davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

RADIUS GLOBAL SOLUTIONS HAS FRAUDULENTLY ACCESSED MY PRIVATE AND PERSONAL CREDIT HISTORY WITHOUT FIRST OBTAINING MY WRITTEN CONSENT. THEY ARE A THIRD PARTY DEBT COLLECTOR AND HAVE NOT BEEN GRANTED ANY PERMISSION BY ME TO ACCESS ANY OF MY PRIVATE OR PERSONAL INFORMATION. I HAVE NEVER CONTRACTED OR AGREED TO DO ANY BUSINESS WITH THEIR COMPANY. THEIR ACTIONS ARE A DIRECT VIOLATION OF FDCPA AS WELL AS MY PRIVACY RIGHTS. WHEN I CONTACTED ONLINE INFORMATION SERVICE THEY REFUSED TO GIVE ME DETAILS ON XXXX ) HOW THEY OBTAINED MY PERSONAL INFORMATION XXXX ) WHO GRANTED THEM ACCESS XXXX ) SENDING ME ANY SIGNED AGREEMENTS OR CONTRACTS BEARING MY SIGNATURE IN AGREEMENT TO CONTRACT OR DO BUSINESS WITH THEIR COMPANY XXXX ) ANY SIGNED DOCUMENTATION FROM ME AGREEING TO GRANT THEIR COMPANY ACCESS TO MY PRIVATE AND PERSONAL INFORMATION I DO NOT AGREE TO CONDUCT ANY BUSINESS WHATSOEVER WITH RADIUS. MY PRIVACY RIGHTS HAVE BEEN VIOLATED AND BECAUSE OF THIS FRAUDULENT REPORTING I AM SUFFERING GREAT MENTAL ANGUISH AND STRESS IN WHICH IF NOT RECTIFIED PROMPTLY I INTEND TO SEEK DAMAGES TO THE EXTENT OF THE LAW FOR EACH OCCURENCE.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to address an issue with inaccurate late payment entries on my credit report. After carefully reviewing my payment records, I noticed several instances where payments were reported as late despite being made on time. Over 30 days ago, I sent correspondence along with documentation disputing these erroneous late payments, but I have not received a response or resolution. 

Despite my efforts to resolve this through proper channels, the inaccurate late payment entries remain on my credit report. This is unacceptable and violates the Fair Credit Reporting Act, which requires credit bureaus to maintain accurate consumer credit information. 

I am respectfully demanding that you investigate this matter promptly and remove or update any inaccurate late payment entries from my credit report. Continuing to report incorrect payment information is misleading and damaging to my credit profile.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-31
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. (TX)

I found mistakes on my credit report, so I sent letters to XXXX, XXXX, and Experian explaining the errors and listing the accounts involved. It's been more than 30 days, and they haven't replied. I'm attaching copies of the letters. According to the Fair Credit Reporting Act, my credit report must be completely accurate, but these accounts aren't meeting that standard, violating sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).
Consumer complaint received 2024-05-31
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 2024-05-31
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Name of Account : XXXX  XXXX Account : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded as a VERIFIED AS ACCURATE and UPDATED But how is that possible? you said is verified as accurate and updated but they lied because the account is still looking the same so how is that possible? 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-31
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. (TX)

You are in violation for reporting an unverified account on my credit report. I am not the owner of account XXXX XXXX XXXX XXXX XXXX. I submitted a XXXX complaint notifying you of this inaccuracy and submitted an FTC report which was submitted via XXXX. My FTC report number is XXXX. I did not authorize this account to be taken out in my name nor does it relate to anything I did. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX & XXXX XXXX XXXX : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX IN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-06-01
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. ()

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-31
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. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX I wrote a check for my quarterly payment to the IRS for {$4000.00}. I noticed that this check cleared my XXXX XXXXk Account back in XXXX. In XXXX of XXXX, I received mail for the IRS stating that they never received this payment. So, I asked XXXXXXXX XXXX for a copy of the check. I learned that my check that is/was made payable to " US Treasury XXXX was deposited ( or cashed ) in/into a Chase Bank. The check was/is endorsed by what appears to be an individual 's name. I have a copy of this processed check ( front and back ) for you to review. I asked my bank, XXXX to help me. They processed a claim with Chase. Chase denied my refund unless I provided them with a signed/notarized affidavit signed by US Treasury XXXX I went to the IRS XXXX at XXXX XXXX XXXX, XXXX. Tx XXXX. The IRS told me that they can not and will not sign such affidavits. I then went in person to a local Chase Bank and sat with the bank manager. She told me that I had to have my bank fill out a form and send the request to Chase. I explained that that process was done and that is how I got to her. She said there was nothing else she could do. I ended up calling an XXXX number and asking Chase to consider helping a non-customer request. They did call me back and said they would not help me.
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

my account ( # XXXX ) with NetCredit was paid off through an agreement with XXXX XXXX XXXX. In reviewing my NetCredit Account History, the initial loan amount was {$5100.00} on XX/XX/XXXX. To date, I've repaid {$11000.00}, of which only {$1100.00} applied to the principal. In XX/XX/XXXX, through an agreement with XXXX XXXX, Net credit accepted a payoff balance of {$4800.00}, with a monthly payment of {$220.00} per month. XXXX XXXX XXXX, have informed me that my loan is now paid in full as of XX/XX/XXXX. The final payment of XXXX was posted on XX/XX/XXXX, to my NetCredit account. However, my account is still showing a balance of {$3900.00}. Not only is this paid off NetCredit continues to raise the reported balance on my credit report. This company continued to report false information on my credit report and refuses to remove it. It is reporting that I have been past due for over 180 days on this account for the last 24 months. This is impossible because they agreed to accept a monthly payment that was never late. I would like this account removed from my credit reports immediately. 
On XX/XX/XXXX, I reached out to NetCredit to resolve the discrepancies and misinformation in my account. They responded, " Thank you for contacting NetCredit. 
In response to your recent email, it is very important that we speak to you. Please call the Collections Team for further assistance with questions regarding your account. While I have noted your account, collection procedures will continue until an acceptable payment arrangement has been made ''.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Good Evening My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the involved companies. I feel my rights as a consumer are being violated. I am the victim here, and I can not get proper assistance or responses from the credit reporting agencies. If no action is taken, I will pursue legal action. 

Regards, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-31
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Financial Systems, Inc. (MS)

i sent them a letter disputing the validity of the alleged debts on XXXX by XXXX certified mail XXXX XXXX XXXX XXXX 1989. I never received my documents per XXXX XXXX XXXX and XXXX XXXX XXXX, which is a violation of the FDCPA. 

12 cfr 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt.