davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (MD)

I sent certified letters along with proof in the mail to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) XX/XX/XXXX to dispute an account reporting negatively on my credit report. This is not the first time that I've tried to dispute this account with the credit bureaus. 

As of today XX/XX/XXXX I will be sending a certified debt validation letter directly to National Credit Audit Corporation ( NCAC ) which is the collection agency in hopes that this matter is resolved in a timely manner. The account is in a negative state and is hindering my chances of purchasing a home as well as being able to relocate to any other residence of my choice. 

The documents of proof that was sent with the certified letters were the following : 1. A copy of the renewal notice where there is a " wet signature '' not signed by me which states that lease would not renewed ( shows proof of whom signed ). 

2. The residential lease agreement showing the lease end date and when tenants needed to vacate. 

XXXX. A new residential lease agreement with dates to validate move-in and when lease agreement was signed. 

All three credit bureaus began reporting this account XX/XX/XXXX. I didn't receive notification about this account from the collection agency in writing until XX/XX/XXXX. Before that time I knew nothing about an outstanding balance. However I'm aware and know the individual responsible for the debt has refused to make payments. 

Going forward the collection agency needs to provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. I need a copy of a written agreement that created my original requirement to pay. If I'm being asked to pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-26
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. (MA)

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 dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the deletion of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts DELETED XXXX : XXXX XXXX XXXX Date opened XXXX XXXX, 2007 Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, 2007 Balance $ XXXX Late Dates XXXX
Consumer complaint received 2021-06-15
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)

I have been reaching out to Experian in regards to the fraud that was being committed by reporting that I have late payments on my consumer accounts, also known as my credit report. For months I have called, sent letters, and till this day have yet to get this removed from my report. Since this was a consumer transaction that used my credit card ; my social security number, it should not have a late payment as my report should not contain factual information arising from a consumer transaction. This also infringed upon my rights as I never gave Experian the written permission to furnish this on my report as well. I feel that I am being unfairly taken advantage of. 

I am who I say I am and this is not a third party filling out this complaint. 

attached you will find exhibits to further my complaint.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

Credit Card primary user information was changed to an out of State address without consent or knowledge of owner resulting in refused repeat transaction with a vendor. 

Financial institution was contacted in person the following day to initiate a fraud investigation. Account activity monitoring was initiated and credit card was cancelled. 

Financial institution replaced the credit card a week later with a new account number and continues to monitor account activity. The period report on activity is pending to determine if any fraudulent transactions were made.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MO)

I have an account that I had in collections in XXXX, which was paid in full and closed. It was reported at that time by the collection company National accredit Adjusters as paid in full with a zero balance, and that was reflected on my credit reports. 

In XXXX of XXXX the account suddenly reappeared on my XXXX  report, displayed as Open. The account still shows as having a XXXX  balance and as paid in full, and reflects the date of my last payment, but for some reason the status is still Open in Collections, according to XXXX. I have disputed this problem at least five times now. 

I have tried calling XXXX  multiple times. I have been escalated to a supervisor, and then escalated to a manager. I have been lied to, been run around, and hung up on. I have contacted the Collection Agency and they verified that the account had been reported paid in full and closed for years, and have no idea why it has popped up in XXXX. 

I have had my physical XXXX Reports mailed to me to verify the account status is showing open still. 

I have received a letter from the original creditor AND the collections Agency verifying that the account should be shadowing as CLOSED and paid in full with a XXXX balance and both faxed and mailed all said documents to XXXX. 

XXXX  refuses to take the simple action to display the states of this item as closed. Thats all I want. Both XXXX  and XXXX have the account reflecting the correct status of closed and paid in full. How can XXXX refuse to change the status from open when they know it has been paid in full, shows as a XXXX  balance, and even have the date of my last payment?! 

The letter I have from the Collections Agency even uses the actual word, closed. 

Its infuriating. Im ready to file suit.
Consumer complaint received 2019-08-02
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. (UT)

I formally disputed XXXX XXXX XXXX  directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the  name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item XXXX XXXX XXXX
Consumer complaint received 2017-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I am an XXXX XXXX military XXXX serving in the XXXX. In early XX/XX/XXXX I applied for a Barclaycard Luxury Gold Card, specifically due to their generous SCRA benefits. I was approved, and immediately asked Barclaycard to apply SCRA benefits to my account, which they did, sending me a letter stating, among other things, that " While you 're on XXXX XXXX, the following terms apply : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' The letter ( and representatives with whom I spoke ) were clear that these terms would not change regardless of future Barclaycard policy changes, however I just received a letter stating that I will be required to pay a {$990.00} annual fee beginning in XX/XX/XXXX. In this letter, Barclaycard claims that CFPB agrees with their decision, essentially meaning that service members who signed up for this card with the guarantee of certain specific benefits now have no recourse - I find it hard to believe that CFPB would make or support such a decision.
Consumer complaint received 2021-06-15
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. (NY)

