davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act this creditor has violated my rights. 
under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act this creditor has violated my rights. 
under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

Complaint to : Credit Collection Services. XXXX XXXX XXXX, XXXX MA XXXX. Call Center XXXX. File number XXXX They are attempting to collect a debt that is NOT VALID. This debt is also PAST THE STATUTE OF LIMITATIONS FOR COLLECTION IN CALIFORNIA. 

I have told CCS multiple times they are not legally allowed to collect this debt, as well as requiring verification. They will not verify the debt. 

They have told me in the past the debt was removed, so it is alarming and concerning they are still pursuing it. 

Again, the debt is 1. not valid and 2. even if it was, they are harassing and threatening me beyond the XXXX. 

I hope they remove the debt as is required before I file a lawsuit against them, which I have no problem doing.
Consumer complaint received 2015-11-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

I have a contract with XXXX for {$19.00} for months XXXX through XXXX and {$49.00} for months XXXX. My very first billing was for {$30.00}. I called XXXX to resolve the billing as they were in breach of contract, and received no satisfactory resolve. I was then billed for the second month for {$60.00}. Again I called, and no resolve. After receiving the incorrect billing, I called to terminate their services. To which they now tacked on an early termination fee. I have tried to resolve this matter several times, mailed them my dispute, to no resolve. I have now been sent to collections for {$520.00}.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Accoun t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX XXXXXXXX XXXX Accoun t # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX 9 ) XXXX  / XXXX  - Account # XXXX XXXX ) Pref Lease - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters.

15 U.S.C 1681 section 602 A. States I Have the right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Accoun t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX XXXXXXXX XXXX Accoun t # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX 10 ) XXXX XXXX - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters. 

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. XXXX isnt even reporting on here but i have my XXXX report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER XXXX5 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX XXXX  # XXXX The bureaus had XXXX days to fix this and by law they had tO fix this within XXXX days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with XXXX, and i will come after transunion and experian. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT XXXX DAYS
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I went to this page to find out about freezing my credit at the 3 reporting agencies. https : //www.identitytheft.gov/CreditBureauContacts The contact for XXXX doesn't work and there is no email address or form for submitting problem reports about their web site to them. 

In particular, registering for an account on their site fails, as shown on this URL https : XXXX? XXXX & XXXX and it says a manual form should be submitted to their upload URL " Submit by mail or upload WITH PROOF OF IDENTITY Icon of an envelope Experian XXXX XXXX XXXX XXXX, TX XXXX After downloading the PDF XXXX you may mail the form or submit it electronically at XXXX. 
Download PDF Form " But when you download and fill out the form and try to submit it, their XXXX  page says " Security Freeze requests should not be submitted using this platform. To request a security freeze online, visit XXXXThis link opens a new browser window '' which just links back to the page that we just came from. 

Experian is being totally sloppy with their IT and can't even put a proper working web site together, how can they securely manage our private personal data?
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (WA)

Follow-up to complaint : XXXX. Was issued card, with damaged number. Company stated that they would send replacement card. Was not provided card. Refused multiple emails to customer service. Initiated complaint XXXX with CFPB in XX/XX/2023. Was informed on XX/XX/2023 a replacement card would be sent within 7-10 days. Company mislead consumer and CFPB with resolution, as no card has been issued, yet again.
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)

Show my stomach identity and got some loans in my name. And now I can't do anything. I can't figure out how to pay it off. I can't get it off of my credit report. And I can't get it deleted. It's not mine. I didn't use the money. I didn't get the money. I have no knowledge of the money. And this needs to be taken care of
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Tx XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Tx XXXX Are all old addresses. I am no longer living at these addresses.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

IN XXXX I JUST FOUND OUT WE WERE XXXXXXXX XXXX XXXXXXXX  CHILD, THE FATHER WAS XXXX. I DEVELOPED XXXX  AND FROM BEING ISOLATED I FELL INTO A XXXX  XXXX. THE WELLS FARGO ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXX SERVICE WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX  BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MN)

XXXX XXXX  scam email requesting {$13.00} for next month prime payment they said was disallowed by my credit card. directed to web address that collected info about my XXXX password and then my credit card. the web address was XXXX XXXXXXXX
Consumer complaint received 2024-09-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

It is both surprising and troubling to receive a letter from National Credit Systems , Inc. claiming that I owe a debt. As your company appears to operate with questionable practices, let me clarify a few points. 

I was a resident at XXXX XXXX and opted not to renew my lease after experiencing multiple issues, including severe mold and XXXX instances where the ceiling collapsed. Upon returning from work travel, I found my living room and kitchen severely damaged by fallen ceiling and waterlogged wood. Given these circumstances, I exercised my right to exit the lease. 

Despite this, your company is attempting to collect a debt that is not yours to begin with. I have already sent a 1099-C to the IRS to offset this process and request the return of any funds. Additionally, under 15 USC 1692g, I demand that you provide verification that this debt is indeed yours and proof of any agreement that I signed contracting with National Credit Systems , Inc . 

I do not consent to the use of my personal or private information, as this could constitute aggravated identity theft. Furthermore, I do not consent to the publication of any information related to this alleged debt on ANY credit bureaus. Should any erroneous information appear on my credit report, I will have no choice but to pursue legal action against your company, which has no legitimate standing on a debt that was never yours.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NM)

I received a letter from collection company. Called them to find out what it was. There was fraudulent charges on a credit card I used to have that indicates with the credit card company and they were supposed to take the charges off and close my account. They closed my account but never took the charges off and found out they sent the charges to collection! I do not owe money for charges on a credit card that were done fraudulently not by me. This needs to come off of my credit report as I do not owe this debt due to fraud.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-03
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. (IL)

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.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (KS)

I was having internet connectivity issues nonstop and closed our att account due to thier service. We do not have a drop of location nearby and needed a shipping label. We were able to get with someone to get us the shipping lable and sent off the equipment the same day In XXXX! Not thinking anything of it in XXXX, This Creditor is on my report. We immediately contact XXXX ( XX/XX/XXXX ) to find out that att never processed the returned equipment. We never received a bill from att or anything, they just automatically sent it to collections! We had the shipping information and even delivery date. They have slowly started processing the returns. But this Creditor should have never been on my report. XXXX  had thier equipment and should have never sent that to collections. I have a text log with att in regards to this along with proof of delivery/shipping information sent to us from XXXX This was an inaccurate and unjust bill sent to collections by XXXX. They had their equipment returned before sending this to collections and did not process it.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (MA)

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 TILA US Code 1666B since I was never late.

" I recently reviewed my consumer report and noticed an incorrect late payment record on my. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.