davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (SC)

Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian for failing to properly investigate and verify the accuracy of information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a dispute regarding the account reported by XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX simple through Experians online dispute system. I indicated that the account was incorrect and did not belong to me. In accordance with the FCRA, Experian was required to verify the accuracy of the disputed information by obtaining proper documentation from the furnisher or remove the account from my credit report. 

However, today, XX/XX/year>, I received a notice from Experian stating that the account had been verified and would remain on my credit report. Experian failed to provide any documentation or evidence to support this verification. I believe this response does not comply with the requirements of the FCRA to conduct a proper investigation.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 611 ( 15 U.S.C. 1681i ) Experian is required to conduct a reasonable investigation of disputed information within 30 days. I do not believe a thorough investigation was conducted, and Experian did not obtain sufficient verification from the furnisher.

2. Section 609 ( 15 U.S.C. 1681g ) I requested verification of the account, including documentation to show that the debt or account belongs to me, but Experian has not provided any such evidence. 3. Section 611 ( a ) ( 5 ) If the disputed information can not be verified, the credit reporting agency is obligated to delete or correct it. Despite the lack of proper verification, Experian has continued to report this account on my credit file.

Relief Requested : I request that the CFPB investigate this matter and ensure that Experian provides adequate verification documentation for the disputed account or removes the account from my credit report if they are unable to provide proper verification. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-20
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2016-01-04
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Received XXXX emails from AmeriSave Mortgage Corporation thanking me for financing a home loan with them. I do not have a home loan with AmeriSave or any other institution. I am concerned that this may be a fraudulent attack on my credit rating or an attempt at identity theft.
Consumer complaint received 2024-10-17
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. (TX)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a lease account & charge-off. 

ACCOUNTNAME : XXXX XXXX XXXX XXXX ACCOUNTNUMBER : XXXX DATE OPENED : XX/XX/year> This account has resulted in fraudulent charge off appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant negative impact on my mental well-being.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX Balance {$1200.00} Balance updated XX/XX/XXXX
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have contacted both the creditor and the credit bureau TransUnion about an account that was opened through identity theft but neither will help me clear this matter up.The TransUnion dispute results came back as " meets FCRA requirements '' Which I do n't understand because I did n't open this account. I had my identity stolen. The other fraudulent accounts opened we 're removed. 

The account was sold to : XXXXXXXX XXXX, MIXXXX ( XXXX ) XXXXOriginal creditor is : XXXX balance XXXX and account opened XXXX XXXX, 2011.
Consumer complaint received 2024-10-17
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Experian. XXXX, XXXX, Experian has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2015-07-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION (NV)

I, XXXX XXXX XXXX give permission to assist me in this matter that I am submitting today. I have called today to inform the credit agent to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed and reported to Regional Acceptance Corporation in XXXX XXXX! XXXX continues to report incorrect information on my credit profile. XXXX is not properly validating the true file date of my BKXXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BKXXXX date as XXXX XXXX, XXXX. The credit agent at XXXX is making an attempt to fulfill my request to validate and confirm the correct BK-XXXX file date to Regional Acceptance to show is XXXX XXXX and NOT XXXX XXXX, which should not reflect any late payments prior to filing a sole petition alone and without my husband to correct my BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed as soon as possible! I have submitted documents from the credit reporters database to show the discrepancy and to have it fixed right away. I have also left a message ( XXXX ), for XXXX XXXX XXXX of Regional Acceptance Corp/BB & T XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts, and is to stay on my report until XXXX XXXX. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and Regional Acceptance has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, Regional Acceptance was to re-insert the trade line - it was not done, and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Dear sir/madam, as I was going through my credit report on EQUIFAX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number EQUIFAX kept saying the investigation stated that the account was mine.
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Michael G. Niles (KY)

Executive financial company contacted me back in XX/XX/2015 and set up a payment plan. Representative argued with me, then was contacted by a supervisor and set up successful payment arrangements via credit card. Bank issued me a new card last week of XX/XX/2015 and the payment did not go through on XX/XX/2015. In a letter dated XX/XX/2015 I 'm contacted via mail that legal action will be brought against me for a " hot check '' and to contact the " hot checking '' department leader XXXX XXXX and that the amount for my collections is due up front in full or legal remides will be brought against me personally. I did not receive letter until today XX/XX/2015 and they want a response within XXXX days of letter being mailed ( not taking account he XXXX XXXX holiday and no mail ). I was not given sufficient time to change my payment method, nor was I given a way to change method as they take the amount they want to each month. They have no set up on the website to manage these things. I feel that Exectuve Financial is bullying me. I tried to pay the full amount on their broken website and I still owe them {$1.00}
Consumer complaint received 2024-10-17
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I received a letter from Ocwen Loan Servicing transferring my mortgage to XXXX, XXXX. I called Ocwen and they told me payment through their website would still work so I made XXXX 2016 payment through their website. I checked my bank and did not see a payment. I went to Ocwen website and did not see the payment. I called Ocwen and they were eager to refer me to the new servicer at XXXX. The Ocwen customer service agent either lied or was ignorant about being able to pay through their website. Then when I called to inquire, the Ocwen customer service agent hung up on me when she was unwilling to help. Very unsettling knowing people like this is handling my loan.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (OH)

see attached debt vallation letter sent to company after the outreached me via email XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Radius Global Solution XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX XXXX ( XXXX ) Dear Radius, Global Solution, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges.

Provide me with any affidavit that the Statute of Limitations has not expired on this account.

Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. 
b ) Defamation of Character. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/2014, a finance adviser at XXXX XXXX XXXX confirmed an approved vehicle loan application with Fifth Third Bank in my name. That day at the dealership, I was given a Fifth Third Bank Note to sign and I was able to leave with vehicle. Waiting for Fifth Third monthly payment statements. I received a demanding letter for payment from a different bank XXXX. I was suspicions that this was fraud and a scam, because listed on my vehicle title as a lien-holder was only Fifth Third Bank and the finance adviser at XXXX XXXX never mentioned XXXX. I sent notices to both banks demanding for answers. For months, I was unsuccessful in finding clarification. Without a court order or notices my car was illegally repossessed by XXXX. On XX/XX/2014, a letter sent by a Fifth Third Bank specialist, XXXX XXXX stated that my loan application was declined on XX/XX/2014, and the bank routed my declined application to Santander for approval. I did not authorize this transaction and I was denied the right to declined XXXX 's loan offer. XXXX have illegally repossessed vehicle before and there is a case against them that proves that. United States of America vs. XXXX XXXX XXXX. Furthermore, the dealership never asked for the car back, because of a declined loan XX/XX/2014 and I never received any notices of explanation from Fifth Third Bank or the Dealership before or on XXXX stating that my loan was declined. Both banks and the dealership have been deceptive with the loan transaction and Fifth Third Bank are still listed on my vehicle title. I also have letters from XXXX contradicting Fifth Third claims.