davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I recently discovered a parked debt account on my XXXX and XXXX credit profile. Please note that this is your only opportunity to have this information removed and blocked. I was not previously given a chance to dispute this alleged debt, and I want to emphasize that my failure to dispute does not imply an admission of liability, as per legal standards. 

I believe this account is inaccurate and likely a result of unauthorized charges using my social security number. I have no intention of paying this alleged debt, which has not been verified as my responsibility. Under the XXXX XXXX ( XXXX ), you are required to obtain my consent before sharing my private financial information with third parties, and I do not consent to your company doing so. Additionally, I am not aware of any contracts with you, and this situation represents an unauthorized use of credit from which I have received no benefit. 

This also constitutes a direct violation of the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ), amounting to harassment and the furnishing of false and misleading information to third parties without my consent. 

Please consider this a refusal to pay and a cease-and-desist notice for any collection efforts through any medium, including credit reporting and unfounded litigation, unless you provide the following items to verify my responsibility for this debt : The XXXX form used to XXXX authorization to open the account. 
All correspondence records related to the account. 
The applications with the original creditor that confirm this account as mine. 
Any documents from the original creditor that verify the account belongs to me. 
XXXX of whether this account was assigned or purchased by your company. 
The Regulation F disclosures. 
XXXX accounting details for this account to verify the creditor, credits, debtor, and debt. 
I require all of the above to conduct my due diligence on this matter. Be aware that I am prepared to take legal action if you continue to violate my rights under TILA and FDCPA. Your company has faced issues with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for similar violations and unfair practices in the past. 

Given the urgency of this matter, I expect a response within XXXX business days.
Consumer complaint received 2024-10-02
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. (NY)

This morning, I saw unauthorized inquiries on my credit report without any clear reason. I was just doing my regular check, but out of nowhere, there are discrepancies that shouldn't be there. I even refreshed the browser, hoping it was just an error, but the inquiries remained. Please, thoroughly check the documents Ive provided so this issue can be resolved at once, and I can stop stressing about it.
Consumer complaint received 2024-10-02
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)

i recently review a copy of my credit report and noticed that was not reporting accurately. i have 8 late payments on an account that was fact paid on time.The customer reporting agencies ' have need to report all information with complete accuracy. The account has not been late on payments i have attached a copy of my report to this complaint on the following dates XXXX i`m now requesting you investigate and provide verifiable proof with records showing that i had late payments, If this information can not be verified i demand these payments be updated to paid on time immediately. thank u your understanding and prompt action
Consumer complaint received 2024-10-02
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. (NY)

I couldnt believe it when I saw incorrect accounts on my credit report today. I check my report regularly, but this time there were unexpected discrepancies. I refreshed the page, hoping it was a browser issue, but they were still there. I really need the documents I sent to be thoroughly reviewed so I can finally stop worrying about these mistakes happening again.
Consumer complaint received 2024-10-02
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. (FL)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt XXXX falls under XXXX as defined by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-10-02
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-02
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)

A collection account from XXXX XXXX XXXX reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXX apartments was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-02
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX {$2000.00}.
Consumer complaint received 2024-10-02
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. (TN)

There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of 2022. I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXX XXXX to pull my credit several times I need this corrected and for them to be removed.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I am writing to formally submit a complaint against Credit Collection Services ( the Respondent ) regarding their refusal to validate a debt and their potential violations of various consumer protection laws. 

On XX/XX/24 I received a communication from Credit Collection Services asserting that I am liable for an alleged debt. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I submitted a written request for validation of this debt within the mandated 30-day period.

My request included : The exact amount of the alleged debt.

The name of the original creditor to whom the debt is allegedly owed. 
Documentation verifying the existence of the debt. 

Despite my lawful request, Credit Collection Services has failed to provide the required validation. This refusal constitutes a violation of the FDCPA and raises serious concerns regarding the accuracy of information potentially reported to consumer reporting agencies, thereby violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Additional Violations : I believe the Respondent may also be in violation of the following laws : Consumer Financial Protection Act ( CFPA ) : The Respondent 's failure to validate the debt may be considered an unfair or deceptive act, which is prohibited under this act.

