davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (OH)

Got the loan for {$400.00} on XX/XX/year>24. The loan was effective as of XX/XX/scrub>/24. Starting making payments of {$120.00} on XX/XX/year>24. Pushed XXXX or XXXX payments back due to the financial struggle of paying. My balance as of today is {$440.00} even after the payments I did make. How is the balance higher now? How is the balance higher than the loan amount itself? I dont understand and feel as though I am being taken advantage of and this is my money!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (DC)

I am writing to request the placement of a fraud alert on my LexisNexis credit report and credit file. I believe that my personal information may be at risk of identity theft, and I would like to take this precautionary measure to protect my credit and personal information.
Consumer complaint received 2024-09-05
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 attest that I am a victim of trafficking for purposes of Section 605C of the Fair Credit Reporting Act ( FCRA ). I have attached all documentation that has been provided to me regarding this confidential matter. Please follow the FCRA laws and block the attached information on my credit file.
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (FL)

Hello ... My name is XXXX XXXX and the pursuant to 18 usc 8, I owe no debt this company is violating my consumer right to privacy ..pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4. Thank you
Consumer complaint received 2024-09-05
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. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-23
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: BetterNOI, LLC (FL)

My email to Screening Reports on XX/XX/XXXX : To whom it may concern, This is a formal request to re-investigate and correct items on my credit report issued by your agency. These items must be removed in order to show my true credit history.

I make this requested pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, I requested that you re-verify each of the items listed on my previous XX/XX/XXXX dispute letter. 
I have attached my current updated information from my XX/XX/XXXX credit report from XXXX. 
I have also resubmitted my original dispute letter. 
15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. 


Screening Reporting Response on XX/XX/XXXX : Unfortunately, we are unable to change information that is being reported by the credit bureaus. We recommend reaching out to the credit Bureau directly to dispute any inaccurate credit information. The report that was screened will only reflect the information that was obtained from XXXX at the time of your screening and is not representative of your current credit report.
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC (GA)

I recently received communication from : Recovery Solutions Group , LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX Attempting to collect the below-listed alleged debt : Alleged Original Creditor : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Alleged Debt Amount or Balance : {$500.00} Their initial communication to me in attempt to collect the alleged debt was responded to within 30 days by me XX/XX/year> with a validation letter via certified mail # XXXX. Wherein, they were advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Furthermore, I requested verification of the alleged debt specifically, a copy of a contract or agreement. XXXX contract or agreement must be with the original creditor and signed by all parties involved. Recovery Solutions Group , LLC received and signed for said registered mail and haven't validated this alleged debt after I executed my rights, whereby they're illegally under section 1692g attempting to collect the above-listed alleged debt and money that I do not owe.
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXXXXXX Account : Name XXXX Account Name : XXXX  Account : Name XXXX Account Name : XXXX XXXX  Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : XXXX XXXX XXXX Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : XXXXXXXX  Account : Name XXXX Account Name : XXXX Account : Name XXXX Account Name : Unknown Account : Name XXXX Account Name : XXXX Account : Name XXXX
Consumer complaint received 2024-09-05
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. (IL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

Under the doctrine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Jefferson Capital System on a matter that pertains to my credit. I have been a victim of fraud. I sent Jefferson Capital System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Jefferson Capital System to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, experian, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Jefferson Capital System and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Jefferson Capital System. You can not because this is not my debt nor do I owe Jefferson Capital System anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM JEFFERSON CAPITAL SYSTEM NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Consumer complaint received 2024-09-05
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-05
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. (NJ)

Dear XXXX, I am writing to formally dispute the inaccuracies in my credit report and to bring to your attention a serious issue regarding fraudulent charge-offs on my accounts. Pursuant to Consumer Law Code 15 USC 1681n, which addresses damages for willful noncompliance, I am seeking your assistance in rectifying these inaccuracies and ensuring that my credit report reflects accurate information. 
Upon reviewing my credit report as of XX/XX/XXXX, I have discovered several fraudulent charge-offs listed on my accounts. Notably, these inaccuracies involve the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  These accounts were closed in XX/XX/XXXX and XX/XX/XXXX respectively. Despite the closure, my credit report erroneously reflects charge-offs on these accounts that are both inaccurate and fraudulent. Also, on these accounts its still being reported that I have a credit limit even though the account is closed. This erroneous reporting is causing undue harm to my credit profile and potentially affecting my financial well-being. 
I have already reached out to the credit reporting agencies to dispute these inaccuracies, but they have yet to take corrective action. Therefore, I am now seeking your intervention to ensure that the following actions are taken : XXXX. Removal of all fraudulent charge-offs associated with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 
XXXX. Verification and correction of the reported information to reflect the true status of my accounts. 
The inaccuracies in my credit report are not only misleading but also violate the Fair Credit Reporting Act, which mandates that credit reports be accurate and up to date. I respectfully request that you investigate this matter promptly and take the necessary steps to enforce compliance by the credit reporting agencies. 
Please confirm receipt of this letter and provide me with a written response regarding the actions taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your assistance in correcting these inaccuracies. 
Thank you for your time and consideration.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-05
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)

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear ( Debt Collector ) 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 i 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify XXXX, Chexsytem, XXXX, XXXX, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

XXXX Chexsytem, XXXX, XXXX, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with XXXX Chexsytem, XXXX, XXXX, XXXX, and XXXX XXXX investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector.

Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my credit report.
Consumer complaint received 2024-09-05
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. (DC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2024-07-26
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 2024-09-05
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. (NY)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Please remove it from my credit report.