davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. California XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX XX/XX/year> Re Acct # XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

10 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

several accounts listed on my credit report, which I believe are inaccurately attributed to me. I do not recognize the following accounts and requested the company that they be thoroughly investigated and removed never got ana naswer response email nothing please help me XXXX XXXX ( Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) XXXX XXXX  ( Account ending in XXXX ) XXXX XXXX ( Account ending in XXXX ) I
Consumer complaint received 2024-09-21
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: Self Financial Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SBNASELFLNDR, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that SBNASELFLNDR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for SBNASELFLNDR to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that SBNASELFLNDR immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that SBNASELFLNDR will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (MN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), consumer reporting agencies like XXXX and XXXX are mandated by law to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, as the consumer, have the right to ensure my private information is not shared without my explicit written consent. In line with 15 USC 6801, financial institutions have a continuing obligation to protect the privacy and security of their customers information. The law ( 15 USC 1681 section 604 ) states that consumer reports can only be furnished with written instructions from the consumer, which you do not have. I revoke any perceived consentwhether its verbal, written, or implied. Additionally, 15 USC 6802 makes it clear that I have the right to opt out of this process, which I was never informed about. Also, the reporting of adverse information that is older than seven years is prohibited by 15 USC 1681C, and this account falls into that category. You are in violation of the law, and I am formally opting out of this reporting. I demand immediate action to remove this account from my credit report.
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: T.S. Holdings (AZ)

i moved out from my apartment XXXX the reserve at XXXX XXXX XXXXXXXX XXXX XXXXt was in great condition, the lady told me they were going to call me if anything t i need it to pay in case they need to clean the carpet, never got a call, they have my email, my new address and my phone number of course they never contact me. till i get a letter that they sent me to collections, i called the apartments spoke to a lady name XXXX asking her why they didn't contact me first about the fee, they did not have any records of them trying to contact me till now they have not contacted me regarding that issue.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC (FL)

American Coradius International LLC mailed a letter on XX/XX/2024 attempting to collect a debt for a XXXX credit card for XXXX The letter was mailed to XXXX XXXX XXXX XXXX. This is not my address. This is my XXXX  parents home. I do not live there/ nor do I use this address. This is harassment and undue stress in already troubling times.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I filed a previous complaint # XXXX with Specialized Loan Service LLC which has now changed their name to Shellpoint which was the previous prior name. Specialized refuded our escrow to us by mistake. I filed the complaint and we were to pay the remaining balance of {$4400.00} to get escrow back where it should be and our payment would go back down to the {$5000.00}. We paid the {$4400.00} on XX/XX/year> and were told that Shellpoint would rerun the escrow analysis and our payment would go back down to the {$5000.00} for the XX/XX/year> payment. We received our statment and the payment is still at {$5500.00}. I called and they can not locate the escrow analysis and can not confirm that we paid all the escrow. I spoke to XXXX at Shellpoint on XX/XX/year>. The call was recorded. This is a scam of a mortgage company, constantly changing their names, bad reviews, scams, etc. I want my mortgage payment back down to the correct amount prior to them refunding escrow by mistake. This is their mistake. I do not want them as my mortgage company anymore how can I get another mortgage company without it costing me substantial money? Specialized Loan Service LLC and Shellpoint have done things that should not have been done on my account.
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (LA)

Originally I took out a mortgage with XXXX XXXX. Shortly after closing my mortgage was sold to Mr. Cooper. I was told by XXXX XXXX  that they would provide payments to Mr. Cooper. I made payments to XXXX XXXX  which I thought would be forwarded to Mr. Cooper. Mr. Cooper did not receive the payments and put my mortgage into default. The payments were forwarded by XXXX to Mr. Cooper. on XX/XX/XXXX. I have provided Mr. Cooper the wire transfer evidence as well as my personal bank statements to prove payments were made by myself. They are refusing to take action on this matter within a reasonable time frame. Customer service will not take any action on this matter despite all the documentation I have provided. My account is still in default and credit action will be taken on my account if it is not resolved. I would like account to be updated to reflect the payments I have made, as well as my mortgage to be taken out of default. 


