davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (PA)

Date XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX, KS XXXX RE : XXXX I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, XXXX XXXX XXXX Not only did they not Validate the debt but they did not respond within a sufficient amount of time.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX APT XXXX XXXX FL XXXX. Please remove all other name variations IMMEDIATELY. They are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX WAY XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TN XXXX
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (TX)

Experian # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I called the company many times and tried to dispute. I informed them that according to the FRCA, these unauthorized items must be removed.
Consumer complaint received 2024-09-13
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (FL)

On XX/XX/XXXX, I was slammed with a fake website while trying to order comedy tickets from XXXX XXXX XXXX XXXX XXXX XXXX located @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. The following attachments are documentation that BB & T Bank refuses to cooperate to refund monies that was not authorized from a fraudulent company that has scammed me and many other people. First, BB & T representative assured me, when charges of {$270.00} posted to my account, I will be refunded. I contacted BB & T Bank continuously and its always an unresolved response such as merchant is disputing the claim then you have to wait for 30 days and final response was if merchant dont response, monies will be refunded. On XX/XX/XXXX @ XXXX XXXX, still no refund or merchant response. It has been over thirty days. I never received tickets from fraudulent vendor. Therefore, Im out of {$270.00} and tickets too. The attachment # 1 is the actual letter to start claim process, attachment # 2 is the actual website for XXXX XXXX XXXX XXXX XXXX XXXX with tickets purchased and confirmation. I finally was able to purchase two tickets from the correct website. After, I attempted to purchase ticket again ; the fraudulent website came up twice. As I explain to BB & T representatives more than once, I attended a show with tickets purchased from XXXX XXXX XXXX XXXX XXXX XXXX but my debit card was charge {$270.00} for tickets NEVER received. It has been very stressful and unfair to be treated in such an appalling manner. I have contacted BB & T Bank on the following days : XX/XX/XXXX ( first call ), XX/XX/XXXX ( informed BB & T representative to expect an email ), XX/XX/XXXX @ XXXX XXXX-13 mins-38 seconds, XX/XX/XXXX @ XXXX XXXX-7 mins-44 seconds, XX/XX/XXXX @ XXXX XXXX.-11 mins-46 seconds, XX/XX/XXXX @ XXXX XXXX-19 mins-1 second
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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.

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 8
Consumer complaint received 2024-09-09
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. (TX)

am writing to formally request the Consumer Financial Protection Bureaus assistance in removing inaccurate information from my credit report. Despite my repeated efforts to dispute the information with the credit bureaus, the inaccurate data has not been corrected. This continued failure to address my concerns is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The following inaccurate information is being reported and must be removed immediately : XXXX XXXX XXXX, XXXX, XXXX, XXXXXX/XX/XXXXXXXX, and address XXXX XXXX XX/XX/XXXX XXXX XXXX. 

I have contacted Equifax, XXXX, And XXXX. Under the FCRA, the credit bureaus are legally required to ensure that the information on my credit report is accurate and must remove or correct any disputed items after a thorough investigation within 30 days. Additionally, the FDCPA prohibits debt collectors from furnishing inaccurate or misleading information, and by failing to comply, they are violating my rights.

I demand that the CFPB : 1. Investigate and intervene in this matter to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
2. Issue a cease and desist order to prevent further reporting of these inaccuracies.

3. Ensure full compliance with federal law and that all future credit reporting is accurate and fair. 
If these issues are not resolved in a timely manner, I will consider pursuing further legal action, including complaints to the Texas Attorney Generals Office and potential legal remedies for damages resulting from non-compliance with the FCRA and FDCPA. 
Enclosed are copies of previous correspondence with the credit bureaus, as well as supporting documentation ( e.g., payment records, statements ) to substantiate my claim. 
I request written confirmation that the inaccurate information has been removed from my credit report within 30 days. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-13
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I found out a few months ago from a credit provider that my Experian credit data had a fraudulent second Social Security number on it. It took me many weeks to find someone to talk to and correct this. Now, I have tried to log onto my Experian account to check credit but I keep getting an error message. It does not seem to be an error with email or password. I have tried for two days now to get someone to help me but I can not get past their voice activated system to talk to a human being. This same thing happened a few months ago with the fraudulent SS number. I did not file a complaint last time. But this time I am fed up with Experian 's bad service. 

Experian acts like an ugly monopoly and does not seem to care that their carelessness and inattention impacts people like me who occaisionally need to apply for credit.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I am writing to formally notify you that I have identified a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. On XX/XX/XXXX, inaccurate information was furnished on my consumer report, " failed to provide VERIFICATION of debt. As a result of this willful noncompliance, I have experienced defamation and emotional distress. The following accounts are as follow : LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 

LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 


I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. 
Under 15 U.S.C. 1681n, any person or entity that willfully fails to comply with any requirement under the FCRA is liable to the affected individual for : 1. Any actual damages sustained by the individual as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 2. Punitive damages as the court may allow ; and 3. The costs of the action, together with reasonable attorney 's fees as determined by the court.

In light of the above, I request that you immediately take corrective action to rectify this violation, including but not limited to [ specific remedies you are seeking, e.g., '' correcting the inaccurate information, '' " providing the necessary disclosures, '' etc. ]. Failure to address this matter promptly may result in my taking legal action to enforce my rights under the FCRA.

If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 

Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2024-09-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

Carrington Mortgage Services ( CMS ) has capability on BOTH their App & Website to pay ahead and/or pay off escrow accounts, I paid EXTRA and they DIDN'T APPLY IT TO MY ESCROW ACCOUNT AND SENT BACK A " SURPLUS CHECK ''! JUST ANOTHER PREDATOR LOAN TACTIC IN ORDER TO KEEP CUSTOMER FROM PAYING ESCROW ACCOUNT AHEAD AND LOWER INTEREST AND/OR MONTHLY MORTGAGE PAYMENTS!!!
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (PA)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. 

Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

the payment history of this closed account was not accurately reported to all 3 credit agencies this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting, I was never late and also a violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have been the victim of identity theft the credit bureaus will not comply and delete all the accounts that were fraud I have not applied for any account and I have a police report regarding this incident so hopefully the credit bureaus will remove all of the accounts from my report my score Was XXXX before all this took place
Consumer complaint received 2024-09-13
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. (NC)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-15
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. (UT)

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.

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 XXXX 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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX, I discovered several unauthorized accounts and inquiries on my credit report, indicating that I am a victim of identity theft. These accounts were opened without my knowledge or consent, with significant balances reported. The fraudulent accounts were opened in XXXX, XXXX, and XXXX. Additionally, an unauthorized inquiry was made by a company in XX/XX/XXXX. 

Upon discovering these fraudulent activities, I filed an identity theft report and immediately contacted the credit bureau to request the removal of these fraudulent accounts and inquiries. I also informed them of an inaccurate address listed on my report. 

Despite these actions, the fraudulent accounts, inquiries, and the inaccurate address remain on my credit report, negatively affecting my financial standing. I am requesting the immediate removal of all fraudulent accounts, inquiries, and inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).