davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc. (FL)

I have been contacted by NCB management services, I do not know who they are and I have NEVER signed a contract with this company, I contacted them and they said even if it was satisfied it would not be removed from my report. I have revived multiple calls, emails & threatening letters, this account was also previously REMOVED from an earlier dispute then put back on. This is bullying and harassment
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I filed a claim for water damage and was approved coverage by my insurance company. The insurance company released a check for additional supplement check for flooring and some additional damage that was not accounted for in the first check. I remitted the check in to my mortgage servicing company ; Loancare as I have in the past to endorse the check. This time, they sent the check back to me unendorsed and refuse to endorse it until after me and the other signees endorse it because they are going to put it in escrow and allow for only draws to happen. The problem with this is that because of how big the job actually is, contractors are requiring a large lump sum as a deposit before they even get started. I don't have the money to provide them. That is what my insurance came in and did. They approved the claim and are allowing for the work to be done, but my servicing company is putting a hold on everything and keeping us from moving forward to putting our house back together. I have reached out to Loancare again today, XX/XX/year> and was told by a supervisor ; XXXX ' that there was nothing he could do. I requested for a call above him and he stated that it would be another XXXX hours. I have been back and forth with them for a few weeks now. I am not behind on my mortgage, or have any other issues with the company. They are causing the issue by stopping the projects from getting completed.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (FL)

For several months, I've attempted to apply for both a Wells Fargo card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my XXXX report, yet they were still unable to view it. Why can't these banks access my credit report? Im attaching proof from Wells Fargo and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

Several months ago I paid my payment in full by mail but was charged a late fee. When I called they said it sometimes takes up to XXXX business days for them to process mail payments & that I should pay online or over the phone. They waved the fee & the account was paid off. I used the card again, tried to pay online but their system could not find my account. I called to make the payment & was told that they could not verify me & could not make the payment. I called back the next day & asked to speak to a supervisor who told me the number they have XXXX file doesn't match my number & that's why they couldn't take the payment the day before. The supervisor did take my payment in full. A XXXX  later I get a bill for only a late fee, when I called they said it was because the payment was processed late & they still refused to change my number. Now they are charging interest & more fees when they would not take my payment to begin with. This is a scam system they have set up just to charge extra fees.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (WA)

XXXX  Financial is contacting me about a debt that was included in a XXXX  XXXX plan. I am set to conclude the XXXX  XXXX with a pending discharge this coming XXXX. They were properly notified of the Bankruptcy and had ample opportunity to submit a claim. This is not the first time they have attempted to collect, as they also manipulated my credit report and updated it to Charged Off instead if " Included in Bankruptcy '' which I promptly called them on.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute Report for Negative Account Account Details : * Creditor : XXXX XXXX XXXX XXXX Reported Date : XXXX XXXX XXXX XXXX  Open Balance : {$400.00} * Opened : XXXX XXXX XXXX  ( 7 months ago ) * Account Status : Open * Original Creditor : XXXX XXXX XXXX  * Remarks : Dispute resolved; reported by grantor Dispute Summary : I am disputing the accuracy of the account listed under XXXX XXXX XXXX due to the following reasons : 1. Doctrine of Estoppel by Silence : Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, if a creditor has not supplied proof of the alleged debt when requested, it may be presumed that no proof of the debt exists. In this case, I have not been provided with adequate documentation or proof of the alleged debt. Consequently, it should be presumed that no valid debt exists, and thus this account should be removed. 
2. Failure to Provide Proof : Under 15 U.S.C. 1681e, creditors are required to provide accurate and complete information regarding the debts they report. Since I have not been supplied with proof or documentation verifying the validity of this debt, this account does not meet the requirements set forth under this statute. 
Request for Action : I request the removal of this account from my credit report due to the following reasons : * Lack of Proof : The creditor has not provided proof of the alleged debt. 
* Inaccuracy : The account fails to meet the requirements for accurate reporting under 15 U.S.C. 1681e. 
* Presumption of Non-Existence : Based on the doctrine of estoppel by silence, it is presumed that no valid debt exists. 
Please investigate this matter and update or remove the account as necessary to reflect this information. 

Given the lack of resolution and your failure to provide the necessary proof of investigation, I will be initiating a claim in small claims court against your agency for the following : 1. **Compensation for Damages : ** For the negative impact these inaccuracies have had on my credit score and financial well-being.2. **Legal Fees : ** Any associated costs incurred due to this dispute. 
You have 15 days from the receipt of this letter to address these issues, remove the inaccurate accounts, and provide a written confirmation of the corrections made. Failure to comply will result in legal action. 
Please consider this a final opportunity to rectify this matter before I proceed with legal claims. I expect a prompt and satisfactory resolution. 
Sincerely,
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. PLEASE REMOVE THIS 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 2024-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year>2024 Credit collection services XXXX XXXX XXXX XXXX, Massachusetts XXXX Account Number : XXXX Dear Credit collection services, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter.

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX Employers : XXXX Employers : XXXX XXXX Employers : XXXX Employers : XXXX XXXX Collection : XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXX XXXXXXXX