davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-06-10
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. (CA)

Credit Bureaus refuse to investigate or even properly reinvestigate disputed accounts listed in this complaint. 
Furnishers report differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Creditor Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Description of Inaccuracy : XXXX and XXXX is showing account is charged off, Transunion shows account status is a missed payment, the past due amount are not consistent across all XXXX credit bureaus I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My Student loans are paid in full. However, my student loans are as listed at transferred and possible negative on my XXXX or more of my credit reports. Please remove the incorrect information regarding my student loans from my credit reports or correct the information as paid in full. Thank you.
Consumer complaint received 2024-06-11
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This ma
y include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-06-10
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. (MI)

" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I am writing to formally dispute the inclusion of a bankruptcy notation on my credit report. In XXXX, I initiated the process of filing for bankruptcy ; however, I subsequently decided not to proceed with the filing. This decision was confirmed with a letter from the state of Ohio, indicating that the bankruptcy proceedings were not pursued. 

Despite providing this documentation to all credit reporting agencies, I have been informed that the bankruptcy notation will remain on my credit report for XXXX years. This response is deeply troubling and unjust. 

On XX/XX/XXXX, the bankruptcy case was officially dismissed. As such, it should not be treated as a completed bankruptcy, as it never reached fruition. The dismissal should absolve me of any negative implications associated with bankruptcy proceedings. 

The presence of this erroneous bankruptcy notation on my credit report has had severe repercussions on my financial endeavors. I have encountered significant obstacles in obtaining essential services, such as securing a car loan, refinancing my home, and acquiring a business credit card. 

It is unjustifiable to penalize me for a bankruptcy that never materialized, especially when the case was dismissed over several years ago. The continued inclusion of this inaccurate information on my credit report is not only detrimental to my financial well-being but also constitutes a breach of fair credit reporting practices. 

I am hereby formally requesting the immediate removal of the bankruptcy notation from my credit report. I implore you to conduct a thorough review of the documentation provided and take appropriate action to rectify this matter promptly. 

Failure to address this dispute in a timely and satisfactory manner will compel me to seek legal recourse and escalate this issue further. I trust that you will handle this matter with the utmost urgency and professionalism. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the erroneous bankruptcy notation from my credit report.
Consumer complaint received 2024-06-11
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. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-10
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. (VA)

The Names reported below are a violati my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX THIS IS NOT MY NAME AND I HAVE NO KNOWLEDGE OF AND THEY HAVE 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 2024-08-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

Back in XXXX of this year I had cancelled my 5G Home Wifi, and I had returned the modem. I called XXXX to pay the balance due because I could not access the account because the store had registered two accounts under my name and it caused issues with logging in. It created a phantom billing situation where one account had a balance and the other did not. I told the agent I would like the late fees to be taken off because I could not access the account to pay and that I would like to just cancel. He escalated me to a manager and we had gotten rid of the late fees and I paid the balance in full by providing my debit card information and a few days later I sent the modem back to XXXX. I received no further communication, so I assumed the matter had been taken care of. Now in XXXX I got a collections notice on my credit. And I did not receive anything prior to it being put on my credit and XXXX says I owe them XXXX XXXX No one can tell me why, and the collections agency says I can not dispute it with XXXX because it is with them, and they can not change the paid status unless I pay them the XXXX XXXX I want XXXX to fix this, and I want my credit back to the way it was, because I have never had collections on my credit and it dropped XXXX points.
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received a call asking me to pay a couple XXXX dollars for cleaning services about 2-3 months after I moved out of an apartment. I called the apartment to verify this as we had cleared all fees and there was no cleaning fee. I told the debt collection company this and asked to provide proof but I never heard back. Hence, I assumed it was a scam. 

Then, I start receiving calls about 5-6 months later mentioning I owe back rent for the same apartment in the balance of {$290.00}. I thought it was a scam because I left the property early and paid them 2 months extra rent due to my contract. Everything was settled and there is proof of this if we go ask the apartments. I asked this debt collector to send an official letter at home with proof of the debt they mentioned.