XXXX XXXX  closing date : XX/XX/year> MR. Cooper purchases mortgage on XX/XX/year> First payment Due XX/XX/XXXX ( Payment of XXXX made XX/XX/XXXX ) Second Payment Due XX/XX/XXXX ( payment of XXXX made XX/XX/XXXX ) XXXX  transfer account balance to Mr. Cooper of XXXX on XX/XX/XXXX )
Consumer complaint received 2024-09-19
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. (SC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I never signed any contract agreeing to acknowledge any accounts made with Columbia Debt Recovery. There is no verifiable information this debtor has to collect any form of payment from me, and I have asked multiple times to be placed on the Do Not Call list with no luck. This Debt Collection is now in breach of the FDCPA code as they are still sending threatening emails and calling my number from different spam numbers on a frequent basis.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial (PA)

I contacted west creek financial in XXXX about a car lease on my credit report that I never applied for and asked for the original copy of the credit application so I could see who opened this account in my name if you look at my credit report I was never late with any of my payments until this issue now it is in collections the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel XXXX I never received the the copy of the original credit report I would like to have this account removed from my credit report
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (TX)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
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 — 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 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kenneth, Eisen & Associates, LTD. (AZ)

I don't know the debt owed to me amount {$8200.00} by XXXX XXXX and XXXX XXXX opened on XX/XX/year> ; I am a victim of identity theft.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I checked my XXXX credit report and noticed an inaccurate and Unverified collection account from RASH AND CURTIS on my XXXX credit report. This account has previously been removed by XXXX and XXXX. in accordance with XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY This account violates these laws : 15 USC 1681i, 15 USC 1681s2 15 USC 1681i5 I demand that this inaccurate collection account be Deleted immediately in accordance with FDCPA and FCRA
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Columbia debt recovery XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Re : ** Account Number : XXXX Dear Columbia debt recovery I am writing regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am formally requesting that you validate this debt. Please provide the following information in writing : 1. The amount of the debt, including any fees or interest added.

2. The name and address of the original creditor.

3. Proof that you have the legal right to collect this debt, such as a copy of the signed agreement or contract.

4. A copy of any judgments, if applicable.

5. Verification that this debt belongs to me, including documentation such as a payment history or an itemized statement. 

In accordance with the FDCPA, I also request that you cease all collection activities, including phone calls and written communications, until you have provided proper validation of this debt. Please note that any attempt to collect this debt without validation will be considered a violation of the FDCPA. 

Thank you for your cooperation, and I look forward to your timely response. Please send all correspondence regarding this matter to the address listed above. 

Sincerely, XXXX 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. (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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (SC)

I have lost my phone on the XX/XX/XXXX and theres a withdrawal in my account that was made on XX/XX/XXXX amounting to {$1600.00} and {$200.00}. I have reported this to Chase claims department including a withdrawal of {$4700.00} on my account leaving my account to be overdrafted. When I filed the claim, they told me there will be a resolution by the XXXX to XXXX day. When the XXXX day has arrived, I still havent received any updates. Talked to a lot of agents and they keep on circling and repeating every details they are telling! When I called on the XXXX day they told me to call on the XXXX day because I should have a resolution by then only to find out they are waiting for the packet that will be signed by me. I have already informed me I am not informed that such papers are needed in order for them to work for my claims! They didnt even gave me reconsideration and my account is restricted and they decide to close my account! Either way, even if I win the case for the claims of {$6400.00} I will still not get my money because they have closed my account! 

Chase! {$6400.00} is not a small amount! I want my money back!
Consumer complaint received 2024-08-16
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. (FL)

I am writing to dispute the findings of the investigation conducted by the credit bureaus regarding the accuracy of the information on my credit report. The credit bureaus have stated that the Account Name and Account Number were properly investigated, but this is impossible when the open date, the date last active, and the date last reported are all inaccurate. These discrepancies are grounds for the removal of the account from my credit report.

Additionally, my rights under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), have been violated. This law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided written permission for these accounts to be furnished on my credit report. 

Given these violations and inaccuracies, I am requesting that these accounts be removed from my credit report immediately. I expect prompt action to address these issues in compliance with federal law. 

Sincerely,