davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

To Whom It May Concern, The reason for my dispute is NCA # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCA is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCA is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NCA has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AR)

Though I still have my credit card with me, somehow my information was stolen, perhaps by a gas pump card reader, which I suggested to the credit card investigator, and a charge of XXXX dollars was used against my card. The credit card company called me and told me about suspicious activity and I immediately cancelled the card and was sent another one. They did not suggest me filing a police report, so I did not think about it. An investigator did call and I suggested maybe my card info was stolen by some type of card reader. The purchase was made on XX/XX/XXXX and the info state XXXX XXXX XXXX XXXX   XXXX, PA. I have never been to Pennsylvania, let alone XXXX. I tried to explain this to the investigator..What they are claiming, since I never lost the card, that it isnt fraudulent Which is obviously not the case, somebody stole my identify info. I have records showing I was at work here in Arkansas when the purchase was made in XXXX, PA. I would love to match my signature with the bill of sail. This is ridiculous.
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (TX)

I`m disputing these accounts below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

TD Bank- account # XXXX this account is in violation of the credit reporting act &  passed the 4 year of Statute of Limitations of Civil Practice and Remedies Code, S.16.004 reporting for the state of Texas. Per my records, the creditor previously verified this debt as valid. So, I sent the creditor a letter requested a copy of the legal binding contract signed my me and or offer settlement of this debt for deletion. This letter was sent certified mail on XX/XX/2019 and received and signed by XXXX XXXX and I have not received no response and its been 45 days or more. I enclosed a copy of the certified card, for proof. Based on this information, this account need to deleted. In addition, the balance was updated XX/XX/2019 showing this is a current debt for 2019, which is also inaccurate, because the balance as not changed.
Consumer complaint received 2019-09-23
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: Experian Information Solutions Inc. (IL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-09-23
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)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
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. (VA)

When I applied for a car loan I was denied because my credit came back bad. When I looked m my credit report I saw several things that were not mine and should have never been on my credit : 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. I was instructed to contact the police department locally and FTC, and I've done both.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2019-09-23
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. (FL)

On XX/XX/XXXX and XX/XX/XXXX I made payments to bank because I was closing my account and moving out of the country on XX/XX/XXXX I went to the bank to pay any outstanding debt because I was Closing my account before I left, the account manager called the XXXX credit card department she gave me the phone the lady ask to confirm that I was closing the account I said yes, I asked do I owe anything else she replied no. 
So I think everything is fine so I left the country, a couple of months later I get notification on my phone saying I owe money I thought it was a scam so I didn't log on and i deleted it. 
On the phone app I can see my accounts that are open they don't show a closed account so I have no idea that I owe money on a CLOSED account.MY wife had returned to the states so I had her check at the bank to see what was going on they said yes that I owed {$260.00} dollars didn't seem right but I told her to pay it thinking problem solve but no they didn't tell her that the total amount was {$380.00} so I got more dings on my credit report when I returned to the states and spoke with branch manager she said nothing they can do and that they would return all the fees and interest charges which doesn't help my credit.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, Equifax and XXXX   removed. Specifically, accounts that are 7 to 10 Years old or more are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

One day, surely over month into my 6 policy period with progressive which I pay upfront, i received a letter stating I owed {$100.00}. Numerous attempts on the phone and requesting supervisors to explain this charge, resulted in nil. They continued to constantly call, back to back, even on weekends without an explanation. Again, this was a 6 month policy that i had renewed and had no changes. They eventually sent to Caine and Weiner, who called and gave they impression they were law enforcement. When they would call, they would mumble who they were so you really couldn't determine who it was or what it was about. They then sent me a letter stating debt collection owed, but no explanation. I sent a cease and desist letter to them on XX/XX/23. They once again communicated via mail XX/XX/23, clearly in response and in violation of my cease and desist. Same letter, no explanation. Both parties have violated the CFPB regulatory rules.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Kindly repair or remove the following items in my file immediately for they are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am appalled by your disregard for my requests to investigate and remove inaccurate information from my credit profile. Despite multiple letters, including my previous attempts to resolve this matter, you have failed to take action. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to honor such requests promptly. Your ongoing negligence is a clear violation of this law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account Name : XXXXXXXX XXXX Account number XXXX Account Ending In : XXXX Account Name : XXXX XXXX XXXX Account XXXX account ending in : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account ending in:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account number XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account 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 2023-03-17
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. (TN)

In accordance to the Fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following inquiries to be deleted 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 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 2021-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There was no option to complain or dispute this situation with Transunion. I called and scoured the website, no relief. I take great care of my credit score, I score in the 800 's. I have virtually no credit card debt but whatever I do use on the cards I immediately pay off. I sometimes use my XXXX card for business purchase and pay it right off. Transunion for some reason hits my credit score for -40 or more points. No other agency does this to me. I never complained, it takes a month for the new reporting to come back to normal. This time, on XX/XX/2021 transunion destroyed my credit score knocking it down 69 points. It was a {$3400.00} purchase and they destroyed my credit. There is no reason for that. this is {$3400.00} of {$12000.00} limit ... mind you, I already paid the card to {$0.00}. It's less than 10 % total utilization. I have 100 % payment history everywhere. No other agency does this. Transunion is performing unfair reporting and I deserve to know why. They are also doing this at a time when I'm in the market to buy a house.
Consumer complaint received 2023-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Upgrade, Inc. (PA)

Upgrade initially approved me for a line of credit of {$4000.00}. They have now three times lowered the credit limit due to their predatory monitoring of my credit and my credit score. They have now lowered it again despite the fact that I have never missed a payment. In addition, the account is set to automatically deduct payments from my checking account so there is no reason for them to lower my credit line. Even worse, they will lower it to the current balance each time which is not in good faith. These terms were never stated when I was approved for the account. I am going through a divorce so I am in a difficult financial position so they should not be penalizing me in the first place but certainly not as a result of factors that are out of my control. In addition, they never withdraw that money in a timely manner. It is supposed to be withdrawn approximately on the XXXX but they take many days sometimes to actually make the withdrawal which leaves me in a vulnerable situation because my account could suddenly drop unexpectedly.
Consumer complaint received 2022-03-30
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: LEXISNEXIS (IL)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately :
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof XXXX the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-03-24
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. (NV)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1500.00}
Consumer complaint received 2019-05-01
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. (CO)

Transunion is reporting incorrectly that I am 60 days past due on XXXX/XXXX partial account number ****XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.