davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (AZ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below FORD MOTOR CREDIT CO Account Number : XXXX Charge Amount : {$23000.00} Date Opened : XX/XX/year>XXXX  Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request for Detailed Account Investigation Description and Legal Basis Account Number : XXXX  To Whom It May Concern : I am contacting you regarding the account referenced in the reference number above and, more specifically, regarding the response you provided in reference to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ).

Pursuant to my rights as a consumer under the following federal laws : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA ) Consumer Financial Protection Bureau Regulation V I am formally requesting a detailed description of the investigation PRA has conducted regarding the account ending in XXXX ( full account number : XXXX ). Specifically, I am requesting that I be provided with : A step-by-step description of the procedures used to investigate the validity of the debt. This should include the specific documents and records reviewed by PRA.

The legal and regulatory bases PRA relied on to validate the debt. This includes how PRA verified the balance, the legitimacy of the debt, and its legal ability to collect the debt. 

Any additional documents provided by XXXX XXXX XXXX XXXX at the time of the sale of the debt to PRA. This includes any original contract, transaction history, and any relevant communication documents related to the account.

The legal and/or regulatory basis under which PRA continues to report the debt to the credit reporting agencies. Pursuant to the Fair Credit Reporting Act, all reported information is required to be accurate and verifiable, so I request legal justification for the accuracy of the report. 

I request that this information be provided to me in writing within 30 days of receipt of this request, in compliance with applicable federal laws. If I do not receive an adequate response within this time frame, I reserve the right to take any necessary action, including filing additional complaints with the appropriate agencies or seeking legal counsel. 

Thank you in advance for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (SC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Negative Items on Credit Report Due to Equifax Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report due to the data breach that occurred at Equifax. The breach has caused significant harm to many consumers, including myself, and has resulted in negative items appearing on my credit file that are not reflective of my creditworthiness. I have recently obtained a copy of my credit report, and I have identified the following negative items that I believe are a result of the breach : XXXX XXXX with account number XXXX For it is causing undue harm to my credit score and is a direct result of the vulnerabilities exposed during the Equifax data breach. Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I reached out to this company, but they have no information on me and that they sold my personal information to a collection Agency called XXXX XXXX. 

Isn'tthis considered identity theft? I ask that you complete your investigation and provide me with your findings in writing within the timeframe required by law.

Please delete this account from my credit report.

Thank you for your attention to this serious matter. I appreciate your timely response and assistance in helping me resolve these inaccuracies.

Sincerely, [ XXXX XXXX ( if sending a hard copy ) ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Subject : Request to Block and Delete Accounts Due to Data Breach Dear Equifax, I am writing to formally request the blocking and deletion of my accounts listed below, as I am a victim of the recent data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked WITHIN FOUR DAYS to protect my personal information. 

The accounts I wish to address are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Number XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have been XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, Aidvantage informed me that my loans had entered repayment status. I am still XXXX XXXX XXXX XXXX XXXXl, and have never taken XXXX XXXX XXXX I checked my Aidvantage account inbox, and found an XX/XX/XXXX email saying that I was in deferment until XX/XX/XXXX. 

I emailed Aidvantage during the next 2 months trying to sort the mistake out. I only received automated responses. I called them at the beginning of XXXX. The agent said I was delinquent on XXXX loans. After looking at my account they acknowledged that Adivantage had a record of my XXXX deferment until XX/XX/XXXX, and that I was in their system as being still enrolled XXXX XXXX XXXX XXXX However, the agent would not reverse the delinquency. Rather they said I had to sign paperwork that would be sent in the mail to resolve the issue. It has been XXXX weeks and I still have not received the paperwork.
Consumer complaint received 2024-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Received email on XX/XX/XXXX from Amsher Collection ( account XXXX ) trying to collect an debt from Charter Communications LLC ( XXXX ) in the amount of {$120.00} from original amount of {$260.00} dated XX/XX/XXXX. 

