said they would not put why my account was under investigation in writing. He told me to file a police report and subpoena the reason from capital one. I went to file a police report they said I could not file a police report unless I had proof that this individual stole money. I tried to call capital one back, they left a note on my account to transfer me to a answer machine in the fraud department. Nobody at capital one can tell me what's going on, or who I can send my innocents to. I am now completely powerless and broke.
Consumer complaint received 2019-07-25
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 XXXX XXXX requested that Equifax investigate a company on my credit report. XXXX XXXX. I have no knowledge of this account and i have sent certified letter to the company and eqifax and neither company have sent me proof that this company or validated this was my depth. XXXX XXXX signed for the letter so i know they received it. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

I received an unsolicited email from TrueAccord about a debt owed to XXXX XXXX. The email was addressed to my email address, but also addressed a different person by name, XXXX XXXX. I thought it might be a phishing scam and researched TrueAccord online. I read that TrueAccord is very difficult to deal with and usually requires a lawyer to get them to stop harassing you. This seems incredibly unjust to me. I'm afraid contacting them directly will only result in more harassment.
Consumer complaint received 2022-01-12
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Consumer complaint received 2019-07-25
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. (UT)

XXXX XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Consumer complaint received 2022-10-06
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. (AL)

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 XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXXF XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.