davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (MI)

mrc receivables too me to court over a debt. The agreement when I paid the debt was that it be removed from my credit report. This was in XXXX 2009. I paid the debt owed. Upon checking my credit report this debt is still on my report. I have called several times and sent several letters requesting this be taken off of my credit report. Mrc states they are not reporting to the credit bureaus which is correct. They have reported to our district court and will not provide me or the courts the documentation to remove this from my credit file. I have made all attempts at resolving this and they will not respond or tell me something is in the mail and I never receive it. This debt is also more than 7 years old from the original creditor.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (MI)

I am writing to file a complaint regarding Barclays USAs handling of my JetBlue credit card account ending in XXXX. Recently, Barclays unilaterally reduced my credit limit, which caused an immediate and significant increase in my credit utilization. As a result, my account was reported as " over the limit, '' which has severely impacted my credit profile and made it nearly impossible for me to obtain a debt consolidation loan. 

This action by Barclays not only led to an increased utilization rate but also negatively affected my payment history as reported on my consumer reports. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( c ), the law defines a " consumer report '' and excludes " transactions or experiences '' directly between the consumer and the furnisher. The FCRA was structured by Congress to ensure that such information, including utilization and payment history resulting directly from credit limit changes, is not automatically included in consumer reports. 

By reporting my utilization and payment experience resulting solely from their unilateral credit limit reduction, Barclays USA has effectively violated my rights under the FCRA. This reporting has led to unfair consequences and undermined my ability to responsibly manage my finances by affecting my eligibility for debt consolidation options. 

I am requesting that Barclays USA take corrective action in the following ways : Immediate Removal of this Account from All Consumer Reporting Agencies I request that Barclays cease all reporting of this account to the credit bureaus to comply with FCRA regulations regarding the exclusion of direct transactions or experiences. 

Adjust Utilization Reporting Alternatively, if Barclays intends to continue reporting this account, I request that they revise the utilization rate to reflect no more than 5 % utilization. This adjustment would better represent my financial responsibility and eliminate the damaging effects caused by Barclays decision to reduce my credit limit without consent. 

Thank you for your attention to this matter. I am hopeful that the CFPB will assist in ensuring Barclays USA upholds my rights under the FCRA and takes immediate corrective actions to address the harm caused by their actions.
Consumer complaint received 2024-08-13
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

These accounts are no longer open, and their presence is affecting my credit profile negatively. Despite being in good standing, they remain on my report, and I have been unable to get Experian to delete them after several attempts. 

Below are the details of the accounts I am requesting to be removed : XXXX XXXX XXXX XXXX  XXXX opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX XXXX Date opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX  Date opened : XX/XX/year>, Status : Paid, Closed/Never late. 
XXXX XXXX Date opened XXXX XX/XX/year>, Status : Paid, Closed/Never late. 

Although these accounts were in good standing and fully paid, their continued presence on my credit report as closed accounts is unjustified and is adversely affecting my credit score. I kindly request your intervention to have Experian remove these closed accounts from my credit report to ensure accuracy and fairness in my credit profile.

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-10-16
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. (FL)

Dispute was initiated XXXX requesting all documentation and information required to validate a debt by federal law standards the consumer reporting agencies responded debt was validated but sent no documentation to substantiate this claim Im asking the cfpb to monitor and uphold federal law also to be a material witness if any litigation occur from this fraudulent investigations And reporting. 

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 am writing to request validation of the debt referenced above In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : 1. The original signed contract or application that indicates I agreed to the debt. Specifically, please provide a copy of the original contract with my wet signature. 2. A complete payment history, including the date the debt was incurred, the amount of the debt. 3. A detailed breakdown of any fees and interest accrued since the debt was incurred. 4. Copies of any and all documents that establish your legal right to collect this debt. 5. A copy of the payment schedule or account statements that substantiate the amount of the debt you claim I owe. I am requesting this information to ensure that the debt is valid and that I am indeed the party responsible for it. Under the FDCPA, you are required to cease all collection activity until this debt is validated. Please send the requested information to the address provided above. Thank you for your cooperation. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (GA)

I engaged XXXX XXXXXXXX XXXX XXXX  for debt resolution and Rausch Sturm representing XXXX XXXX was one of the accounts and they did not engage them causing a judgment against me and garnishment which is paid. XXXX XXXX failed to provide a revocation letter to Rausch Sturm after my many attempts to call and sent emails and Rausch Sturm will not provide proof that it is settled without a revocation letter. I am closing on a house in two weeks and all I get is that " a state attorney will call you ''. I told them that XXXX XXXX XXXXXXXX XXXX is in Litigation with the CFPB and they didn't know what CFPB represented. I sent them a copy of the litigation and the condemnation of garnishment but no response yet. I need them to provide me proof they received payment and the judgment satisfied before XX/XX/year>.
Consumer complaint received 2024-08-14
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit XXXX agency , block 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 personal credit cards accounts opened at 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the collections in question as well a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and charge-offs reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and charge-offs are the result of identity theft and fraud. Ive also attached my consumer report, as well as the screenshots with the highlighted inaccuracy on my consumer report that is effecting my life because of improper use of my credit report by the reporting agencies.
Consumer complaint received 2024-09-02
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. (VA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
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. (WA)

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 trascation 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!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-09-02
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. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX - XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
I previously disputed this account stating : " I am a victim of identity theft and I never opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Account has been deleted from Experian and XXXX
Consumer complaint received 2024-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Was buying a classic XXXX XXXX  and wired {$15000.00} to XXXX and signed all the legit documents and paperwork but never received car. The company even set up a payment option for the other half of the loan for the remainder of the payoff. Wired money on XX/XX/year> through Wells Fargo. Wells Fargo denied the fraud claim after the money was wired. Would like to seek some justice in some way on this matter. I can provide all the necessary documentation and paperwork if this would be taken seriously.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NE)

Prior to XX/XX/year>, I attempted multiple times to close by Best Buy Credit Card account. When I was charged with a late fee for a {$6.00} balance in that XXXX, I was super confused because I had already paid off my balances and chose the option to deactivate the account. I found out later that it had not closed, and I was given a minimum balance. I was not aware of that minimum balance and ended up missing the payment when on vacation. My credit dropped over XXXX points from this.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XX/XX/XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Inquirer : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, NJ XXXX | Phone Number : XXXX Inquiry Date : XX/XX/XXXX : A XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX | Phone Number : XXXX | Inquiry Date : XX/XX/XXXX : A XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX | Inquiry Date : XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Consumer complaint received 2024-09-01
Product: Credit reporting 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. (GA)

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, the credit reporting agency, block information on my credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information includes : Inquiry from XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year> Inquiry from XXXX XXXX XXXX on XX/XX/year> These fraudulent accounts have led to several hard inquiries and collections that are also fraudulent. I have attached a list of these hard inquiries and a copy of my consumer XXXX credit report from Experian that shows these fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. I did not open, make, or initiate these accounts, collections, or hard inquiries. They are all the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint from the U.S. Federal Trade Commission as proof that these accounts, collections, and hard inquiries are the result of identity theft and fraud.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that Experian block this fraudulent information within 4 business days of receiving this complaint.