On XX/XX/XXXX I submitted a complaint to these companies. It is been 55 days and I have not received a response from the bureaus or companies listed. These companies have yet to validate my request and the negative information in my report does not belong to me. I sent a letter with documentation requesting to prove the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 55 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the XXXX and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2022-09-26
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. (MA)

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 dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$13000.00} XXXX Late Dates XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Abrahamsen Ratchford, P.C (PA)

On XX/XX/2020 I was approached but someone from Ratchford Law Group PC at my residence. I was handed a letter and was told that I was being served and that I had to make payments or criminal charges would be brought against me. The letter states that I owe XXXX XXXX XXXX {XXXX}. Under ( 15USC1692f ) a debt collector may not use unfair or unconscionable mean to collect any debt! This is the first violation. The second violation with this is ( 15USC1692e ) false or misleading representation. This letter states I owe {XXXX} but my credit report states I owe XXXX XXXX XXXX XXXX This is a clear violation and shows that this company is attempting to collect a a false amount from me that is not owed or had been validated. Under ( 15 USC1692 ( d ) no debt collector can engage in any type of harassment to abuse to any human with the collection of a debt. As I stated, someone from this company was at my home and threaten to purse criminal charges if I did not pay. Furthermore, this letter also has many violations of my consumer rights. Please find this letter attached.
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (FL)

I received a letter from Rauch-Milliken International . INC. dated XX/XX/XXXX, on XX/XX/XXXX, stating that I owe XXXX from a " XXXX XXXX XXXX XXXX XXXX '', from XXXX XXXX at XXXX XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, XXXX indicated they could not identify me, and Equifax simply rejected my request with the same response " We could not identify you. '' XXXX sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA XXXX Drivers ' License and my social security card. 

No response. I really need to get these credit reports.
Consumer complaint received 2017-06-01
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: CITIBANK, N.A. (CA)

Citibank, u sing information from when I opened an  XXXX   XXXX  card through Costco, opened  a Citibank  account without my permission ( when  Costco swit ched from using  XXXX  to  Citi ). The y then charged money to this account, without authorization, to continue a  Costco memb ership ( that I did n't wish to keep ). They then continued to charge me late fees for this debt that I never authorized.   I do n't wish to do business wit h Citibank, and t hat 's my choice as a consumer. They have no right to force me to do business with them, much less put debt on me that I did n't authorize.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN 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.
Consumer complaint received 2021-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (CA)

I have sent GM FINANCIAL a CEASE AND DESIST on XX/XX/XXXX with green return receipt which they have mailed back as you can see in my previous complaint. A cease and desist in law is used to tell the other party to stop all illegal activity and stop all communication through any medium. Today I received a deceptive form from GM FINANCIAL Pursuant to 15 USC 1692j, pursuant to 15 USC 1692c ( C ) GM FINANCIAL should only be communicating with me about terminating further efforts to collect a debt, to invoke my specified remedies which i did already and that i intend to invoke my specified remedies which i did already as well.
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/XXXX I paid my last bit of four increments of {$4300.00} ( XXXX XXXX XXXX XXXX Dollars ) to an alleged broker/landlord. 
Upon finding the listing on XXXX, I contacted the phone number which they had listed as " ( XXXX ) XXXX. 
The listers name was " XXXX ''. 
I advised him I had interest as such in viewing the apartment. 
He suggested I go to view it in person. 
He wouldnt be able to make it due to other listings he has to show other potential buyers at other locations he has for rent. He told me that I can go in person with the lockbox code in which will grant me access to view. 
Upon doing so, I went on Saturday, XX/XX/2019 at XXXX XXXX on XXXX XXXX XXXX XXXX NY XXXX. 
I viewed the apartment with another companion, I liked the apartment, I then called XXXX to inquire about the process to move in. He advised I should fill out lease application in which he will send me via email. The email is " XXXX '' " XXXX XXXX '' is the landlord and emailed me the lease application. 
I filled it out. I then emailed it, I was told to send deposit to secure the apt . 
I sent the money via ( " ZELLE '' ) She confirmed delivery of funds. 
I havent heard from them until Thursday XX/XX/XXXX in an email reply to my original email inquiring on the lease I was promised. 
I wanted to know why the past couple days, I was guaranteed to receive it, but had yet to receive it. I then got more leary, I was told verbatim, it bounce back but assistant was supposed to send it day prior. I have been " taken '' a victim of fraud a scam. 
I am a mother of XXXX young children, trying to provide shelter for my children and myself, a student and full time worker, I really hope that this matter can be escalated and resolved. Thank You very much. Post all the events that transpired, I looked at the apt online today, I see an adjustment in the listing price by XXXX $ more, also a whole new contact number. 
I have all references, a witness, texts emails, phone calls, pictures, and transaction ID time and date.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$170.00} XX/XX/2020 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (GA)

Equifax is reporting a charge-off account from XXXX XXXX. I disputed this inaccurate account with Equifax nearly 60 days ago. This report was included in an inaccurate bankruptcy account that has been deleted. Consequently, this account must be deleted/removed as the other associated accounts were.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2022-09-26
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)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, Experian the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to XXXX no respond. They are clearly in NONCOMPLIANCE with METRO2 reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.