davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (NC)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-12
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: BARCLAYS BANK DELAWARE (FL)

I did not authorize any of these inquiries and do not know why they are on my report. 
XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I do not have a contract with Portfolio Recovery and do not owe the alleged {$850.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Consumer complaint received 2024-09-04
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 am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately deleted. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. These were both ignored this needs to be removed from my credit report!
These accounts are Repeatedly reporting charge-offs every month!

Every time the account updates my statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL! 

These accounts are not indicating when or if the account has been sold so that is a misrepresentation of the account status as well as not reflecting a XXXX XXXX balance after transferred, sold and paid. 

As well as once the charge-off goes past 180 days, the account is DONE!

You can not have on time payments! You can not add anything else to it. There should be nothing left on that account.

These accounts were charged off on the following date XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XXXX, XXXX for XXXX XXXX XXXX. 
Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of these accounts.
Consumer complaint received 2024-09-04
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (AL)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/year> I am had my direct deposit onto cash app and then I went to transfer {$1400.00} to my new but didnt realize my old XXXXXXXX XXXX XXXX that is not active attached to cash app so it went there. Cash app told me XXXX has to release to funds and XXXX is saying they never got the funds.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

At some point between the year XXXX and XXXX a Capital one credit card was taking out in my name than not too long after an auto loan with Capital one. At the time of the credit card and auto loan Purchase I was dealing with XXXX the XXXX  of a love one all of this while XXXX  I came a few months ago to a shot credit score and have been very upset since l 've contacted everyone from I could from all 3 credit bureaus to Debt collector asking them to remove the Negative items on my credit report that I had no knowledge of unfortunately nothing has been been done.
Consumer complaint received 2024-08-26
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. (LA)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX Account Number XXXX Heres a letter based on the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Subject : Dispute of Debt under 15 U.S.C. 1692g Dear Midland Credit Management I am writing to dispute the debt associated with account number [ Account Number ], as permitted under 15 U.S.C. 1692 of the Fair Debt Collection Practices Act ( FDCPA ). I request validation of this debt, including evidence that I owe the amount. If this debt can not be validated, I request that it be removed from my credit report.

Please respond to this request within 30 days, as required by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (TX)

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.

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 seven 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 2024-10-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (WA)

On XX/XX/year>, I received a letter from AllianceOne showing I owed {$1100.00} from XXXX but I didn't owe them. Someone stole my identity. Please help and let me know what to do. Thank you very much.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts 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 my 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/updated.

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.

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!
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

They have called me over and over, over the course of the past couple years. I have given them all the information I can and I have told them to stop contacting me and they still continue to call me. The last call I received from them was XX/XX/year> at XXXX XXXX.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
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 (CA)

I moved out of XXXX XXXX on XX/XX/year>, and returned the keys on that same day. The individual who received the keys did not report this until the following day. Prior to my move-out, I had been diligent in paying all my bills on time, and my final balance was confirmed to be {$0.00}. 

On XX/XX/year>, I received an email stating that I owed {$230.00}. On XX/XX/year>, I contacted XXXX XXXX to dispute this charge, emphasizing that I had paid my utilities consistently. I was informed that an investigation would take place. 

Despite my follow-up email on XX/XX/year>, I received no response. Subsequently, on XX/XX/year>, I was contacted by a collection agency, Columbia Debt Recovery LLC, regarding this alleged debt. 

On the same day, I reached out again to XXXX XXXX ( under XXXX Receivables ) to clarify that I had not received any updates regarding the disputed bill. The following day, I received a reply stating that they were no longer managing my account. I responded, reminding them that they were responsible for my account in XXXX and highlighting the lack of response to my dispute. 

Since then, I have not received any further communication from XXXX XXXX or XXXX XXXX.
Consumer complaint received 2024-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fairway Independent Mortgage Corporation (GA)

All of the selections I selected have nothing to do with my mortgage even though I am over 30 days I just started a job and will pay my XXXX mortgage on XX/XX/XXXX when I get paid, and my XXXX mortgage will be paid on the XXXX when I receive my social security check. I will be current now that I have a job. 

My issue is today XX/XX/year>, starting at XXXX XXXX  I received a call ( XXXX ) from a mortgage company telling me they want to discuss a mortgage with me I told them I am not looking for a mortgage and where did they get this information, and he said Fairway Independent Mortgage sent them my information. 

XXXX XXXX, I received another call from a mortgage company ( XXXX ) about providing me with a mortgage. 

XXXX am I received another call from a mortgage company ( XXXX ) about providing me with a mortgage. 

Three calls within 1.5 hours telling me Fairway gave them my info. This is harassment. 
I have attached a copy of my phone log showing these calls. 

Why is Fairway providing other mortgage companies with my personal information? Advising these mortgage companies that I am looking for a mortgage when I am not. I feel these actions are an invasion of my privacy. 

This is the second time that Fairway has exhibited harassing behavior. These are poor business practices.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

I havent received my direct deposit from social security {$930.00} my account still have a ballance {$0.00} and I spoke with social security today and my direct deposit should've came in my account today XX/XX/year> and nothing is in my SoFi account i need help with this please and i confirm with social security my account number and routing number is correct on their system please help me with this problem SoFI Bank has not released my funds yet
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/year>2024 -Registered email online to receive XXXX bonus XX/XX/year>2024 - opened account XXXX/XXXX/2024 - enroll online banking XX/XX/year> - received direct deposit Terms followed 1. Register email 2.enroll online banking 3. direct deposit completed in 90 days
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I recently checked my credit report and found inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2024-10-09
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (OH)

Dear XXXX XXXX, Our reference : XXXX XXXX Original Creditor : XXXX Original Account : XXXX Current Creditor : Credit Corp Solutions , Inc. 
Balance Outstanding : {$2400.00} As discussed, please find the attached document. 

I can be reached directly at ( XXXX ) XXXX or toll free at : XXXX. Our opening hours are XXXX MST Monday-Thursday, and XXXX MST Friday. 

Did you know, you can manage your account online anywhere, anytime. Simply log in to your account at https : //creditcorponline.com/selfservice # /login using your reference number XXXX. 

The online portal allows you to see available offers, make a payment or chat with us online. 


Yours faithfully, XXXX XXXX
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.