davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

Dear Credit Collection Services, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately.

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Credit Collection Services, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (IN)

Branch did not help me with filling claim as tried calling number to file claim no help was received Fraudulent Transactions Claim need to be made XXXX {$1500.00} XXXX {$4200.00} XXXX {$4900.00} XXXX {$4900.00} Total {$15000.00} Company is fraud. As this was an investment. Company has not responded .Branch has giving hard time filing claim as I went to branch and called XXXX. This was investment of mobile application which was never received
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 XXXX debt bondage, 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 information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-23
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 XXXX. The information listed below, which appears on my credit report, is the result of that 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
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX 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
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Consumer complaint received 2024-09-23
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. (IA)

I have disputed with these credit bureaus a few times and also with the company XXXX XXXX XXXX XXXX regarding them placing repeated charge off on my credit report every month and they sent back that it was legal to do so. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
XXXX. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 

Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed late payments. I sent letters over 30 days ago but have not received a response, and they have not provided satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received an email today XX/XX/24 ( XXXX ) of a hard inquiry on my account for applications through XXXX different banks that I havent applied for. The names of the bank are Bank of America and XXXX XXXX XXXX  in XXXX XXXX. I received a phone call last XXXX  from the XXXX department of Bank of America asking me to confirm if I had put in an application for a card which I did not. And I received an email just now ( XXXX XX/XX/24 ) telling me my application is pending for XXXX XXXX. I tried calling XXXX XXXX just now, but theyre closed. Once I saw the email about the inquiry, thats when I called back the number from the voicemail left from Bank of America. I have never heard of XXXX  XXXX bank until I saw that email. And I have never been interested in opening an account with Bank of America. Bank of America told me they put in a request to have an investigation done on the application that was put in and that it could take XXXX business days to be looked at. Bank of America said it may not be resolved if they dont find evidence of fraud, in that case I would have to open a dispute with the credit bureau .
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BANK OF AMERICA XXXX ...., BANK OF AMERICA XXXX ....
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-23
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. (PA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-23
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)

Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} Balance last updated : XX/XX/year> Balance : {$4200.00} Balance last updated : XX/XX/year> Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XXXXXX/XX/year> Dispute 2 Account Number or other information to identify account : Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4200.00} Balance last updated : XX/XX/year> Source of dispute information : XXXX Experian.com Type of disputed information : public records information unknown credit account/tradeline inquiry Dates associated with item being disputed : XX/XX/scrub>XXXX  Explanation of item being disputed : The report shows I owed money to the company that I have already repaid. This account was paid in full on XX/XX/year>
Consumer complaint received 2024-09-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA (MI)

I did a investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX code XXXX XXXX ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXXDept of ed XX/XX/XXXX XXXX amount XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

Yesterday, I received reports and credit score changes for XXXX  XXXX XXXX, also known as MOHELA, loans that were reported recently. 

When reviewing my XXXX, I see updated yesterday had the same information but only showing updated details to the account from happened about deferment becoming a fixed rate. 

XXXX was given the same information leading up to this as updates, but affected my credit scores even though Im currently on deferment. And in some of my credit reporting apps they are showing as 2 separate loans entirely. 

These were reported last on XX/XX/scrub>XXXX XXXX XXXX 

Balances : Ending in account number - XXXX  {$5400.00} Ending in account number - XXXX {$3700.00} Ending in account number - XXXX {$2300.00} These were reported last on XX/XX/scrub>XXXX XXXX XXXX 

Balances added to a new account : Ending in account number - XXXX {$3600.00} {$2300.00} {$5300.00}
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I previously had an account with Capital One several years ago. Those accounts were closed years ago. I ended up becoming a victim of identity theft several years back, and then again during the pandemic. I decided to open a savings account with Capital One recently ( applied a few weeks ago ) and I was ultimately denied due to not being able to verify my identity. I was told that I would need to travel to California and visit a branch in order to verify my identity. After that I happened to find out that I still had a freeze in place which I had lifted and then I decided to try to apply again for a checking account with Capital One 2 days ago. I spoke with several people. I ended up talking to a case management type department. I was told that there are several flags on my social security number. I was told that it appears that my social security number was breached. I was told that someone else may have been using my social security number. When I asked how can I find out for sure they stated that they cant provide me with that information. I said if someone else has ever used my social security number with capital one then that is information that I need to know. I asked can you provide me with if there is any differing address or contact info on file that would be different from mine. They stated that they cant provide me with that information. I said are you kidding me? You are telling me that my social may or may not have been breached, that someone else may or may not have used my social security number with capital one .. and you are telling me that you can provide me with no information for me to know for sure they said yes thats correct. They said that I will need to travel to California, provide all my forms of ID along with myself, and then they can provide me with further information. I told them I am going to seek out legal assistance and they just said ok. They seemed to be just fine not providing me any type of information at all about my own social security number. I very very recently filed bankruptcy and was discharged, so I am also going to contact my bankruptcy attorney on it. All I wanted to know is if someone else ever used my social security number with Capital One and they have been refusing to provide me that information. I am not going to travel all the way to California just to find out that information. Its beyond ridiculous and disgusting to put customers through this.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (RI)

I had a XXXX XXXX XXXX come to lease term ( my daughter 's XXXX XXXX car ). My daughter purchased another XXXX and turned the car in on XX/XX/XXXX. The lease termination date was XX/XX/XXXX. XXXX 's own records say the car was turned in on XX/XX/XXXX. XXXX XXXX XXXX told me that there was a grace period on the turn in and the lease payment was not due. 

XXXX ( XXXX ) others said it was due. 

These reps are poorly trained and give conflicting answers - seemingly almost intentionally.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXX first proved that the account was used to service a XXXX XXXX XXXX, a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or Experian, XXXX, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

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 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

I am writing to formally report an issue with Synchrony Bank, whose actions have unfairly impacted my credit score, in violation of ethical financial practices. Despite my proactive efforts to update my payment information with the bank, their failure to use the correct account has resulted in dishonored payments, the closure of my account, and damage to my credit. 

The details of my complaint are as follows : I have two accounts on file with Synchrony Bank. 

I updated my payment method to use a new account, which should have been used for all withdrawals. 

Despite this, Synchrony Bank continued to draw funds from the old account, resulting in payment rejections. 

Synchrony Bank closed my account due to the number of dishonored payments caused by their negligence. 

This account closure has directly lowered my credit score, which now reflects missed payments that were entirely avoidable if the bank had used the correct account on file. 

I have made every effort to ensure that my accounts were properly updated and managed. However, Synchrony Banks lack of due diligence in processing my payments from the correct account has caused unjust harm to my creditworthiness. I believe this situation may be in conflict with the principles of the Equal Credit Opportunity Act ( ECOA ), as the outcome appears to be a result of procedural negligence rather than any action or intent on my part. 

This situation has caused me significant financial and emotional distress, and I ask that you investigate this matter urgently. I trust that Synchrony Bank will be held accountable for its negligence and that this matter can be resolved without further negative consequences to my credit score. 

Please feel free to contact me if additional documentation or information is required. I appreciate your attention to this issue and look forward to your timely resolution.