davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (LA)

A debt listed on all 3 major credit reports continue to list a fraudulent debt that I do not owe that is over 20 years old. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Experian and XXXX refuse to remove the report in violation of law. XXXX ( debt ) has never, in 20 years, produced a promissory note or anything with my signature on itt proving this debt because I do not owe it. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2024-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted both accounts
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NC)

This account originated in XXXX and I gave them {$4000.00} dollars down for a vacation package. After a year of paying them through the website I was given and the maintenance fees, I tried booking a room and was told they could not book at this time, then I ask when could a room could be booked, they told me to call back. After trying to book a room couple of times with no success I stop paying. After I stop paying they called me about the payment at that time I explain the issue to them, I was told their company is located in the California an only handle payments and any issues with booking is handle through the resort in XXXX. I called the resort in XXXX and ask for arbitration a few months later XXXX collection service contacted me and they added {$4000.00} to the dept. I tried resolve this but its hard when your can only talk to the front desk at the resort.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

XX/XX/year> I called XXXX to port my numbers over to XXXX XXXX  XXXX and cancel my service. XXXX never cancelled my service and I was charged for a line that was NEVER USED nor had a phone attached to it. I didnt know anything about the line until I started receiving bills in the mail from XXXX. My service was canceled and paid. I called XXXX roughly 13 to 14 times and the last 3 attempts I was told the line has been disputed and amount settled. If you can, PLEASE HAVE XXXX pull the calls as calls are recorded. I was also told I would receive a dispute letter for my recorded.. NEVER received the letter. I spoken to several managers and was told the same thing. I confirmed my email & address to make sure it was correct on file. Due to identity theft I put a fraud alert on my credit report and this is how I found out about this fraudulent collections on my credit report. If I need to pull my call log to time stamp the date and times I called XXXX I dont mind. If you look at my credit report i dont have any collections.. THIS IS FRAUD!!
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Holding Company, Inc. (TX)

XXXX Dispute Summary Case XXXX On XX/XX/XXXX, I filed a dispute with XXXX XXXX Avant  Credit Card reporting a late payment for XX/XX/year>. I provided both bank and credit card statements showing XXXX payments totaling {$520.00} for XXXX. 

While Avant initially corrected my report, they moved the late payment to XX/XX/year>. I filed another dispute, supplying the same documents proving I made XXXX payments totaling {$520.00} in XXXX. After multiple phone conversations, they confirmed that I was not late in either XXXX or XXXX. 

However, the dispute results came back with the late payment moved back to XXXX. Every time I dispute, they alternate the late payment between XXXX and XXXX, despite having already verified the information as accurate. 

Additionally, my report incorrectly shows a {$25.00} payment for XXXX instead of the correct {$520.00}, which brought my balance to zero. I pay off my cards monthly, making it impossible for any late payments to occur. Despite XXXX reviewing my statements and agreeing with me, they continue to allow Avant to switch the late payment between months, even though the issue has been resolved multiple times.
Consumer complaint received 2024-09-21
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. (LA)

The account to XXXX XXXX XXXX  at XXXX is XXXX XXXX XXXX. Consumer finance laws prohibit credit reports of over 10 years old. It is illegal for them to continue to post this information. Contrary to the laws of consumer finance. Its that simple plus they can never prove that I owe this money. Theres never been a promissory note presented never please have them remove it according to consumer finance laws.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

I am filing a formal complaint regarding the incorrect reporting of a charge-off and an extended period of late payments on my credit report. This reporting is not only inaccurate but also a violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

In addition to the false charge-off, my account has been inaccurately reported with over a years worth of late payments. This misrepresentation of my account has significantly damaged my credit, violating the FCRA 's requirement that all information provided to credit agencies be accurate, truthful, and verifiable.

Violations of Consumer Law : The charge-off is incorrectly reported, and the furnishers failure to verify and correct this information after previous disputes violates Section 611 ( a ) of the FCRA.Additionally, the inaccurate reporting of late payments breaches Section 623 ( a ) of the FCRA, which mandates that furnishers provide correct and complete information. Their failure to amend these errors further violates this obligation.

FDCPA Violation : If the reporting entity is acting as a debt collector, the false reporting of charge-offs and late payments constitutes a deceptive practice under Section 807 of the FDCPA ( 15 U.S.C. 1692e ). These actions are unlawful and harmful to consumers.

The continued inaccurate reporting is damaging my financial standing, leading to unjustified credit denials and increased interest rates.

I urge the CFPB to immediately investigate this issue, ensure compliance with the FCRA and FDCPA, and require the permanent removal of both the charge-off and the incorrect late payments from my credit report. The furnisher must be held accountable for failing to meet their obligation to provide accurate information, with penalties applied for any further non-compliance.

I expect a prompt resolution, including the permanent removal of all erroneous information. Please notify me of the actions that will be taken and the timeline for addressing this complaint
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MI)

To XXXX XXXX you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXX XXXX he cash XXXX XXXX escrow account checks in my name and I reported as Forgery XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ratchford Law Group, P.C. (PA)

I received a notice from my local magistrate court that i was being sued, I immediately responded asking the debt collector ( Ratchford Law Group ) to validate the debt according to the FDCPA, ( copy of the letter is attached ) I gave the company the allotted 30 days, the company responded with alleged bills they assert are from the account they are suing me in court for, i responded to them again to re-enterate that the information i am requesting was ( NOT ) sent!!! 
i re-sent a copy of the certified request for validation along with an Opportunity to cure/default letter signed under penalty of perjury, i gave the company an additional ( 7 ) days to correct the error, the company hasn't responded and this situation is causing mental anguish, money, time and t is destroying my credit profile
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (TX)

Days after the account was open, the custom rep suggested me to change my address to get the other authorized card, which directly resulted in security hold on the account and I cant either use or close the account. 

I fax the documents as requested twice. I also called custom service once every 1-2 weeks but got no answers but keeping waiting. About 2 month later, I was asked to mail in the documents. The rep suggested the resolution would be in 2 weeks. 

The document was mailed on the beginning of XXXX ( see attached evidence ) and there was no response for another 2 months. I called in on the end of XXXX and it appeared that no one had processed the review. The account was then get unlocked eventually and I was transferred to get the account closed. The custom service acknowledged their faults. 

Through the entire period ( except a few days before the lock ) I was not able to use the card at all and could not use any of the benefit, including promotional APY, priority boarding or many other benefits bundled with annual fee that was paid upfront. 

So I requested for a refund of the annual fee but the custom rep refused to do so and explained with you are out of the refund period. However, I was trying to close the account early on but would not be able to do so due to the lock on the account. 

In other words, the company charged annual fee upfront but effectively provided no service. The company policy suggests a period for refund but it does not allow me to close the account within that period.
Consumer complaint received 2024-09-22
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. (GA)

I am urgently notifying you that I have been a victim of XXXX XXXX, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

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  ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have filed an XXXX XXXX  report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XX/XX/2024, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-10
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/2022 AND XX/XX/2022. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-21
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. (GA)

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 : XXXX XXXX  Account Number XXXX 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Consumer name : XXXX XXXX. 
Social security XXXX :XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX under account XXXX, XXXX XXXX XXXX opened up XX/XX/XXXX under account XXXX, XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX XXXX opened XX/XX/XXXX under account XXXX, XXXX  XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.