davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (DE)

I am writing to formally request validation of the debt you claim I owe in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have received communication from your company concerning an alleged debt, and I am exercising my right to request detailed verification of the debt. 

Please provide the following information regarding the alleged debt : 1. The original creditors name and address. 
2. A complete and detailed accounting of the alleged debt, including any interest, fees, or other charges that have been added. 
3. Documentation showing that you are legally authorized to collect this debt on behalf of the original creditor or that the debt has been transferred to your agency. 
4. Proof that I am indeed the person legally responsible for this debt, including a copy of the original contract or agreement I signed with the original creditor and my WET SIGNATURE ON THAT CONTRACT. 
5. Details of any judgments or legal actions, if applicable, related to this alleged debt. 

Please note that under the FDCPA, you are required to provide me with the requested information. While this debt is in dispute and validation is pending, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 

Failure to provide the requested validation within the legally mandated timeframe will result in my pursuit of any and all available remedies, including the right to request removal of any inaccurate information from my credit reports and reporting violations to the Consumer Financial Protection Bureau ( CFPB ). 

This letter is not an acknowledgment or acceptance of the debt. I reserve all rights to dispute or challenge the debt, and this request does not waive my rights under federal or state law. 

Please provide the requested information to me in writing at your earliest convenience.
Consumer complaint received 2024-09-25
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2024-09-25
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. (NC)

I recently refreshed and checked my credit report, to my findings I see accounts that I do not own or have access to. Accounts opened in my information which was not authorized by me & I want it removed as soon as possible. I dont know how far this has gotten but this is a serious situation that needs an immediate attention. Please check and delete this inaccurate information you have 4 days 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 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. 

XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, I was mailed a promotional offer to receive XXXX Delta Skymiles for opening an account and spending {$3000.00} over 3 months. I applied for the account, was approved and they sent credit cards. After thee months I completed the requirements for the miles. After not hearing anything for an additional month, I contacted customer service on XX/XX/XXXX. The customer service agent apologize and said he would personally credit the points. He took my cell phone number and said he would call in XXXX to XXXX days to confirm the miles were added. After hearing nothing I called again on XX/XX/XXXX. After a lengthy hold, the agent said that because I had previously had an American Express card, I was not eligible for the promotion ... but because they promised the prior week, she would issue the mileage credit. After another week of not receiving the points, I called today ( XX/XX/XXXX ). The agent I spoke to could find no record of the conversations and said I was not eligible because I had a prior Amex Card. I spoke with a supervisor and they agreed nothing could be done, but issued a XXXX point bonus after I asked to cancel the card. In summary 1. Amex sent me a credit card offer. 2. They approved my application and issued the cards XX/XX/XXXX. 3. I have spent over {$15000.00} on the card 4. Until XXXX/XXXX/XXXX, they never indicated I was not eligible for the miles. If they knew I was not eligible, they never should have issued the card - or at least let me know up front. I have spent a bunch of money on their card with no reward. They should be required to be more honest and upfront with customers. No individual can solve this, but it sure looks like a class action lawsuit waiting to happen.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-24
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. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

For months, these accounts have been showing up on my credit report, and its been incredibly stressful. Im simply asking that you verify whether or not these accounts are actually mine. The errors have lowered my credit score and blocked financial opportunities, making it harder for me to achieve my goals.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (MD)

XX/XX/scrub>XXXX XXXX they been reporting and harassing me for the amount of {$1400.00} and I disputed this on XXXX XXXX which also is allowing them to keep reporting on my credit every month and updating. Fox Collection Center the debt collector never sent or provided me debt validation this is a form of identity theft
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Homespire Mortgage Corp (VA)

