davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Account Number : XX/XX/2023 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX XXXX for my Self account. 
I want you to know that I understand my financial obligations, and if it werent for me being sick in the hospital from XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive regained my strength and my health is better than ever. Ive been working full time and have gotten back financially steady. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on my self credit account Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to address a critical issue regarding a credit inquiry that appears on my credit report. While the inquiry is showing on my report, which implies proof of an approved account, I was denied access to my credit account I applied for. This situation is contradictory and suggests a violation of my rights under the Consumer Protection Act and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which stipulates that inquiries should only be made when credit is approved.

The ongoing reporting of this inquiry not only negatively impacts my credit score but also indicates the continued use of my security interest without proper justification. Since you have denied me access to credit, I expect the immediate return of my security interest and the removal of the inquiry from my credit report.

If I do not receive a satisfactory response or if the inquiry is not removed within 30 days, I will pursue legal action to protect my rights under the FCRA and the Consumer Protection Act.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

CREDIT SYSTEMS INTL IN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : XXXX Amount Claimed : {$810.00} To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt. 

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt. 
Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
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 received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-09-25
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. (IN)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-10-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I attempted to contact greystar to figure out who owns my debt- the property or the collector. After waiting in the line for 30 minutes as well as leaving a voicemail with XXXX XXXX which went unanswered I was able to speak with a woman on XX/XX/year> who told me that the debt is now in the collectors hands and any communication about it must be with them, and she cant tell me anything about the debt or help me at all. When I spoke to XXXX from Columbia Debt Recovery on XX/XX/year>, she refused to answer whether or not they own my debt, and whether it is legal or appropriate to charge me interest. She repeatedly stated its only a small amount to imply that I should just pay it regardless. The company is withholding information so that I cant help myself remove myself from this debt.
Consumer complaint received 2024-10-11
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: DISCOVER BANK (TX)

I sent a payment to Discover via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that Discover did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (PA)

XXXXMILSTNE & CB INDIGO is a credit company that works together they each approved me for a credit card gave me the credit card shipped it out to me then took it away before I can use it. I paid {$75.00} for each card. They then canceled it on me because they said they can not confirm my identity after i have already got the card. Now i have two credit cards attached to my account that say they are closed 3 different ways -Account closed by consumer -Credit line closed - consumer request - reported by subscriber. 

-Account closed at consumer 's request Closed or paid account/zero balance I did not close it they closed it on me. This has made my credit drop and impacted me negatively.. They told me they would take it off my credit completely. I keep reaching out and getting no help. 

open dates for all 3 credit accounts are XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-11
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: Resurgent Capital Services L.P. (TN)

Hello. I am currently enrolled with National debt relief since XX/XX/year> and they have settled this account with creditor ( XXXX XXXX XXXX ) whom is the owner of this debt per XXXX XXXX XXXX XXXX XXXX. On my XXXX report it is reporting LVNV FUNDING as the debt buyer of the XXXX  XXXX account with original balance of {$6600.00}. This balance is lower being it was a settlement offered by XXXX XXXX for half this amount and is currently being paid on a monthly basis. LVNV Funding is saying they are the debt buyer by placing this on my credit report but XXXX XXXX XXXX is saying they are the debt buyer and is collecting on this debt and that is who my debt relief company is working with in paying on a settlement with them. This is shady practices and I fear being this debt was originally XXXX XXXX and sold to XXXX XXXX XXXX. The debt is settled and being paid to credit control and then once settlement is paid, LVNV FUNDING BEING THEY MAY BE USING XXXX XXXX, which is UNDER A DIFFERENT NAME will try to recollect entire balance again. This is shady practices LVNV FUNDING ALLEGEDLY MAY BE DOING.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Ive asked the bureaus perform a thorough investigation of the disputes with collections agencies and credit companies. The bureaus wont accurately send me information stating how they completed the investigation and the same results was administered to me without being corrected on my report.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/year> I filed a complaint with the CFPB against XXXX, XXXX and XXXX, due to fraudulent accounts listed on my consumer report. I was notified that the accounts in question were verified as accurate by the alleged creditor, however nothing I requested disputing these alleged accounts was returned to me. I requested that validation and proof of claim of the disputed debt was requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) 15 USC 1601 et seq. I specifically stated that this is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I have yet to receive such request and the information has not been blocked from my report and is still fraudulently reporting, damaging my reputation greatly. Amid submitting this complaint, I also submitted a copy of my FTC report as well. Delete these fraudulent accounts.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

This " company '' Caine and Weiner is trying to collect a XXXX debt for progressive insurance. I have never in a hundred years had an insurance policy that was XXXX dollars. I have tried for years to actually speak to someone at this company but only get voice mail. I have repeatedly asked this company to send me something, anything to show why they think I owe them money and they have never responded. I am at my wits end. I have disputed this and they just play games and say it is legitimate without providing any proof. They literally have not sent me any documents or proof that I owe them money and they absolutely refuse to return my calls. This has been going on for several years now.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (PA)

XXXX/MILSTNE & CB INDIGO is a credit company that works together they each approved me for a credit card gave me the credit card shipped it out to me then took it away before I can use it. I paid {$75.00} for each card. They then canceled it on me because they said they can not confirm my identity after i have already got the card. Now i have two credit cards attached to my account that say they are closed 3 different ways -Account closed by consumer -Credit line closed - consumer request - reported by subscriber. 

-Account closed at consumer 's request Closed or paid account/zero balance I did not close it they closed it on me. This has made my credit drop and impacted me negatively.. They told me they would take it off my credit completely. I keep reaching out and getting no help. 

open dates for all 3 credit accounts are XX/XX/year> XX/XX/year> XX/XX/year> Closed dates are XX/XX/year> XX/XX/year> XX/XX/year>
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

I was charged XXXX dollars a phone call to them when trying to solve my late payment and was add on as late fee to my loan they foreclosed on me costing me XXXX dollars I had made up to XXXX phone calls to them at that cost after we made a deal thought my attorney I had to pay 3payments on time sent thought the mail that had to sign for the money order all paper work was given to my attorney and they tryed to said I don't make that last payment after they had to sign for the letter with money order hhad to send a payment to stop them from forcloseing on my home if would not charge me XXXX phone call and worked with me never would have cost me XXXX dollars more
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

VALIDATION AND CEASE AND DESIST NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear NCB Management Services : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

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

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

4. Proof that the original creditor securitized the debt.

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

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

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

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

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

To Clarity Services : I have sent a certified letter informing you that the information you have on my credit file is inaccurate ; I have yet to get a response and I have disputed this information back on XX/XX/XXXX, it is now XX/XX/XXXX and you have not updated my file. 
Reference # XXXX Home Address : The only address for me is XXXX XXXX XXXX, XXXX XXXX AR XXXX and XXXX XXXX XXXX # XXXX XXXX XXXX AR XXXX. 
Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( Never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there- that is a business address Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my XXXX XXXX ) Please delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX Ar XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX AR XXXX, ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ( not mine ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX A XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( not my address ) Cell Phone & Home & Work Phone Numbers : Please delete XXXX, XXXX, XXXX ( not my numbers ) Please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..Not my work numbers Personal Name : ( Personal Information ) My name is XXXX XXXX . 
Please delete XXXX XXXX XXXX Date Of Birth : ( Personal Information ) My date of birth is XX/XX/XXXX Please delete XX/XX/XXXX, and XX/XX/XXXX those are not my XXXX. 

XXXX License Number and State : Please delete XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( those are not my license numbers ) Email Addresses : My email is XXXX & XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Employment Information : Please delete the following because I've never worked for any of them : Please delete XXXX XXXX XXXX ( never worked there ) Please delete XXXX XXXX XXXX XXXX ( Never worked there ) Please delete XXXX XXXX  ( Never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete Retirement/Pension ( never worked there ) XXXX XXXX XXXX XXXX ( never worked there ) XXXX XXXX XXXX ( never worked there ) Banking Information : Please Delete The Following XXXX XXXX XXXX, Acct XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX, XXXX XXXXXXXX XXXX ,  not my account Routing XXXX, Acct XXXX, XXXX XXXX , not my account Routing XXXX, Acct XXXX XXXX XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX, XXXX XXXX , not my account