I never received the proof, but then I saw two days ago my credit dropped from XXXX to XXXX. 
I was devasted and my wife 's credit score dropped even lower.

The name of the company that I have been reported by is Columbia Debt Recovery.

I have no issue paying this debt if it was legitimate but I honestly thought it was a scam and still do. The apartment never contacted me about this and the debt collector never sent proof. 

The fact they asked for different amounts and different things each time led me to believe they were definitely scammers. 

Just to summarize, I was reported by Columbia Debt Recovery on XX/XX/year>.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

According to the Fair Credit Reporting Act ( XXXX USC XXXX, Section XXXX ), consumer reporting agencies, such as XXXX and XXXX, have a duty to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to protect my private information. This is further supported by XXXX USC XXXX, which mandates that financial institutions must safeguard the privacy and security of customers ' nonpublic personal information. Under XXXX USC XXXX, Section XXXX, a consumer report may only be furnished with the written consent of the consumer. I do not give consent to XXXX, XXXX, or any financial institution to share my information. Any consent previously given is hereby revoked. Additionally, XXXX USC XXXX requires financial institutions to inform consumers of their right to opt-out of having their nonpublic personal information shared. I was not informed of this right. Furthermore, XXXX USC XXXX ( a ) ( 5 ) states that adverse information older than XXXX years can not be reported. Reporting such information without my permission is unlawful. According to XXXX USC XXXX ( A ) ( 1 ) ( A ), no person should furnish inaccurate information to a consumer reporting agency. It is evident that XXXX and XXXX are not following reasonable procedures as required under XXXX USC XXXX to prevent violations and limit the use of consumer reports. Therefore, in accordance with XXXX CFR XXXX, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (UT)

Good morning, I hope this message finds you well. I am writing to seek assistance with an issue I am experiencing concerning a bill from XXXX XXXX that was incorrectly addressed and turned to Express Recovery LLC. 

Due to an error in the address recorded by XXXX XXXX, my bills were sent to the wrong apartment number, which is a violation of HIPAA regulations. As a result, I did not receive any of these bills. Eventually, my account was handed over to a collection agency, Express Recovery LLC. 

Upon discovering this issue, the collection agency was able to locate my correct address and send me a letter. I requested a detailed bill from them, which I received. I reached out to XXXX XXXX to resolve this matter directly and offered to pay the outstanding amount of {$510.00} if they would address the issue of the incorrect address. However, XXXX XXXX informed me that they could no longer assist and advised me to work with the collection agency. 

I contacted the collection agency and expressed my willingness to pay the outstanding balance of {$510.00}, if they remove the {$120.00} collection fee. I believe this fee is unjust as the error was not due to my negligence, but rather an issue with XXXX XXXX record-keeping. The collection agency declined to remove the fee but offered a 10 % discount, which is approximately {$60.00}. 

Given the circumstances, I am requesting your assistance in removing the {$120.00} collection agency fee. I am prepared to settle the outstanding balance of {$510.00} immediately but firmly believe that the additional fee should not be my responsibility due to the initial error. 

Thank you for your attention to this matter. I look forward to your guidance on how to resolve this issue fairly. 

Best regards, XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from Self lender and she asked for XXXX XXXX declined and she was not able to identify me by name.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Williams, Rush & Associates, LLC (GA)

There is a collections company by the name of Williams rush and Associates who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (PA)

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synter Resource Group, LLC. (WI)

This is the XXXX collection notice I received about " XXXX '' I have a business account with XXXX and checked my account as well as through XXXX website putting in account # on invoice and it does not come up. 
Synter Resource Group LLC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX http : XXXX XXXX or XXXX is trying to collect original Creditor : XXXX  Customer Accoount : XXXX file number : XXXX the amount of {$51.00} The mailing address is XXXX XXXX XXXX XXXX XXXX SC XXXX