davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (NC)

I am writing to formally request the immediate blocking and removal of inaccurate information in my consumer report, as required under 15 U.S. Code 1681c-2. The information I have identified is the result of alleged identity theft, and according to federal law, you are required to block this information no later than four business days after receiving this notice.

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the information in my file must be reported accurately. The accounts listed below are in violation of this requirement and have compromised my federal consumer rights, including my right to privacy and confidentiality, as outlined under 15 U.S. Code 1681.

Furthermore, under 15 U.S. Code 1692g, I am entitled to receive validation of the debt, including proof of a purchase agreement or a wet signature demonstrating that I committed to the debt in question. If such proof is not provided, you are required to remove the accounts from my report immediately. 

**Accounts in Violation : ** [ List the accounts in question here ] Pursuant to 15 U.S. Code 1681, Section 602 ( a ), I am entitled to privacy concerning my consumer report. Further, under 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts or information without my written consent. I did not provide written permission for these accounts to be included in my credit report, as outlined in 15 U.S. Code 1681a ( 2 ).

I also bring to your attention 15 U.S. Code 1666b, which requires that creditors promptly correct billing errors upon notification. As such, the inclusion of these accounts on my report constitutes a billing error, and they must be corrected immediately.

Additionally, under 15 U.S. Code 1601, the purpose of the Truth in Lending Act is to promote the informed use of credit through meaningful disclosure of credit terms. The inclusion of unverified accounts violates this principle and misleads the consumer.

Finally, I refer to 18 U.S. Code 1028A, which imposes severe penalties for aggravated identity theft. The failure to address the issues raised in this letter may result in further legal action under this statute.

I request that you provide the original copy of the agreement, including all terms and conditions, associated with the accounts in question. If you fail to provide this documentation, you are required to delete these accounts from my report. 

Please take immediate action to block these transactions from being reported to my consumer report within XXXX days from the receipt of this notice. Failure to comply will result in further actions, including potential claims for damages up to {$1000.00} per account, as permitted by law. 

I look forward to your prompt response and the resolution of this matter. 

Sincerely,
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

XX/XX/year> - XX/XX/year> I received correspondence from XXXX XXXX XXXX XXXX regarding an amount of XXXX A request written and oral was made in writing to Cease and Desist all communication.
Consumer complaint received 2024-10-28
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. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Also it is incorrectly reporting this account as well. Its reporting as Closed, paid, and open on all 3 Credit Bureaus.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX account number XXXX on XXXX , XXXX on Experian, XXXX on XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of the ongoing violations concerning my credit report. Your continued failure to address my disputes is a direct violation of federal law, specifically 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), regarding furnishing reports in connection with transactions not initiated by the consumer. 

In my previous correspondences, I highlighted unauthorized inquiries that remain unresolved. This failure to act places your agency in willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 

For the following items, you are instructed to act in full compliance with the law :
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

CREDIT COLL Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account.

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
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)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

After reviewing my credit report i realized you are reporting inaccurate credit information. This account was resolved and promise to be deleted on my report i paid the account and the debt collector deleted on their part but when i called the original creditor i was told to contact the credit bureau because they have no control of matter anymore. Please delete of my credit report ASAP. THANK YOU. 


XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-17
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. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Errors on my credit report related to 15 USC 16c-2 show unauthorized hard inquiries, which are hurting my score. Please remove all inquiries I didnt authorize. Thank you.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-09-17
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. (NY)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than 9 different names among the 3 credit groups.

On my Experian credit report, I have 6 different names, 2 wrong addresses, and the wrong employee position. 
On my XXXX credit report, I have 2 different names 1 Wrong address, and the wrong employee position. 
On my XXXX credit report, I have 1 wrong address, wrong phone number, and wrong employee position.
Consumer complaint received 2024-09-16
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. (PA)

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 2024-10-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/XXXX & XXXX I received a text notification from a collection agency to give them call of unknown debt Without any information about the debt. 

So this is my validation request : Credit Collection Services XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> RE : Validation of Debt To Whom It May Concern : I am writing in response to the recent text messages I have received from your agency regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am exercising my right to request full validation of this debt to verify that your agency has the legal authority to pursue this matter. 
Please provide all of the following information : 1. Proof of Ownership : Documentation showing that your agency has the legal right to collect on this debt, including the original creditors name, date of the original debt, and chain of ownership to your agency. 
2. Account Details : A copy of any contractual agreement that binds me to this debt and proof of the amount owed, including a breakdown of all interest, fees, and charges added to the original amount.

3. Verification of Compliance : Written evidence that your agency is compliant with the licensing and registration requirements in my current state of residence, New Jersey, as well as adherence to all local and federal regulations. 
4. Cease Text Communications : Under the Telephone Consumer Protection Act ( TCPA ), I request that all future communications be limited to written correspondence only. Any further text communication may constitute a violation of my rights. 
5. Dispute Statement : This letter serves as notice that I am disputing the validity of this debt until you provide sufficient documentation as requested. 
6. As required by the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must send a written validation notice within five days of their initial contact with a consumer about a debt. This notice should include essential details such as the amount of the debt, the name of the original creditor, and instructions on how to dispute the debt if necessary. To date, I have only received text message communications from your agency without any such written notice. This lack of formal documentation may constitute a violation of the FDCPA, as text messages alone do not satisfy the requirements for debt validation. 
Please note that any continued attempts to collect this debt without providing the requested information may be a violation of the FDCPA and other consumer protection laws. I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies should you fail to comply with this request. 
Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

The company is violating my rights they have not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/24 I made a purchase through XXXX for XXXX XXXX tickets. This purchase should be eligible for 5 % bonus rewards in accordance to Chase Flex card quarterly promotional program. I have receipts from both XXXX XXXX XXXX XXXX proving this purchase but Chase falsely denied that and argued that I made the purchase directly with XXXX and not through paypal. I have tried opening a case to have Chase investigated but they disproved my receipts, closed my case and stated that my purchase was not elegible. I continued to call and asked for help multiple times without any resolution. I intentionally use my Chase credit card instead of my many other credit cards to make such purchase because of what was promised, but now I felt being cheated and lied to by a big corporation. I want to file a complaint against Chase business conduct and false promotional program, thus alerting everyone of their lack of professionalism and poor customer service
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The account in question is from XXXX XXXX XXXX, with the following details : Account Number : XXXX Balance : {$52.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Balance Date : XX/XX/year> Account Status : Not Satisfying Trade Dispute Basis : No Valid Contract : I do not have any contractual relationship with XXXX XXXX XXXX. Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must not use false, deceptive, or misleading representations. The absence of a direct contract between myself and XXXX XXXX XXXX invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. The information reported by XXXX XXXX XXXX, including the balance and status of this account, is inaccurate. Furthermore, the account was reported as " Seriously past due '' without sufficient evidence or verification of the debt. 

Potential Consumer Rights Violation : Reporting this account as derogatory without a valid contract and sufficient evidence XXXX constitute a violation of my consumer rights under the FCRA. The lack of detailed payment history and unclear status updates further questions the legality of this reporting. 

Request for Resolution : I request that [ Credit Bureau XXXX ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. 

Please notify me of the outcome of your investigation within the XXXX period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. 

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX