davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

XXXX and Experian is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. XXXX and Experian says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal reporting.
Consumer complaint received 2021-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (MO)

On XX/XX/XXXX, I went online to apply for a small loan. I started putting in my information, name, address, where I banked etc. Then I got to a part where they asked me for my Banking username and password. I decided nope, not doing it so I left the website. They immediately called me and I explained to them that I wasn't comfortable giving that info and I had changed my mind about a loan. They continued calling until I had to block them. Meanwhile i was also receiving e-mails from them stating that I needed to mail them more information to complete the loan. I continued to ignore them. Today XXXX XXXX, XXXX I received a text message from them that said, Welcome to Best Egg! Your account # is XXXX Your first automatic payment is scheduled on XX/XX/XXXX for {$68.00}. View your account details at XXXX. I called them 3 times. The first lady hung up on me, the second lady said it was my fault because I gave them my bank info to just pay it back! I did not consent. XXXX  over it!!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time. I have provided bank statements and payment confirmation receipts as evidence, which clearly show that the payment was processed and sent before the due date. 
Despite providing these supporting documents, the late payment was inaccurately recorded on my credit report by Experian. 
Although I followed the correct dispute process as per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date.

Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I contacted XXXX regarding an issue I was having with a refund but unbeknownst to me was connected to a fraudulent call center. They asked me to open Zelle on my bank account and enter some code numbers to confirm my account for the needed refund. At the time I did not know what Zelle was or what it does and was defrauded out of {$3500.00}. 

When I contacted my bank ( XXXX XXXX XXXXXXXX ) more than once on the same issue, I was told there was nothing they could do and the charges could not be reversed. Trying to contact Zelle directly is impossible, as they just refer you back to your bank. 

I filed a police report with city of XXXX XXXX XXXX report number XXXX on XX/XX/2021
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (TX)

XXXX XXXX XXXX representative essentially stole our " trade-in '' phones without the company every providing the agreed upon service discounts. We attempted to resolve with the company over several months. We finally terminated services and the account was turned over to collections. We disputed the account directly with XXXX XXXX XXXX and the collection agency. XXXX XXXX XXXX offered to remove the collection in exchange for a release of their liability. After agreeing to this resolution, XXXX XXXX XXXX never sent the release and simply transferred the debt to a different collection agency ( AFNI ). In every way, this organization has acted in bad faith from the service initiation more than two years ago until the present day. We have spoken with several XXXX XXXX XXXX representatives who acknowledged that they have heard of similar situations of people being " screwed '' ( actual XXXX XXXX XXXX employees ' words ) by home representatives ( that come to your home when you're having services installed, e.g. internet/VOIP, and upsell additional services ).
Consumer complaint received 2022-01-26
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)

Dear CRAs/XXXX ; Experian ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (WA)

I settled with a debt collector regarding a medical debt totaling {$1800.00}. We agreed I would pay {$1200.00} which I did on XX/XX/2020. The debt collector was XXXX XXXX XXXX and the gentleman offering the settlement was named XXXX XXXX, phone number XXXX. 
I recently rec 'd a letter from a different debt collector, Radius Global Solutions, stating I owe the difference of {$540.00}. I do not. I've attempted to contact XXXX  by phone and no one answers, I tried chat.. no one answers. I've called the original creditor , XXXX XXXX XXXX, who can see that a debt settlement was reached in 2020, but would not help any further with the debt collector.
Consumer complaint received 2022-03-04
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make any charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


Fraudulent/Negative Accounts : XXXX XXXX  Account Number : XXXX Account Opened : Balance : {$330.00} Fraudulent/Negative Accounts : XXXX XXXX ACCOUNT NUMBER : XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX ] XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXXXXXX DATE : XX/XX/XXXX
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

All 3 credit bureaus have a debt listed under my name for a cable bill from XXXX services for a house in North Carolina. I live in Maryland, and I have never lived in North Carolina. Also, the name on the bill is not my correct name. This bill was sold to a collection agency called I C SYSTEM for the amount of {$530.00}. Their contact info is : IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. 

I have called them and disputed the claim and they refused to remove the debt from my credit report. I have disputed this information with XXXX and the debit was not removed from any of the XXXX credit reports other than notes saying : Account information disputed by consumer, meets FCRA requirements. How do you dispute a bill that does not belong to you when the period in time the bill was accrued you did not live in the state in which it was accrued, never lived their. Lived in MD for over 25 years. Never owned property outside of Maryland. Also XXXX does not operate in Maryland ... Seeking help taking this false debt collection reporting off from my XXXX credit reports. This is gross abuse of my civil rights
Consumer complaint received 2022-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (VA)

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX  XXXX
Consumer complaint received 2022-03-04
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make any charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


Fraudulent/Negative Accounts : XXXX XXXX Account Number : XXXX Account Opened : Balance : {$330.00} Fraudulent/Negative Accounts : XXXX XXXX ACCOUNT NUMBER : XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX ] XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATEXX/XX/XXXX XXXX DATE : XX/XX/XXXX
Consumer complaint received 2022-03-04
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. (VA)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX  XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXXXXXX XXXX XXXXXXXX