In XX/XX/2020 I submitted an application to refinance my house located in XXXX XXXX XXXX, XXXX, XXXX to XXXX XXXX Homespire Mortgage Personal Loan Consultant | NMLS # XXXX She ask me to send all support documents including tax returns, bank statement, financial statements..etc, which I sent immediately. 
XXXX reach out to me, she inform me that my application is pre approved for interest rate of % 2.25 For 15 year fixed. 
She told me the underwriter will reach to me for a final closing day. 
No one reach to me, I kept reaching to XXXX in weekly basis and she kept telling me that underwriter is backed up and wont give me a closing date. 
In XX/XX/2020 I reach to her again and told her that I need to close before the end of XXXX before the increase of the interest rate for refinance applied in XXXX. 
She assured me that my rate is locked and honored and that increase wont apply on my refinance. 
I Kept reaching out to her in a weekly basis and she kept telling me that the underwriter almost getting to my application. 
On XX/XX/2020 I reach to her to check the status and that what was her response : Im sorry I couldnt answer just now Im on the other line.The underwriter just got back to us late last night but has suspended the loan due to a debt to income issue with the file. 
Also during the application process she tried to push me to sign application with false info and I refused to do so and kept pressuring me to sign that loan application with false info and I told her this is fraud and I wont sign this application until all this info are corrected.
Consumer complaint received 2016-01-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MI)

This is a paid debt that we are trying to get the collection agency to send the documentation to the court. 

My wife has been transferred XXXX miles from our home. We are trying to purchase a house. We are unable to do that because the bank needs the court documentation that the judgment is satisfied. Our debt was paid in full on XXXX/XXXX/XXXX yet, their records claim XXXX/XXXX/XXXX. I have contacted the office as to the procedure followed in providing the court with the information that the debt has been paid. There is no procedure, which is surprising as your website indicates : " XXXX XXXX XXXX XXXX, XXXX. began XX/XX/XXXX. Since that time, the firm has become one of the debt collection industry 's leading law firms. Known for successful recovery rates achieved while maintaining the highest standards of professionalism, compliance and training, our firm offers premier levels of service and excellence. '' I should think that the highest " standard of professionalism '' would include a process for timely notification of debt repayment. It does not. On XXXX/XXXX/XXXX, my representative from XXXX XXXX contacted their office and the representative was again unable to provide any assistance with regard to notification to the court. I have explained my situation, I have sent them a letter indicating my next steps to file complaints with consumer protection. 

While it may not help to resolve my issue, perhaps it will benefit others.
Consumer complaint received 2023-11-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

On XXXX XX/XX/, we received a letter via XXXX from True Accord. True Accord, is a collection agency. The agency refused to provide to me and claims to not have any evidence of the debt, despite having sent the demand for payment. This violates the provisions of FCRA and FDCPA, inter alia. In an email from me to the agency herein named, I disputed the debt. The fact is that the agency can not contact or communicate an alleged debt to a consumer without first having verified the debt. This community from True Accord violates consumer protection laws. In addition, XXXX XXXX XXXX, at no tike, ever sent to me any claim that a debt was owed. This instance is the first instance of communication from a third party or XXXX XXXX XXXX. It is presumed that XXXX XXXX XXXX has shared my personal information with this debt collector without right, without my knowledge or my consent. I intend to recover damages from both parties.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (LA)

MOHELA & MISSOURI HIGHER LEARNING EDUCATION & WORKFORCE DEVELOPMENT are reporting the same debt on my credit report.XXXX XXXX XXXXXXXX are reporting MOHELA, XXXX is reporting MISSOURI HIGHER EDUCATION .It is a violation for two different companies to request the same debt it is also a violation reporting such inaccuracies such as Dates, Account numbers, Creditor Names & Balances on my credit report.These are all major violations & holds grounds for deletion. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Also a 1099-C is required under IRS regulations for the cancellation of debt, and was never produced.
Consumer complaint received 2020-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC (NV)

On XXXX I received a settlement offer from XXXX XXXX XXXX XXXX XXXX XXXX, that stated that I could pay {$270.00} of my balance to settle the account as long as it was paid by XX/XX/scrub>XXXX  That amount was paid on time and has cleared my bank account, and the company still has not honored their part of the agreement and has a balance showing of {$91.00}. The balance as of 10/10/2024 is now accruing interest and will be reported to my credit on XXXX showing an incorrect balance. I have reached out to the company, and they assured me that it would be taken care of, and to date it has not been. This is fraud, and in my opinion the government is allowing predatory companies such as XXXX XXXX to get away with too much.