I do not owe this bill and never open an account with Charter Communications at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I no longer live at this property, which the property has been sold. I have been a permanent resident in the state of XXXX  since XXXX. 

I tried to reply to collector through email of the sender address to dispute this debt however the email was returned " failure address not found ''
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-20
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. (TX)

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. 

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
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MO)

I am contacting you all in regard to my account with Ally. My account ( # XXXX ) with Ally still hasnt been resolved. It is now going on 2 years. Ive been in contact with Ally ( last time in XXXX ) and nothing has been updated nor any information still could be provided on the account. Each time being in contact with Ally, Ive made sure to update all my contact information, in hopes of them sending the original agreement document, as requested. Due to me having no information on the vehicle, after car was repossessed, I requested documents on this as well. I havent been sent anything as of yet since requesting them back in XX/XX/XXXX. Even online, theyre arent any documents in my profile that shows what theyve sent since XXXX. Since last being in contact with Ally, I talked to two representatives, due to the first one hanging up on me, I called to ask for a 1099-C form. I was curious if they had ever sent me XXXX and I never received it because it has been over a year. But the representative asked Who said something about a 1099-C? This account has not been settled. Which is confusing because on each credit bureau sites says the account is written as a charge off. On the IRS it states, when a creditor reports a cancellation of debt to the IRS, this day of the following year in which the debt was canceled, the Form 1099-C must be filed and reported to the IRS and a copy provided to the debtor as well ( in which I have never possessed ). In this case, the debt amount is over {$600.00}, so the creditor usually is required to issue a 1099-C to report the cancellation of debt to the IRS, which should have been done if the account has been in the status of a charge off since XXXX of XXXX. As the conversation continued, the representative goes to say that someone will be picking up my account and thats all they could tell me. I asked who was my information and account was being sold to and she could not give me an answer. My account is now going to another 3rd-party company since given back to them by XXXX XXXX after I filed a complaint on them. This company has violated so many Laws and Acts of the FDCPA, TILA, and FCRA ( FDCRA 15 USC 1601, The Disclosure Requirement of the TILA Act, and numerous FCRA practices and acts ) I have enclosed copies of relevant documents that support my dispute. I also had Gap Insurance on the vehicle. As of today XX/XX/XXXX, Ally is now trying to attend to my case updating wrong transaction history information and reported it to each credit bureau.
Consumer complaint received 2016-06-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WI)

Seterus is charging me fees to see if I lice in my house. They " say '' they send a guy out to see if I still live there. I call them every month and talk to them. They took the account over in XXXX of " XXXX ''. I was disputing some payments. And if you looked at my account I made payment every month. So I tryed to pay extra to get caught up. so setures stole the money for fees and charges I was NOT aware of. Why would you send a guy out to check the house out when I call ever month and make extra payment, unless you care ONLY about profits and are trying to steal house? If they give back my money I payed extra, I would almost have enough to get caught on my payments. Please help me end this over burden greed bank practice so I can own my home.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (DC)

I have been paying off the amount on my American Express credit card every month, on time, or so I thought. I pay the bills for my American Express card when they show up in my bank account 's bill pay -- I briefly look at the charges and pay the amount at the top. Unfortunately, or I suspect on purpose, I am seeing my bills so close to the due date that my payments are apparently always showing up XXXX  day late ( this is according to their customer service ). American Express have been charging me late fees and 30 % interest on these full payments showing up XXXX day late. Apparently, they have been sneaking interest charges and late fees in at the bottom of my bills so I have not noticed them until now. I am someone who has the money and pays my bills every month, yet have somehow incurred $ XXXX of fees since XX/XX/year> on my bills. I have paid the total I owe and closed my account. This is an outrage. Thankfully I am someone who can pay this off when I noticed this fraud but many others don't. What an outrage. I won't be doing business with them again soon.
Consumer complaint received 2024-08-29
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. (FL)

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 2024-10-15
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. (AL)

I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.