davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

I checked my credit report and noticed a late payment on an account that I always paid on time. Back in XXXX, I sent a letter requesting the removal of these late payments, but I received no response, and the issue remains unresolved. Under 15 USC 1666b, a creditor can not mark a payment as late unless they ensure the statement is sent at least 21 days before the due date. Credit agencies must report accurate information, as required by the Fair Credit Reporting Act. I never missed a payment and didnt give permission to report these accounts, XXXX  XXXX [ XXXX ], XXXX XXXX XXXX  : [ XXXX ], XXXX XXXX XXXX  : [ XXXX ]. Please investigate and provide proof showing these payments were actually late and that I approved reporting them. If you can not provide this proof, I request that these payments be corrected to show on-time, as I was never late.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (MS)

VALIDATION AND CEASE AND DESIST Paragon Revenue Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Paragon Revenue Group, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 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
Consumer complaint received 2024-09-25
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)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
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. (TX)

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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called XXXX XXXX multiple times in the last XXXX  months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call XXXX XXXX States i have been removed but the account still shows on my credit reports.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (AZ)

According to one of your checks, in XXXX I got arrested with a XXXX in Texas and XXXX XXXX time. I can prove thanks to todays technology, that not only have I never been to Texas before XX/XX/XXXX but also where I was on the date in question exactly. I have never lived in Texas nor do I ever plan to. Further more on some of the record information it has me with the last name XXXX. While I was briefly XXXX  to a XXXX between XXXX I had never used or changed my last name to XXXX  because it is pronounced gross and I wanted no association with it just because I had chosen to XXXX. I am unsure if I should see if someone stole my identity or how to dispute properly as the pages and links provided seem to link me back to a help page rather than move me forward.
Consumer complaint received 2024-09-25
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)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-21
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (KS)

Starting on XX/XX/year> XXXX XXXX has called my underage child to collect a debt not owed that has been removed from my credit report XXXX months ago. The relevant law regarding debt collection practices in the XXXX is the Fair Debt Collection Practices Act ( FDCPA ), found in Title 15 of the U.S. Code, Sections XXXX to XXXX. Specifically, Section XXXX prohibits debt XXXX from communicating with third parties, including minors, without the consent of the debtor. For detailed information, you can refer to 15 U.S.C. 1692. 
This is a violation as my child was XXXX XXXX XXXX at time of this happening and we are unaware of how they would have even accessed her information to contact her.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
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 — Investigation took more than 30 days
Company: Army and Air Force Exchange Service (CO)

This institution is reporting charge-off accounts on my XXXX and XXXX credit report. However, they have failed to conduct proper investigations or provide the necessary documentation as required by law under the Fair Credit Reporting Act ( FCRA ). 

As per my rights under the FCRA ( 15 U.S. Code 1681i ), I formally disputed these charge-off accounts, requesting a full investigation and validation of the debts in question. According to the FCRA, credit reporting agencies and the institutions furnishing the information are required to : Investigate the Dispute : Upon receiving a dispute, the information provider must conduct a thorough investigation and respond to the consumer within 30 days. 

Provide Written Results : The consumer must be provided with the results of the investigation and any supporting documentation that proves the validity of the debt. 

Cease Reporting if Unverified : If the information provider is unable to verify the debt after an investigation, they are required by law to cease reporting the incorrect or unverifiable information to the credit bureau. 

Despite multiple disputes, these institutions have not provided me with the required results of their investigations. Furthermore, I have not received the proper validation documents to substantiate the charge-off accounts. This is a direct violation of the FCRA and my consumer rights. 

I am requesting that these institutions be held accountable for failing to adhere to the legal obligations outlined in the FCRA. I ask that these charge-off accounts be immediately removed from my credit report due to their inability to provide proper validation and investigation results. Additionally, I am requesting that these institutions notify XXXX to delete any erroneous or unverifiable information. 

I appreciate your attention to this matter and expect swift action to resolve these issues. 

