davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (FL)

Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX Acct : XXXX Balance : {$280.00} I'm writing to formally contest a debt that your organization says I should be paying. I don't know of any debt you represent being owed to Credit Collection Service or any other original creditor. Moreover, I was not notified in advance of this debt and was not given the chance to contest the information within the legally mandated time period.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Specifically, I request the following information : In compliance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking you to furnish appropriate proof of this debt. I specifically ask for the following data : Verification of Ownership : Proof, including any relevant assignments or transfers of the debt, that Credit Collection Service is legally entitled to collect this debt.

Proof of Notification : If you think you gave me the right notice, kindly provide me a certified copy of the receipt that bears my signature attesting to the fact that I received it. 

Furthermore, my credit report is being severely impacted by this disputed amount, which has been notified to credit bureaus. I demand that this debt be deleted from my credit report until you can produce the necessary evidence. It is illegal to report information that can not be independently verified or corroborated, as per the Fair Credit Reporting Act ( FCRA ). 

I shall regard this debt as void until you can produce the needed paperwork. Please be aware that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will receive additional complaints if you do not satisfactorily respond to this request. 

I anticipate a timely, in-depth inquiry into this issue as well as a written reply. You can reach me by mail at the aforementioned address
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX  XXXX XXXX {$120.00} Credit limit {$300.00} Open Date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

I had a Wellsfargo credit card back from XX/XX/2013, it has been charged off and closed. It has been over 7 years since this credit was open. I do not owe this money anymore. Please assist with this issue.
Consumer complaint received 2024-07-31
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. (TX)

In accordance with the fair credit reporting act the list of accounts below had violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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  15 U.S.C 1681 Section 602 states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer can not furnish a account without my instructions 15U.S.C 1681c.a5 Section states no consumer reporting agency may make any consumer report containing any of the following information other than records of convictions of crimes which antedates the report more than seven years.

15U.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 2024-05-30
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Sir/Madam, I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 
Account Information : XXXX XXXX XXXX  Creditor Name : EQUIFAX, XXXX, XXXX Account Number : XXXX Date : XX/XX/2023 Amount : XXXX I have previously submitted a dispute to your agency, providing documentation supporting the inaccuracies in the above-referenced account and requesting its removal from my credit report. Despite your reinvestigation, the inaccurate account remains on my credit report, which is a direct violation of the Fair Credit Reporting Act. 
As per 15 U.S. Code 1681i ( 5 ), if the reinvestigation does not resolve the dispute, the credit bureau must delete the disputed information within five business days of completing the reinvestigation. The failure to adhere to this provision is unacceptable and has caused me financial harm and distress.

I am requesting an immediate correction to this violation, and that the inaccurate account information be promptly removed from my credit report in compliance with the law. Please provide me with written confirmation of the deletion of the disputed account and actions taken to rectify this violation.

I expect a prompt response within the required timeframe as mandated by law. Failure to comply with the Fair Credit Reporting Act may result in further action being taken.

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of the inaccurate account information from my credit report.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of EnforcementConsumer Financial Protection Bureau1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX ProCollect has violated my rights. 
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 an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not XXXX XXXX XXXX is " XXXX ''. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I noticed that XXXX XXXX XXXX entered account # XXXX on all three credit report. I have never contracted with or borrowed any money from this company. 
I requested that the provide me with any copy of a purchase agreement contract and a contract bearing my signature since i have never done any business with them. 

After months of waiting they failed to provide me with any of the requested information, i further asked them to remove the item from my credit report and they have ignored all of my request and continue to cause harm and financial damage to me.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-08-24
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. (FL)

I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are 13 unauthorized accounts and 12 inquiries that were placed on my report without my knowledge or consent. 

FRAUDULENT INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I have disputed the items many times from Lvnv funding Llc trying to collect I debt not owed by me as well as portfolio recovery XXXX to furnish the original documents I which I allegedly signed a contract with that company for credit or a line of credit or anything of that nature and they have not responded with any such document because there is none. I have had both items previously removed from my report to have them come back and ruin my credit after being off my report for XXXX to XXXX XXXX. They are reporting fraudulent accounts and I would like to find out if I can sue them as well as the reporting agencies that report this foolishness
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: STERLING JEWELERS, INC. (NJ)

Made original purchase on account on or about XX/XX/2019, returned one item on or about XX/XX/2019, made all required minimum payments on time. The original purchase mentioned above was made as an one year interest free promotion, I have so far followed all terms imposed by the creditor. On or about, the statement of XX/XX/2019, the credit card company transferred approximately {$840.00} as a regular purchase. Additionally, was billed a finance charge of {$21.00} which was not supposed to have happened. 

Retail establishment is Jared Jewelers, cardholder management maintained by XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc (OH)

My husband and I are being harassed by Tate & Kirlin Associate 's, Inc,  in the amount of {$180.00}. 

The address listed for them is XXXX XXXX XXXX, XXXX XXXX, XXXX PA, XXXX. 

The original creditor is XXXX XXXX XXXX and lists a current creditor of XXXX XXXX. 

This bill was discharged in a bankruptcy in the 1990 's. XXXX XXXX is no longer in business, the new company 's name is XXXX XXXX XXXX. 

I sent a certified letter to Tate & Kirlin, attention of the President of the Legal Department disputing the debt. The certified notice was signed for. 

I explained the situation in detail and requested the original contract verification, dates and payment history. I followed up and they refused to discuss it and refused to put me in direct contact with the President of the company. 

I then sent a certified letter to XXXX XXXX  XXXXXXXX XXXX  Corporate Office, XXXX XXXX XXXX XXXX, XXXX IN, XXXX, attention President of the Legal Department which was also signed for. 

I explained the same thing in detail and requested the same information. I followed up and again, they would not discuss the debt and refused to put me in direct contact with the President. 

The debt is submitted on our Credit Reports every single month. My husband 's Credit Report states paid in full and also states as an outstanding bill. 

My Credit Report states as outstanding and does not state paid in full. I also disputed this debt with all Credit Reporting Agencies, to no avail. We do not owe this debt. No one will help us.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX 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 in those account 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 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 2024-05-29
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. (MA)

I am writing to formally dispute several unauthorized inquiries that currently appear on my credit report. In accordance with Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries as they were made without my authorization and constitute a serious violation of my privacy rights. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. Therefore, I am requesting that you validate these inquiries with the companies mentioned above and provide copies of any documentation associated with these inquiries that bears my signature authorizing such actions. 

In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I expect a response confirming the actions taken and the results of your investigation. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving these issues.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (AL)

My card keeps being denied even though there is money in my account. It is nearly impossible to speak to a live person. I lucked up and found a web site that give instructions to beat the automated loop and get to an operator. Took 3 hours but I finally got someone, 1 hour on the phone with them reading scripts and putting me on hold only to end up saying they did not have an answer for me. Ask for supervisor, stayed on hold 2 hours until my phone went dead. I have no way to access the money in my account because the card is denied every time I try to use it. Even if I try to pay online by typing in the numbers. This is my child support and I have bills to pay. The state forces us to get the CS this way yet we have no way to access our money. CRAZY!
Consumer complaint received 2024-07-11
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.