davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Debt Validation Request Dear Radius Global Solutions I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. 
Please provide me with the following information regarding this debt : XXXX. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect. 
XXXX. The name and address of the original creditor to whom the debt was originally owed and the current creditor. 
XXXX. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to XXXX. 
tor. 
the secured trust and then back to the original creditor Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
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. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 The law states any inaccurate information on my credit report needs to be removed immediately.
Consumer complaint received 2024-09-24
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. (NY)

I am writing to express my profound frustration and distress regarding XXXX XXXX 's mishandling of fraudulent charges, which has negatively impacted all three major credit bureaus : XXXX, XXXX, and Experian. Despite submitting a valid police report, a notarized letter, an FTC report, and my identity documents, XXXX has reinserted the erroneous account without providing any proof of my liability. This egregious violation is causing severe financial and personal harm. 

I respectfully request your immediate intervention to initiate a comprehensive investigation and ensure a fair resolution to alleviate the ongoing hardship. XXXX, XXXX, and Experian continue to claim the account has been verified, just XXXX days after I submitted a formal dispute. However, they have failed to provide any documentation, including the original signed consumer contract, which is required by federal law under 15 U.S.C. 1681. 

Moreover, XXXXXXXX XXXX has refused to adjust the balance and correct the inaccuracies in my credit report, asserting that I was using the card and making payments at the same time these fraudulent charges were being made. Unbeknownst to me, someone had gained access to my account information and was making unauthorized charges. Due to the relatively small size of these fraudulent transactions compared to my total balance, they were overlooked at the time. I firmly believe these charges are fraudulent, as evidenced by the police report I submitted.
Consumer complaint received 2024-09-24
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 see items on my credit report that I dont recognize, and I suspect my identity may have been stolen since I didnt authorize these accounts. Ive raised this issue before and now urgently request their removal from my report. These accounts dont reflect my true credit history and are causing me significant stress. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are major obstacles in achieving my financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

EXPERIAN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DECLARATION OF XXXX XXXX. 
I declare under penalty of perjury pursuant to 28 U.S.C. section 1746 as follows : I am over XXXX  years of age and competent to make this declaration. I have recently obtained my consumer report from Experian. Experian is reporting the following unauthorized inquires on my consumer report : I am a victim of fraud : Experian has my name misspelled XXXX times and have XXXX different addresses I don't have any knowledge of. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any other addresses I have nothing to do with. I have no knowledge of the personal phone numbers THAT ARE LISTED ALL UNKNOWN ACCOUNTS : Automobile Acceptance for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XX/XX/XXXX THESE HARD INQUIRIES ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL SOFT INQUIRIES I HAVE NOTHING TO DO WITH
Consumer complaint received 2024-09-24
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)

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year>. I received a response stating that the accounts were verified on XX/XX/year>. 
then I mailed out a letter formally requesting proof of account verification that belongs to me. Also, a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me with ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Below is the account in question. Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (MN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc. (IL)

XXXX continues to report false information on my credit report. Attached is a screen shot of my credit profile. I have sent a copy of my drivers license, two utility bills, and a copy of my social with the correct address, phone number, and employer. XXXX continues to report addresses that I have never lived at, names I have never gone by, and accounts that do not belong to me. 

XXXX. 

Names : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Aargon Collections XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - XXXX XXXX  - Highest balance {$100.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3500.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX At this time I am asking that XXXX do their due diligence and delete this from my credit report. XXXX allows creditors to exploit victims of fraud and continuously place fraudlent credit items on consumers credit reports. XXXX allows debt collection agencies to place fraudulent files on consumers credit reports and do not verify the debt. XXXX never mailed any verification information to me or anyone given permission to by me to accept any mail on my behalf. XXXX continues to cost me money by allowing creditors and collection agencies to put credit items on my file and do not verify those accounts. I XXXX XXXX XXXX maiden name : XXXX have never had an XXXX  account or an account with XXXX that the XXXX continues to allow to go on my credit file. This is fraud ... and XXXX have not and will continue to lie about investigating files that they never investigate. XXXX should be closed for there deceptive tactics.
Consumer complaint received 2024-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (CA)

I am a victim of fraud from the XXXX XXXX XXXX XXXX and XXXX and the lender Mosaic Solar. I had agreed to begin the design and construction for XXXX XXXX 's and he just had me do the Mosaic loan. It was done on his phone and I do not speak XXXX but apparently the lender gave the contractor {$150000.00} and he never gave me a contract. I have tried to get a hold of him to no avail. I even made the payments because I had perfect credit and wanted to protect it. At this point I want the loan cancelled, especially since absolutely nothing has been done, and Mosaic keeps calling me and my XXXX  children for the payment. I will no longer be paying the loans, there are XXXX for $ XXXX each. Mosaic gave the funds to the XXXX XXXXXXXX so they should collect from him since he left with ALL of the money. Mosaic should collect from him and cancel the XXXX loans and give me back any and all payments I have made. Please do this immediately. 

My next step will be to hire an attorney to protect myself. I have sent photographs and evidence that nothing was done that Mosaic has requested. If this is not immediately cancelled I'll have no choice but to file a suit and complaint to the XXXX XXXX against the XXXX XXXX and Mosaic because this is beyond unfair. I shouldn't have to be financially responsible for what the XXXX XXXX and Mosaic have done. I will also be filing a complaint with every government agency, especially those that regulate Mosaic. 

I need confirmation within 30 days. 
These are the loan numbers. 

Loan # XXXX # XXXX # XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (GA)

Experian has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has Experian remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout # XXXX
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: Experian Information Solutions Inc. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signatures it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

Creditor Name : XXXX - Account Number : XXXX - {$11000.00} Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My student loan was transferred to Nelnet recently. Nelnet heavily advertised their auto payment service, so I signed up for it. I logged into may account today and it shows a balance past due, despite being enrolled in auto payment. I waited on hold for 2 hours. The first thing the representative said to me was that I have a balance past due. I let him know I am enrolled in auto payment so how is that possible. He said auto payment takes two days to process AFTER the due date. This is such an odd and inconvenient system. How do they function as a bank with misleading practices? Why did they win the bid for my public loan? Who vetted them?
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
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 concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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: Experian Information Solutions Inc. (IL)

This complaint has been filed to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block the information appearing on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint.

I am a victim of XXXX, and the following account information, which appears on my Experian credit report, is a result of identity theft and fraud that occurred during this period of XXXX  : XXXX BANK Account Number : XXXX Date Opened : XX/XX/2016 I do not recognize this account as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Per Experian 's request, I have attached the following documents as proof that the aforementioned account is fraudulent and a result of my XXXX  experience : Official Police Report FCRA Section 605C Self-Attestation Form Notarized Identity Theft Affidavit Notarized FTC Identity Theft Criminal Complaint # XXXX Additionally, I have also provided results and proof from other credit bureaus that have removed this fraudulent account from my credit reports based on the same documentation provided, without any issues. 

You previously deleted XXXX BANK Account Number : XXXX, and Experian is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that Experian provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled because this account is a result of identity theft. 
These documents confirm my identity and substantiate that these accounts were created without my knowledge or consent. I am requesting immediate action to block and remove this account from my Experian consumer credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :