davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

CFPB complaint 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 XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-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 informatin requested from the list of acceptable itms 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 ). 

XXXX XXXX text I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself insert name last XXXX Social Security number is XXXX, XXXX : XX/XX/XXXX Please delete the following accounts. XXXX  balance XXXX, XXXX  balance : XXXX, XXXX  balance : XXXX, XXXX XXXX balance : XXXX, XXXX XXXX XXXX XXXX balance : XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit reported. I received a 1099-C ( Cancellation of Debt '' ) for the following charged off account listed below. for XXXX account # XXXX checking my most current reported updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-07-27
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. (IA)

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by. XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Experian Account # XXXX
Consumer complaint received 2024-07-27
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)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

Dear Sir/Madam ; XXXX XXXX XXXX ; MIDLAND CREDIT XXXX I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-27
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. (CA)

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 XXXX 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 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: New Century Auto Sales, Inc. (ME)

Correction to complaint # XXXX Filed XXXX in XXXX. Right soon afterwards, I received a mailing from this company, in XXXX XXXX, regarding financing a vehicle post XXXX XXXX. I contacted company by telephone, and requested to be removed from thier mailing list. XXXX, XXXX, I received another letter, to whick I returned to sender. XXXX, XXXX, I received another mailing, to which I photographed the letter, and returned to sender. On the letter, I wrote " Refused and documented '', as well as " Do not call ''. which translates to please stop mailing me.
Consumer complaint received 2024-07-27
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-27
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. (VA)

On XX/XX/2018 I had a balance of XXXX for a repossessed truck with XXXX XXXX XXXX XXXX.This account balance was written off as a loss.XXXX  years later the account was turned over to recovery collection company.I agreed to make monthly payments starting on XXXXI made ontime payments until XXXX XXXX XXXX.I was able to get the money to pay off this account at the end XXXX XXXX sent payment in check form to the collector.I requested a payoff letter from collector so that I could update my credit report with all XXXX bureaus.I received that letter dated XXXX XXXX collector did their part by providing that letter.The letter had their company letterhead along with contact information.The letter stated that the account was indeed paid in full.Then I disputed the XXXX XXXX XXXX account all XXXX credit bureaus as paid in full along with a copy of the letter.Transunion and XXXX immediately updated that closed account as paid in full XXXX my credit report.However the problem that I am having is with Experian.After XXXX failed reinvestigations with attached letter ; Experian refuses to change my credit report.I did contact the XXXX XXXX by phone as well.I have no problem with the collection company.They did their job.My problem is with Experian doing their job.If they had any doubts, all the contact info is in that letter. 
Thanks for your help in resolving this matter.
Consumer complaint received 2024-07-27
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. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-07-27
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC XXXXdentity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 XXXXeven 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 2022-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

Receivable Solutions continues to change the acct number once the dispute was deleted. All the medical bills were paid straight to XXXX XXXX center after my accident and they failed to report to receivable solutions.Receivable Solutions keeps part of the debt collected. However the debt was paid straight to XXXX XXXX XXXX when my lawsuit was settled. It should have never been reported to begin with because my attorneys sent them lettters.
Consumer complaint received 2024-07-27
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. (SC)

To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for XXXX but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with Experian. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile.

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {XXXX per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, XXXX XXXX
Consumer complaint received 2022-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (CO)

I have insurance and the hospital did not submit my insurance information to cover the costs for this bill. I've called the hospital multiple times to have them add my insurance to the bill. They failed to submit any of my information and now my bill has been sent to collections.
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MO)

My mortgage loan transitioned from CMC Funding to Newrez-Shellpoint Mortgage Servicing in XX/XX/year>. My automatic payments carried over, but in the first month ( XXXX ) my payment of {$1200.00} was withdrawn twice from my bank account. The first payment was withdrawn on XX/XX/XXXX and then again on XX/XX/XXXX. I gave it a few days to see if the extra payment would be returned. When I still didn't have the money returned after a few business days, I submitted a question through the online portal. On XX/XX/XXXX, I got a message back saying there was a double payment draft, and that the payment processing team had corrected the issue. According to the email, I should have received the funds back on XX/XX/XXXX or XXXX, and if the payment has not been refunded to submit a copy of my bank statement to them through the web portal again. 

My bank only lets me print out monthly statements, so I submitted a screen capture of my bank account transactions to Shellpoint around XXXX XXXX. I never heard anything back. I then submitted a copy of my XXXX bank statement showing the double withdrawal and no refund on XX/XX/XXXX once it was available ( note : I highlighted the Shellpoint transactions and blacked out descriptions of other unrelated payments ). I finally received a message back on XX/XX/XXXX, basically saying the payment should have been returned already and that the statement I submitted was not sufficient. I would need to submit a detailed unedited XXXX bank statement again. So I submitted my full XXXX statement ( unedited this time ) on XX/XX/XXXX. I have not heard back from Shellpoint since this submission and still have not had my missing funds returned as of XX/XX/XXXX.
Consumer complaint received 2024-07-27
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of XXXXXXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX DOB : XX/XX/year> SS # XXXX Subject : Dispute of Incorrect Information ( FCRA Section 605C ) To Whom It May Concern, I am writing to formally dispute the below listed accounts on my credit report, as I am a victim of human trafficking. This letter serves as my self-attestation regarding the accounts caused by my victimization listed below, in accordance with the provisions under Section 605C of the Fair Credit Reporting Act ( FCRA ), which pertains to victims of trafficking, and request deletion of the following accounts : XXXX XXXX  bankruptcy XXXX Reference Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Original Balance {$430.00} XXXX XXXX XXXX Account XXXX XXXX Original Balance {$36000.00} XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX {$950.00} Account Number XXXX XXXX XXXX XXXX Account Number : XXXX Credit Limit : {$100.00} XXXX  XXXX XXXX Balance XXXX {$950.00} Account Number XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} As a victim of human trafficking, I was coerced into financial activities that resulted in the negative marks on my credit report. These activities were beyond my control and were a direct result of my exploitation. Pursuant to Section 605C of the FCRA, I am entitled to have these inaccuracies corrected or removed from my credit report.