davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Checking my credit report, I noticed a series of accounts in the name of XXXX  ( XXXX, XXXX, XXXX, XXXX ), XXXX XXXX XXXX XXXXXXXX, XXXX ), and PORTFOLIO RC ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collection agencies themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing and violating my rights as a consumer, potentially leading to identity theft. Therefore, I am submitting this complaint to request validation and verification of the accounts, for which you can provide me with certified evidence. Where do I give consent for these accounts to be reported on my credit history? As well as the prior notifications regarding the transfer of the accounts by the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have contacted FCO several times in regards to a debt that they are reporting to my credit report in which I have stated is a result of identity theft. They requested I send in documentation such as an identity theft affidavit as well as my ID and proof of residency for the timeframe requested. I gathered all the necessary documentation and submitted it to them as requested. Not only did they take well over 30 days to process my dispute but they continued to report it without verifying if it was factual which is a direct violation of the FCRA. It has now been over 6 months and they are still requesting payments and more documents after receiving all of the requested identity theft documentation.
Consumer complaint received 2024-08-01
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (NC)

Ask for my XXXX XXXX and it shows a company I C Systems collections as a collector. Have never hear about this company. The original creditor was XXXX XXXX XXXX ( Cable/ cellular ) and have never hear about that creditor either.
Consumer complaint received 2024-09-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

As of XXXX XX/XX/year>, a wrongful forbearance status was put on my account without my knowledge and loan interests were accruing due to no communication about borrower defense status which have been granted in XX/XX/year>. 
Spoke to a representative at AidVantage student loan servicer to recalculate total loan amount I owed without incorrect and wrongful interest amounts of {$670.00} or more. They declined to do so, simply saying that forbearance on my account should have in taken off and should have requested repayment from me, but would not correct the interest amount put on my loan balance.
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MD)

They are repeatedly calling me, and now they are calling friends and family. I speak to them when they call, and I have told them to send me a letter, and we also agreed on a reduced amount for the debt. They have not sent anything to me, and are now harassing my family and friends. I have told them that I will not make a transaction over the phone. They will not stop the harassment.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Account : Checking Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX at Chase Branch XXXX XXXX XXXX inXX/XX/XXXX ( check amount : {$370000.00} ). 
Original receipt from bank XXXX rates release date of XXXX of XXXX. Release date was then pushed to the XXXX of XXXX without explanation. 
Request for explanation and advising of economic loss returned no satisfactory or substantive response. 
This is the only capital transaction account for building my current personal house. 
Funds remain withheld by the bank. 
This is a regular transaction of a repetitive pattern in an established banking relationship.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chex Systems , Inc XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 
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. Items listed above, have 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 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 ( AN ( 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. 
I have NEVER opened or used the following account numbers, please remove all information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (GA)

After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Help Financial, LLC (CO)

I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
Thank you
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

i never applied for this card its not mine Reported balance {$2300.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount {$2300.00} Account status Closed Date reported XX/XX/XXXX Payment details Last reported Review your last reported payment information and click FILE A DISPUTE to continue. 
Account type : Revolving EFX Help mark icon Whats this? 
Account owner Individual Account Loan type Credit Card Creditor classification Revolving credit limit {$2200.00} High credit amount {$2300.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/XXXX Date reported XX/XX/XXXX Date of last activity Payment Details Months reviewed XXXX Date of last payment XX/XX/XXXX Deferred payment start date Scheduled payment amount Date closed Actual payment amount Charge off amount {$2300.00} Delinquency History Balloon payment date Date of first delinquency XX/XX/XXXX Balloon payment amount Amount past due {$2300.00} Date of major delinquency reported XX/XX/XXXX Comments Consumer Disputes After
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XX/XX/XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX  is reporting a balance of {$5400.00} when it is my understanding and reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence there of. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the XXXX of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the XXXX. 

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NM)

XXXX XXXX XXXX XXXX XXXX has reported XXXX collection amounts to Transworld {$760.00} & {$780.00} I have disputed these charges multiple times the disputed amounts remain " unchanged. " The core issue is that the charges were not accurate from the beginning each charge entry was not aligned with the contracted agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The applied charges did not match the acceptable charges agreed upon.
Consumer complaint received 2024-07-18
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: U.S. BANCORP (NY)

I am writing to dispute the following information in my credit file. The items I am disputing have been circled on my enclosed credit report. 

I have never applied for XXXX. It is inaccurate because I have never had XXXX filed. I am requesting that this item be deleted to correct my file-15 U.S. Code 1602 ( p ).

Please investigate these matters and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (SC)

I am writing to formally dispute the validity of the debt you have claimed I owe. I recently received a notice from your agency regarding an alleged debt under my name. I believe this claim is erroneous, and I am requesting that you cease all collection activities until this matter is resolved & remove this from credit report. This is preventing me personally & my rights under the US law, my next step if this is not removed is alerting the Attorney General about this matter.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt. Please provide the following documentation to substantiate your claim : Proof of the debt 's validity : A detailed statement showing the original creditor, the amount of the debt, and any charges or payments made.

Verification of your authority : Documentation proving that your agency is authorized to collect on this debt.

Detailed account history : Records that link me to the debt, including the original contract or agreement.

Please be advised that while this dispute is being investigated, you must halt all collection activities and reporting of this alleged debt to credit bureaus. If you have already reported this debt, I request that you inform the credit bureaus that the debt is disputed.

Additionally, I request that you cease all direct communication with me until this matter is resolved. Any further attempts to contact me or collect on this alleged debt without providing the requested documentation will be considered a violation of the FDCPA.

Please send the requested documentation to my address listed above. I look forward to your prompt response to this matter.

Thank you for your attention to this important issue.

Sincerely,
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (MA)

This is on my credit report with all three credit reporting agencies. This is not my collection or debt. How can they just say it is mine and ruin my credit. I can not deal with the hundreds of phone calls a month and I refuse to have anything to do with this since it is not mine. They can not prove it is mine
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NJ)

I reported this company Spring Oaks Capital , LLC out of XXXX, VA in XXXX of XXXX. This Co called a family member and left a message, he saved the message and sent to me, I told him it was spam. I did some research at the XXXX  and after reading several reviews I reported them there and with you. Your report number was XXXX. I tried to add to the report with this number today but it said that there was no such report number. I received an email today XX/XX/XXXX from this co claiming I owe a debt and they are willing to make payment arrangements. The debt is completely different from the one they claimed I owed in XXXX. I did not respond to this company as I felt they were spam and blocked them. I have no debt, no past or current debt from the companies they are claiming I owe.
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (CA)

I have been a loyal and on time paying customer to Freedom Mortgage for 9 years paying above and beyond my monthly payments and am set to pay off my loan 5 years early. 

XX/XX/XXXX Request to have PMI removed - Response by company Denied on XX/XX/XXXX Denial Due to FHA Guidelines. 
XXXX I was told I would need to pay for a refinance into a conventional loan. 
XX/XX/XXXX - Denial saying that under FHA Guidelines my loan must have been created between XX/XX/XXXX and FHA case number had to be assigned before XX/XX/XXXX XXXX order to be eligible for an early cancellation. My PMI is no set to cancel till XXXX/XXXX
Consumer complaint received 2024-07-22
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: Westlake Services, LLC (IN)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Indiana Laws Dear XXXXXXXX XXXX  I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically under XXXX, Indiana, state laws. 

It has unequivocally come to my attention that XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Indiana state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Indiana state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXXXXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXXXXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Indiana state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Indiana state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-24
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. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (MN)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with USCB Corporation for account number XXXX. They did not provide me with the original contract as I requested.