davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (LA)

CFPB Complaint : Debt Collection Abuses I. Introduction I am filing a complaint against [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ) and potentially violating Louisiana state law.

II. Alleged Violations The collection agency has engaged in the following unfair and deceptive debt collection practices : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) I did not receive a written notice containing the amount of the debt, the name of the creditor, and a statement of my right to dispute the debt within 30 days.

Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) The collection agency placed the debt on my credit report without giving me a chance to dispute its validity.

False and Misleading Representation ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) ) The collection agency reported the debt to a credit bureau without providing all the required disclosures by law.

Potential State Law Violation ( Louisiana RS:47.1676 ) There is a possibility that the collection agency is not licensed to collect debts in Louisiana.

These practices have damaged my credit report and caused me undue stress.

III. Requested Relief I request that the CFPB take the following actions : Instruct the collection agency to remove the disputed debt from my credit report.

Direct the collection agency to cease all communication regarding this debt. 
Ensure the collection agency provides me with proper validation information for the debt. 
Investigate whether the collection agency is licensed to operate in Louisiana. 
IV. Supporting Documentation ( Attachments ) File XXXX XXXX  XXXX XXXX XXXX Conclusion The collection agency 's actions have been a violation of my rights under federal and potentially state law. I urge the CFPB to investigate this matter and take appropriate action. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX ] XXXX Please note : Proof of Address and ID
Consumer complaint received 2024-07-12
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)

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 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a master card account. I am the primary holder with my wife also on the account. Our cards quit working. Called to find our what happened. Told our account was closed be cause my wife did not respond to request to update her info. We have been Master card holders for nearly 40 years, Never a late payment, paid in full each month have a cred limit of $ XXXX. We get letters, email weekly to update account info on various account most of these are scams. My wife 's info has not changed in the 57 years we are married. They simply want more personal info to sell their data bases. We refuse to provide any additional info! I have had may occasion where a card quit working and found it was suspended for suspicious activity.When I call card is reinstated or a new one is issued. Why is his different? Since my account is closed it is with Bank of America CC # XXXX
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (TX)

Received notification thru XXXX XXXX that CCS collections was trying to collect an alleged debt of $ XXXX also stated that CCS is the original creditor. I state my demand for proof of this debt specifically the alleged contract or other instruments bearing my signature as well as the proof of your authority in this matter.Absent such proof you must terminate this collection and correct erroneous reports of this debt as mine.For the record I have no account with CCS collections nor am I your customer nor have I entered into a contract with you.. U.S.Code 6802 obligations with respect to disclosures of non public information in good faith to resolve this matter amicably. I must ask for the following information please evidence your authorization under 15 U.S.Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter? What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt?
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have never signed or agreed to do business with the company know as Credit collection services I requested debt validation which is required as per article 15 usc 1692g which I never received any response. I am requesting that due the fact of them not being able to validate this debt I am requesting it to be immediately removed from my credit
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (FL)

In XXXX i requested my items be removed and updated. Ive never received paperwork. Now im forced to file a complaint. Attached is the letters i sent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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 respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-08-02
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-02
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 have fraudulent addresses on my credit report : A ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX The one and ONLY correct address for me is XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Please see my documents in the attachments. Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX XXXX
Consumer complaint received 2024-09-27
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. (DC)

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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-02
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX  Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-12
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)

I recently reviewed an updated copy of my credit report and noticed that some of my credit references are not included, despite being reported and verified. I am requesting a re-investigation of these accounts as they are missing from my report. Enclosed is a letter from the merchant confirming the reporting of these accounts. Under the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I formally request that you re-investigate and remove the following accounts : Additionally, I request the name and address of the individuals or entities contacted during this re-investigation process. According to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the accounts have been updated. Once the updates are complete, kindly forward an updated copy of my credit report to the address listed above. Kindly help me correct the following items immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (MI)

I was a victim of identity theft through data breaches numerous times. There is a charge off showing on my account that isnt mine. I Contacted company for 1099-C as verification. Company refused. This is not my debt.
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: Experian Information Solutions Inc. (MO)

On my credit report there is an account called XXXX XXXX  and I never had any accounts with XXXX XXXX  or applied for any credit products from them. 

So, because of this I had to file an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX from my credit report immediately. A failure to do so will result in me taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX  from my credit report immediately.
Consumer complaint received 2024-08-02
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. (WI)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
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. (PA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-30
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  breach XXXX have got into the hands of the wrong person XXXX XXXX Code XXXX XXXX Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The XXXX makes the XXXX findings : ( XXXX ) 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 ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from may credit repair as soon an possible thank you