Truth in Lending Act ( TILA ) : If the Respondent misrepresents the terms or conditions of the debt, this could constitute a violation of TILA.

Credit Repair Organizations Act ( CROA ) : If the Respondent is misleading consumers about their rights concerning debt validation, they may be in violation of the CROA.

State-Specific Debt Collection Laws : The Respondent may be violating applicable state regulations concerning debt collection practices, particularly in failing to provide validation.

Unfair and Deceptive Acts and Practices ( UDAP ) Statutes : If the Respondent misrepresents the debt or engages in misleading collection practices, they may be violating state UDAP laws.

Impact : The Respondent 's failure to validate the debt has caused me considerable distress and uncertainty regarding my financial obligations. Additionally, their actions may adversely affect my creditworthiness and financial standing.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

I found out that there was information in the XXXX that would not allow me to open another account, I called XXXX and showed them they were discahrged during bankruptcy and to udate my report, now when I go to open any bank account im still having issues even t ho I have proven bankruptcy discharge, and they are not willing to open an account I need help please
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (FL)

I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, can you please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX companies Address : XXXX XXXX XXXX XXXX, TX XXXX Phone # XXXX
Consumer complaint received 2024-10-02
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. (GA)

On XX/XX/XXXX, I sent the letter below regarding the account listed to all XXXX credit bureaus. I have not received any information or supporting documentation back. Please assist with this matter since I have tried several times : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute and demand validation of the account listed below, which is inaccurately reported on my credit report by your agency. This account does not belong to me, and I request its immediate removal. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), both of which entitle me to verification and validation of any debt reported. 

Disputed Account Information : Creditor : XXXX XXXX Account Number : XXXX Balance : {$5800.00} Date Opened : XX/XX/XXXX Status : Collection/Derogatory This account is not mine, and it should be removed in compliance with the following legal statutes : FCRA ( 15 U.S.C. 1681 ) The FCRA requires that credit reporting agencies ensure the accuracy of information on credit reports. If the information can not be verified within 30 days, it must be removed from the report. I demand verification of this account, including supporting documents that prove this debt is mine. Failure to provide such proof requires that you delete the account from my file.

FDCPA ( 15 U.S.C. 1692g ) The FDCPA mandates that debt collectors provide validation of the debt, including details about the original creditor and proof of my responsibility for the account. Without this validation, continuing to report or collect this debt is unlawful.

Illegal Collection Practices Reporting unverified or inaccurate debts on my credit file violates my consumer rights under both the FCRA and FDCPA. This collection account is not valid, and I demand its immediate removal from all credit reports.

I request that this matter be resolved promptly. Please provide written confirmation that this account has been deleted from my credit report or provide the necessary documentation proving this account is valid and belongs to me. Failure to act appropriately within the legal timeframe may lead to legal action being taken against your agency.

Thank you for your prompt attention to this serious matter. I look forward to your written response and the resolution of this issue.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CUSTOMERS BANCORP, INC (FL)

I had fallen behind in making payments to the loan in question. Customer 's Bank then sent my account to XXXX XXXX XXXX for collections. On XX/XX/year> I entered into a payment plan for the past due amount with XXXX XXXX. The payments began on XX/XX/year>. I also began paying the current amount due {$1000.00} to Customers bank directly beginning in XXXX. On XX/XX/year>, I got a notification that the account had been accelerated and that the total amount was now due. I asked them to review the account since I had a payment plan authorized by their collection agency and at no time was I told that the payment plan was insufficient until after the fact. I questioned why they allow an agency to collect on their behalf and then do not honor the payment agreements made with that agency. Customers Bank is refusing to reinstate my loan and allow me to continue making payments.
Consumer complaint received 2024-10-02
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. (MO)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-02
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. (CA)

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.