Thank you for your assistance.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RGS Financial, Inc. (PA)

On XXXX at XXXX XXXX est, I received a call from XXXX asking for a XXXX XXXX. I never gave my name or confirmed any name. The guy calling, assumed it was the person he asked for and started on with his debt collection call. I stopped him at the point of the call being recorded and told him repeatedly I do not consent to any recording and to stop recording. 
( Note : " Pennsylvania 's Wiretapping Law, 18 Pa. C.S.A. 5704 ( 4 ), requires the consent of all parties to record a phone call, including debt collector calls. This means that the debt collector and the person being recorded must both agree to the recording. The law defines " interception '' broadly, including listening in on a conversation without consent. Failure to obtain consent can lead to criminal prosecution and civil liability. " ) This guy repeatedly kept saying he can record and is not stopping the recording, kept trying to push his debt collection call while recording and kept arguing about the call and the recording. I kept telling him to stop recording, I do not consent to any recordings, this recording is illegal, refused to answer any questions or give my name, and telling him he is violating my rights. 
I requested information which I had to repeatedly ask over and over again and have spelled out, but did finally get. At first he refused until told him he is required to give it. 
I then requested a supervisor. After mins on hold, this same guy came back on, same voice and tone acting like a supervisor saying he is a supervisor when you could clearly tell it was the same person. I called him out on it, repeated this call is illegally being recorded and that I am filing a complaint. I also told them not to ever contact me again. 
Then hung up. 
Company info RGS XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX rgsfinancial.com
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: TFC Credit Corporation of California (CA)

Dear TFC Credit Corp, Re : Account # [ Insert Account Number ] Consumer : XXXX XXXX XXXX I am writing to formally address the improper and unlawful reporting of a collection account under my name, XXXX XXXX XXXX, which I unequivocally dispute. This letter serves as my final request for immediate removal of this collection account, as it violates multiple provisions of federal consumer protection laws. Despite numerous attempts to resolve this matter via written correspondence and phone calls, your company has failed to respond appropriately. This non-response is a direct violation of your obligations under consumer law. 

Please be advised of the following : False and Misleading Information Violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ) : Under the FDCPA, it is unlawful to attempt to collect any debt that is not valid or is not owed by the person in question. This debt does not belong to me, and continuing to report it or collect on it constitutes a clear violation.

Failure to Validate Debt Violation of FDCPA Section 809 ( 15 U.S.C. 1692g ) : I have requested validation of this debt on multiple occasions, as is my right under the FDCPA, and you have failed to provide the necessary documentation. Your failure to validate the debt while continuing to attempt to collect it is unlawful.

Fair Credit Reporting Act ( FCRA ) Violation Section 623 ( 15 U.S.C. 1681s-2 ) : As the furnisher of information to credit reporting agencies, you are obligated to ensure the accuracy of the information you report. By reporting this inaccurate and disputed information, you are in violation of the FCRA.

Given the multiple violations of my consumer rights under the FDCPA and FCRA, I am demanding that you : Immediately cease all collection efforts related to this account.

Remove any negative information associated with this account from my credit reports with all credit bureaus.

Provide a written response confirming the removal of this account within 10 business days from the date of this letter.

Failure to comply with this demand will leave me with no choice but to pursue legal action, which may include filing a lawsuit for statutory damages, attorneys fees, and any other applicable remedies under the FDCPA and FCRA.

I trust you will take this matter seriously and resolve it promptly to avoid further escalation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (UT)

I requested an itemized bill be mailed to my address XXXX weeks ago which I never received. I had XXXX phone conversations with them after the fact, notifying them that the bill was not received and requested to have them send it out again which they refused both times. They said if I wanted a bill that I would have to physically come into their office and request it at their front desk.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted my 1st complaint with CFPB on XX/XX/2023 regarding information being reported inaccurately as well as fraudulent accounts. There were additional fraudulent accounts reported such as XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, and still reporting that wasn't fixed initially XXXX XXXX  Account # XXXX.I 've reached out numerous amounts of times regarding these fraudulent accounts and sent in dispute letters along with my supporting identification documents. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that those accounts belong to me, and all information is incorrect. These accounts as well as numerous Hard and Soft inquiries are affecting my hard work of still trying to purchase a home for me and my children.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, 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.

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 2024-09-19
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. (GA)

according to 605b of the fcra a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 usc 1681c-2 blocking of information resulting from identity theft. I filed ftc report and sent a written statement explaining that these transaction weren't related to me in any way as the consumer. that I've never received money or general goods but yet they've failed to properly investigate and verified the erroneous accounts from their failure to properly re-investigate these claim.
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: EQUIFAX, INC. (MI)

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

1. XXXX FED XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3. XXXX FED XXXX - XXXX 4. XXXX XXXX XXXX - XXXX 5. XXXX XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX 1. XXXX  - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX Please block this information from my credit report within XXXX 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 2024-09-25
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. (FL)

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.