davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BREMER BANK, NATIONAL ASSOCIATION (MN)

Incorrect debt reporting by Bremer bank on my credit report and banking history. 
In XXXX Bremer Bank accidentally deposited approximately {$2000.00} into my account. I was unaware it was a mistake by Bremer bank and, like any reasonable teenager I, assumed the funds were mine and used them. A few weeks later, Bremer Bank informed me that the deposit was an error on their end and that I was responsible for repaying the amount. They charged me for the full amount plus late fees without offering sufficient time or options to address the issue and quickly sent my account to collections for {$2500.00} Despite this, I paid off the debt in full. Now, XXXX years later, I discovered that Bremer Bank is still inaccurately reporting this debt as unpaid, which is impacting my credit report. This error has resulted in my being declined by multiple financial institutions and has caused significant damage to my credit standing. 

I have attempted to resolve this directly with Bremer Bank, but they claim the debt does show up as taken care of but its unpaid in their system, even though its still affecting my credit. This inaccurate reporting is not only unfair but also misleading and has caused me ongoing financial distress. 

I am requesting the CFPBs intervention to ensure Bremer Bank corrects my credit report and that this erroneous debt record is fully removed. I also believe Bremer Bank should be held accountable for the undue harm this has caused to my financial reputation.
Consumer complaint received 2024-09-04
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. (PA)

I was alarmed this afternoon to see unauthorized inquiries on my credit report, and I cant understand why theyre there. I regularly check my credit report, and this time, I found discrepancies that just didnt make sense. I refreshed my browser to see if it was a glitch, but the inquiries were still there. This issue is very concerning, and I request a thorough review of the documents Ive submitted so I can finally stop worrying about this.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

DEBT VALIDATION LETTER Date XX/XX/year> This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30_days from the date of your receipt. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX
Consumer complaint received 2024-10-13
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: HEARTLAND PAYMENT SYSTEMS INC (TX)

On XX/XX/year>, my bank pulled my credit report, which showed an educational loan in collections with a reported balance of {$12000.00}. The bank also informed me that this debt was only appearing on 2 of the 3 credit bureaus. I disputed the debt with XXXX on XX/XX/XXXX, and on XX/XX/XXXX, they responded that the loan was valid. 
On XX/XX/year>, I contacted my school, XXXX XXXXXXXX XXXX, to inquire about the loan. The representative informed me that she couldnt see any record of the loan going to collections but said she would escalate the issue. On XX/XX/XXXX, I received an email from the school stating that my XXXX XXXX was with Heartland ECSI. 
Later that week, I called ECSI, they requested I update my information, and was told they could not provide any validation of the debt they can only direct me to log into their website using this updated information I provided them, where I found a banner indicating that the loan had been sent to XXXX XXXX for collections. I called ECSI again that week, and they confirmed that the loan must go through XXXX XXXX, and I needed to work with them to resolve it. 
When I contacted XXXX XXXX, they told me they had no account under my name and refused to provide any written confirmation stating that I have no account with them. Despite this, the loan is still appearing on my credit report. 
I also attempted to dispute the debt with XXXX, but when I went to check my account, I couldnt find the loan reported there at all, so I was unable to initiate a dispute with them. 
None of the parties involvedXXXX XXXX, ECSI, or XXXXXXXX XXXXhave provided any proof or validation that this debt is valid or that I am responsible for it. Yet, the loan remains on my credit report, which is negatively affecting my credit score.
Consumer complaint received 2024-09-17
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. (IL)

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 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

The info provided by citi Citibank is incorrect : you indicated you did not received documentation but documentation was sent and was supporting and here it is a detailed of it and also attached to this complaint : Regarding dispute XX/XX/XXXX {$280.00} XXXX ) XX/XX/XXXX email for the car rental indicating to remove the insurance charge of XXXX cause I was told to contact via email that car rental to remove the insurance cause I did not needed cause I had my own insurance. 

XXXX ) XX/XX/XXXX email to the car rental company indicating the vehicle was defective, vehicle didnt start. 

XXXX ) XX/XX/XXXX email to the car rental reporting the vehicle would stop and that it was picked up by the roadside assistance the previous day. 

This is supporting documentation that I reported the issue and that the car rental did not fixed. This info was all sent to your dispute center team and received by them. 

All there evidence and more was sent to Citibank to properly remove the charge.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SOFI TECHNOLOGIES, INC. (NY)

Sofi has held my money illegally. After saying my account was under review because someone who sent me moneys had deposited a fake check in there account ( which has nothing to do with me ) sofi has held my money for weeks now resulting in late fees and emotional distress aswell as debts piling up
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
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)

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 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Consumer complaint received 2024-08-26
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. (AL)

I just recently look at my Experian XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose I also attached evidence. 

1.XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX, Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6XXXX, Inquiry XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

I have numerous accounts thats on my chexsystems report that I did not open nor did I have any inquiries for more than 12 years .I am requesting that the said accounts be blocked and removed XXXX ENDING IN XXXX AND XXXX ENDING IN XXXX WHICH IS charged off also there is 47 inquiries that isn't mines so can we investigate and look at said report .My COMPLAINT ID IS XXXX and my CONSUMER ID is XXXXThank you my chexsystems and XXXX XXXX report is important to the furthering of my career and these accounts should be deleted under 18 U>S>C> 1028.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (MA)

I opened the account on XX/XX/year> by depositing ( XXXX ) XXXX checks for {$940.00} each. I thought I was depositing a replacement check for XXXX and my XXXX check but instead of sending the replacement for the lost XXXX check, Social Security mistakenly sent me a replacement for my XXXX check. I deposited ( XXXX ) XXXX checks ; XXXX good and XXXX with a stop payment order. Bank immediately put a hold on the account and all attempts to explain and resolve were met with silence. Bank finally closed the account on XX/XX/year> saying they will remit the account balance of {$940.00}. They have not sent the funds a whole month later
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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 informationisinaccurate.
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear CREDIT CORP SOLUTIONS , I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ). It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature. 2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 3. Proof of proper reporting : Evidence that you are legally able to collect this debt. Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. Thank you for your attention to this serious issue.
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC claims that I owe this amount of XXXX dollars to them I deny and dispute this. I do not owe them this money and I request to have this taken off my credit report immediately.
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. (CO)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Identify item ( s ) resulting from the identity theft that should be blocked and removed with no reinsertion, or I will file a lawsuit against the creditor, Experian, XXXX and XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have checked online, and my information was XXXX of the XXXX XXXX people whose information was leaked in 2017. Apparently, I missed the settlement date because I didn't know that my information had been misused until now. The people in charge of my credit, my social security number and private information that is the very building blocks of life, let it be stolen and since I didn't find out about it until now, they just don't have to make it up in any way? No money, no assistance, just " too bad you're too late ''??? I would like every single big of information added to my reports since the Equifax breach removed. Immediately. None of it is mine. It is all from this gross negligent breach and it's not fair for me to suffer which I am because of it.
Consumer complaint received 2024-09-21
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: EQUIFAX, INC. (TX)

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (CA)

Despite my repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing significant stress and XXXX. I want to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear CFPB, I am submitting this formal complaint against XXXX, XXXX, and Equifax to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, XXXX, and Equifax ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.