davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-04
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 someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-08-30
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: Eastern Account Systems of Connecticut, Inc. (CT)

Paid eastern account system XX/XX/XXXX. They refused to update credit report saying there company policy is not to update information after collection is posted. Per XXXX different representative I spoke with. Filled dispute with XXXX XXXX XXXXXXXX. To correct balance to XXXX XXXX XXXX corrected report. XXXX keeps finding balance of XXXX $ correct.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (AR)

Im writing because this company refused to give cardholders their money back after theyve been scammed. They offer NO SECURITY LIKE OTHER BANKS DO. If youre a XXXX? Keep your bank. Pay extra for the moving of your funds. I was scammed by an apartment complex for {$200.00} based on false advertisement and predatory practices to rope in new tenants as a scam. This apartment complex refused to give me my money back after being called XXXX XXXX. And XXXX XXXX refuses to refund it as well. Although I offered to give them proof of the scam. Beware to NEVER USE XXXX XXXX! And if youre a XXXX? They have a class action lawsuit. Its actually disheartening that we must come to this. That we must actually go to these lengths to get our money. It makes you wonder how a company like XXXX continues to stay in business. It makes you feel as if they dont care about their drivers and their financial security.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

I am lifting the Cease and Desist order. Provide me the all documentation on this alleged account including the Sale Assignment ( how to submit it to me is in the letter attachment ). Mary Jane M Elliot is collecting on behalf of XXXX XXXX for an account I have no knowledge of. I have never had an XXXX account at XXXX XXXX XXXX, XXXX MI XXXX not even in XXXX as they representative XXXX XXXX stated. They stated the account was open in XXXX and charged off in XXXX which is impossible because my account was not in use at that time. I contacted XXXX they has never had an account for me with that address nor is there a past due old balance. I was not living on XXXX in XXXX its impossible for that to be my account provide me with strict proof. Check Attachment. Failure to provide it within 10 days will lead me to filing a police report and FTC report on Mary Jane employees who are involved in this account along with XXXX XXXX.
Consumer complaint received 2019-11-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc. (FL)

XX/XX/2019- I called to try and get my account number and pin to access their website to pay my debt. I called back and another woman got on the phone asked if I was paying in full I advise no and she hung up. This is rude and unprofessional and abusive behavior. This company should definitely be investigated. There may be other victims. I've now started having medicals issues because of the conduct of this company. Please pull the phone calls.
Consumer complaint received 2024-07-15
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 am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts/Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (GA)

Dear Southwest Credit Systems, I am writing to formally dispute the validity of the debt you are currently attempting to collect, associated with the account [ Account Number ]. I demand proper validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

1. Proof of Debt Ownership : I request conclusive evidence establishing Southwest Credit Systems legal ownership of this debt, including the original contract between myself and the original creditor, not a mere copy. Please provide documentation demonstrating your right to collect on this alleged debt.

2. Consent for Third-Party Disclosure : I have not authorized the original creditor to sell or disclose my personal information to third parties. Clarify the legal basis upon which Southwest Credit Systems obtained this information when acquiring the debt. 
3. Compliance with Georgia State Laws : Furnish documentation proving Southwest Credit Systems legal authority to collect debts in the state of Georgia. Include references to relevant state and federal laws that authorize and regulate such collection activities. 
4. Full Accounting Ledger : Provide a comprehensive accounting ledger illustrating the total amount claimed, delineated by principal, interest, and any legitimate fees. Include details of any payments made on the account.

5. Detailed Payment History : Supply a detailed payment history, specifying the application of payments and any charges incurred. This information is essential for a thorough examination of the alleged debt.

6. Alleged Collections Fees : Challenge the legality of the {$500.00} collections fees purportedly added to the debt. Clarify the basis for these charges and provide documentation supporting their imposition.

Furthermore, I assert my rights under the FDCPA to request that Southwest Credit Systems validate this debt within 30 days from the receipt of this letter. Failure to comply will result in legal action. 

I also demand the immediate removal of this debt from my credit report and an immediate cessation of all debt collection attempts. I want to emphasize that pursuing a remedy through the courts can be a lengthy and expensive process for both parties. It is in our mutual interest to resolve this matter amicably and promptly. 

This correspondence serves as an official notice of my dispute, request for validation, and demand for removal under the FDCPA. I expect your prompt and diligent attention to this matter.
Consumer complaint received 2023-12-28
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. (TX)

Identity money laundering forgery XXXX XXXX XXXX XXXX state to state loans of all sorts contact Texas FBI XXXX division and XXXX XXXX police department XXXX XXXX sheriff 's office look for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx and other people as well.
Consumer complaint received 2024-07-04
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. (CA)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within XXXX days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2024-07-04
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. (FL)

I sent disputes to the credit bureaus concerning fraudulent information reporting on my consumer report but they have not corrected it. 

I am writing to formally dispute several accounts that appear on my credit report, which I believe contain inaccuracies and violations of federal laws. The accounts in question are detailed below : 1. XXXX XXXX XXXX Account Number : Not Available 2. XXXX XXXX Account Number : Not Available 3. XXXX XXXX XXXX Account Number : Not Available I am disputing these accounts based on the following grounds, as supported by provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are not reporting 100 % accurate information. They contain errors and discrepancies that misrepresent my credit history. 
2. These accounts were erroneously reported as a result of the XXXX data breach, which constitutes a direct violation of the FCRA. The reporting of these accounts is inaccurate and should be corrected accordingly. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ), these accounts do not meet the criteria for inclusion in a consumer credit report. Any credit transactions supposed to be excluded from a consumer credit report, particularly those involving the unauthorized use of my Social Security number, should not be reported.
Consumer complaint received 2024-07-04
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)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc. (GA)

American First finance for the amount of {$890.00} is not my account. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

At the beginning of XX/XX/2023 I had XXXX payments ( {$600.00} each ) taken out of my checking account from XXXX. They weren't getting back with me so I filed a complaint with the CFPB and they then sent me a check, but it was for {$520.00}, not {$600.00}. 
I contacted them and they said that they will correct the issue, but I haven't heard back from them since. 
This is really inconvenient and insulting. 
I need my {$76.00} back from them. 
Thank you, XXXX XXXX
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Tried to use the card and it gets declined. Called Amex over the issue and they said just use the card elsewhere, but it doesn't work anywhere. Customer service was unwilling to help. 

XXXX indicates this issue is widespread, Amex is selling broken cards.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX ( Santander Consumer USA XXXX has violated my rights. 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-04
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. (LA)

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 2024-07-04
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-04
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. (IL)

I am writing to file a formal complaint regarding multiple instances of identity theft that have resulted in incorrect addresses appearing on my credit report. These addresses do not belong to me, and I am requesting immediate action to block these addresses and any accounts associated with them. 

The erroneous addresses are as follows : - 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 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 ) Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), credit reporting agencies are required to block the reporting of information that is the result of identity theft within four business days of receiving proof of identity theft. I have provided the necessary documentation to the credit reporting agencies and am requesting the CFPB to enforce this statute to ensure these erroneous addresses and any associated fraudulent accounts are promptly removed from my credit report. 

Supporting Court Cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ** - This case supports the responsibility of credit reporting agencies to maintain accurate credit reports and to promptly correct errors. 
2. **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This case further emphasizes the duty of credit reporting agencies to investigate disputed information and correct inaccuracies. 
3. **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This case highlights the importance of timely response and resolution by credit reporting agencies in cases of identity theft.
Consumer complaint received 2023-12-26
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 am a victim of identity theft, I Sent all 3 credit bureaus the fraud dispute package including the police report and they refused to block the fraudulent information in my credit file. And will not tell me why they want block the fraudulent accounts... I need help
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Was even a American Express gift card for {$200.00} the card is unusable anywhere not XXXX gas stations not XXXX not online anywhere card will not work. American Express offers no support no reasoning no time frame or what the problem even is
Consumer complaint received 2024-07-04
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. (NV)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX