davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I 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 3rd party. They in fact did not come from a 3rd 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 2024-07-26
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)

This is my FOURTH NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXX XXXX
Consumer complaint received 2024-09-25
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. (AL)

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 XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX 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 2024-07-08
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-07-08
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)

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 2024-07-08
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. (OK)

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 3rd party. They in fact did not come from a 3rd 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

What happened? 

I, XXXX XXXX, am disputing charges by Columbia Debt Recovery XXXX, XXXX XXXX, regarding a previous rental at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Details : Move-out Date : XX/XX/XXXX Date Debt Placed for Collection : XX/XX/XXXX Debt Amount : {$1600.00} Upon moving out, I was informed by the property management that the apartment only required carpet cleaning. I provided a video of the apartments condition, confirming it was left in good order. 

Disputed Charges : Carpet Replacement Fee : {$1100.00} Cleaning Fee : {$250.00} Painting Fee : {$310.00} Damages : {$250.00} XXXX dispute these charges as excessive and unjustified. The apartment required only standard cleaning, not the extensive repairs claimed. 

Communication with Columbia Debt Recovery XXXX : Initial Communication : XX/XX/XXXX - Received notice of debt collection. 
Dispute Filed : XX/XX/XXXX - Requested validation of the debt. 
Response : XX/XX/XXXX - Received a XXXX with a summary of charges but no supporting documentation such as invoices or receipts. 

Unfair Practices : Columbia Debt Recovery XXXX has a history of negative reviews and consumer complaints citing similar issues of abusive practices and unjustified charges. The company has failed to provide adequate documentation validating the debt, violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g ( b ). 

Requested Action : I request an investigation into Columbia Debt Recovery LLCs practices and a requirement for them to provide proper documentation for the disputed charges. Until then, I request a cease of all collection activities.
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I went over my credit report ( XX/XX/year> ) and noticed inaccurate information reporting on my credit. My credit report is reporting I was late for an car loan account which I was never late for. I reached out to the creditor as well as the credit bureaus and requested material evidence supporting that I was ever late for this account. I asked for proof via statements, late payment warnings, anything that can validate this inaccurate information reporting on my credit report which nothing has been supplied by neither creditor or credit bureaus. I really feel as though the credit bureaus are neglecting their responsibilities under the FRCA as far as investigating and substantiating the errors and the consumers are suffering as a result.
Consumer complaint received 2024-07-02
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: Experian Information Solutions Inc. (TX)

I am writing to file a complaint against XXXX ( CRA ) for failing to remove an unauthorized inquiry from my credit report. 

Details : Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize RXXXX XXXX to access my credit report, and the inquiry is inaccurately listed. Despite my disputes, XXXX has refused to remove the inquiry. 

I have attempted to dispute this through XXXX portal. There was no thorough investigation invest it was closed within an hour or two of me submitting my dispute. 

The following laws and regulations support the deletion of a disputed inquiry : 1. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( Dispute Process ) : Requires credit reporting agencies ( CRAs ) to investigate disputes and delete inaccurate or incomplete information.

- Section 605 ( Requirements Relating to Information contained in Consumer Reports ) : Requires CRAs to ensure the accuracy and completeness of information in consumer reports.

2. Regulation V ( 12 CFR Part 1022 ) : - Section 1022.43 ( Dispute Process ) : Implements the FCRA 's dispute process requirements.

3. Consumer Financial Protection Bureau ( CFPB ) Guidance : - CFPB Bulletin 2013-09 ( Disputed Information on Consumer Reports ) : Clarifies that CRAs must investigate disputes and delete inaccurate information.

4. Federal Trade Commission ( FTC ) Guidance : - FTC Commentary on the FCRA ( 16 CFR Part 600 ) : Provides guidance on the FCRA 's requirements, including the dispute process. 

These laws and regulations require credit reporting agencies to investigate disputes and delete inaccurate or unauthorized inquiries. 

I request your assistance in resolving this issue and removing the unauthorized inquiry from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

I stopped using the service and had it disconnected. The company was trying to charge me for time that I was not using the service. The service has not been used since XXXX XXXX XXXX XXXX XXXX. Subsequently, I questioned the bill about me paying for the months that the service was not in use. XXXX XXXX XXXX  never answered the question or proved that I owed the entirety of the bill. I moved from the residence and I requested that my bill be adjusted for the return of the equipment, however the collection agency Credence Resource Management never answered my question about the equipment returned. However, I paid the bill and the Collection action is still on my credit report. In closing, my agreement was with XXXX XXXX XXXX and not the collection agency.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

fraudulent accounts on credit report was told that items were removed $ XXXXXXXX XXXX {$23000.00}, XXXX XXXX {$60000.00} AND XXXX XXXX  XXXX. Please block or remove accounts.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (NY)

I am a Victim of Identity Theft and I would Like to Notified all Three ( 3 ) Of the Credit Reporting agencies to Delete all Unauthorized account on my Credit Report Immediately.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-09-04
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

The bank must not supply information to a credit reporting agency that it knows is inaccurate. In this case, the bank is reporting a debt as charged-off when was settled it or paid it in full. Attached to this complaint will be documents that sustain the bank 15 U.S. Code 1681 605. ( 8 ). violations.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lewis, McDonnell & Associates (DE)

Lewis , McDonnell & Associates XXXX XXXX XXXX XXXX Subject : Notice of Violation of Rights under FDCPA Dear XXXX XXXX XXXX, I am unaware of this debt. I did not have an opportunity to dispute this information. 
Per my records, your agency has violated my federal rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ) According to the FDCPA, debt collectors are required to provide a validation notice to the consumer within five days of the initial communication regarding the collection of any debt. 
This Agency has also violated ( 15 U.S.C 1692e ( 5 ) This company is a Law firm & engaged in misleading representation thereof. This Company has a history of repeated violations If in fact you believe you gave me proper notification, then please send me the certified receipt with my name on it. I request that this account be immediately removed from my credit profile or I will have no choice but to seek remedy for multiple violations including the stress, humiliation and XXXX  & other issues this has caused.
Consumer complaint received 2024-05-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BERKSHIRE HILLS BANCORP, INC ()

On XXXX of XXXX I have sent XXXX Euros from XXXX ( XXXX : XXXX XXXX ) to my brothers Account ( XXXX XXXX XXXX XXXX  ) but my Brother received only {$40.00}, there is at least XXXX Dollars missing. What happened to the exchange rate? 

I already filed this issue via phone call but The Berkshire Bank ( XXXX XXXX ) were not willed to solve this issue in a satisfying manner and the bank dismissed me. 
Since they don't provide information via contact form nor on the phone, I asked my Brother ( owner of bank account ) to communicate it directly with Berkshire Bank to no avail, they dismissed him as well. 
He called me up yesterday and complained that you did not help him out ( whether in Branch nor on the Phone ) nor that you have issued him out a written statement about this ongoing matter. This is ridiculous towards your own client. 

My brother is XXXX XXXX and you are not willed to help him out on this issue, your behavior is hostile to customers and severely discriminating against XXXX  persons. That's no triviality. 
I'm urging my brother to seek for another account at a federal bank after this case is solved completely, because this ( The Berkshire Ban ) public bank should not called themselves a Bank. Ridiculous! Never expected this kind of worse client service.
Consumer complaint received 2024-07-08
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)

This is the second time I've updated this questionable information by sending a letter to the three 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

I AM A VICTIM OF IDENITY THEFT. I AM A XXXX XXXX. MY INFORMATION WAS COMPROMISED BY A DATA BREACH A FEW YEARS BACK AND SOMEHOW THEY GOT AHOLD OF MY INFORMATION WITHOUT MY CONSENT.
Consumer complaint received 2024-07-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

I am not liable for this debt of {$3100.00} with Credence Resources Mana I do not have a contract with Credence Resources Mana. They did not provide me with the original contract as i requested with my wet signature and identification verification.
Consumer complaint received 2024-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management Acct # XXXX This notice is sent to you in response to an entry made in my Credit Report. Please be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the FDCPA, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and a copy of the contractual agreement which legally binds me to pay this debt. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 
Please provide the following : 1. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

2. Please provide me with documentation that indicates that I agreed to pay you this sum of money.

3. What was the original date of delinquency for this account?

4. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

5. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile. In the event of noncompliance, I reserve the right to file charges and complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must notify all Credit Reporting Agencies that the account above is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed. I have sent a copy of this request for validation to the Consumer Finacial Protection Bureau to begin their 30-day investigation process concurrent with your investigation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AL)

Discover Bank, XXXX, XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1100.00} and a status of Open with {$200.00} past due as of XX/XX/year>2024, XXXX is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment of XX/XX/year>2024 and is reporting XXXX late payments with a payment status of 30 days late and a past due amount of $ XXXX is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than XXXX payments past due while showing XXXX late payments in the payment history.I would like this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation.