davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt and Request for Verification under 15 U.S.C. 1692g Dear Source Receivables Management, I am writing to formally dispute the debt referenced in your communications, related to the account ending in XXXX with a balance of {$120.00}, allegedly owed to XXXX XXXX XXXX XXXX I do not recognize this debt and believe it to be invalid. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the following : Verification of the Debt : Detailed information proving that the debt is valid, including a copy of the original contract or agreement that shows I am responsible for this debt.

Account History : A complete accounting of the debt, including the original amount, any payments made, and any fees or interest that have been added. 
Proof of Ownership : Documentation that proves Source Receivables Management has the legal right to collect this debt. 
Creditor Information : The name and address of the original creditor to whom the debt was owed. 
As required by law, I request that this debt be marked as disputed on my credit report until the matter is resolved. Additionally, if you can not verify the debt, I request that you immediately cease any further collection activities and have the debt removed from my credit report. 

Please provide the requested documentation within 30 days of receipt of this letter. If you can not provide sufficient verification, I demand that you remove all information regarding this debt from my credit report and confirm in writing that this has been done. 

Failure to comply with this request will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office, as well as pursuing legal remedies available to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

Santander Cosumer usa reported my payment on my account between XXXX XXXX and XX/XX/year> as 30 DAYS LATE. This inaccurate and misleading information i spoke with santander consumer usa and was granted an extension for XXXX XXXX. I will attached the document. This late payment dropped my credit score XXXX points!!!!! I was denied for my home loan due to this inaccurate information!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Subject : Formal Complaint Regarding Business Banking Application Decline and XXXX Report Due to Identity Theft Dear Capital One Business Banking Partners, I am writing to formally express my concern regarding the decline of my recent application for a business banking account with Capital One. Upon applying, I was informed that my application was declined due to information obtained from XXXX, a consumer reporting agency. 

After conducting thorough research, I understand that XXXX reports on bank accounts, credit accounts, and similar financial matters. Unfortunately, I have been the victim of identity theft, a situation that began in 2020. This identity theft led to the mismanagement of an account under my name, resulting in negative reporting, which may now be affecting my ability to open a business banking account. 

I have consulted with multiple attorneys and legal professionals who have advised me to contact the involved banks to address this matter. They emphasized that allowing these inaccuracies to persist is detrimental to my financial well-being. Therefore, I am reaching out to request your assistance in resolving this situation. 

I respectfully ask that you review my case and work with me to rectify the issues related to the identity theft that has affected my financial records. My goal is to have this matter resolved so that I can proceed with my business banking needs and restore my ability to apply for credit and bank accounts in my own name. 

Please let me know what steps need to be taken to resolve this issue and ensure that my records are corrected. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-11-01
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. (VA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-31
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-31
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. (CA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CT)

Someone with an XXXX accent claiming to be from Chase Bank stated they wanted to confirm my credit application made from the state of Missouri and North Carolina. Phone call was from Unknown Caller ; no phone number to track. Kept calling repeatedly. I kept trying to block the calls but they kept coming through. One call was identified as XXXX but no actual number attached to it. They knew my full name, the town I lived in and state ; they also knew the last four digits of my SSN. He gave me a Complaint Number - XXXX and was going to transfer me to the Consumer Financial Protection Bureau. He also mentioned other creditors such as Bureau of XXXX XXXX and XXXX XXXX that had applications in my name. While I was waiting to be transferred, I hung up and decided to call and report this activity.
Consumer complaint received 2024-08-28
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: JPMORGAN CHASE & CO. (AP)

VIOLATION OF THE FCRA .. ( XXXX XXXX & ( CHASE BANK XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY EXPERIAN CONSUMER CREDIT FILE.... TITLED... ( JPMCB CARD Dated : XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... XXXX AND CHASE FAILED TO CORRECT INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

Dear CFPB Team, I hope this message finds you well. I seek your assistance regarding an issue I've encountered on my credit report related to debt collectors LVNV Funding LLC, and National Recovery. I have gotten multiple phone calls from both collection agencies with foul language and threats even when I told them to not call me. I have sent them multiple letters asking them for a debt validation letter and a contract with my signature to prove to me that the debts that they are calling me about are my debt. They told me that they would not send me that which is grounds for removal. I have gotten multiple emails from LVNV Funding LLC none stop phone calls. 

They are listed as closed accounts, Open accounts, and Collection accounts which is ridiculous. I am tired of the constant phone calls threatening me that I will never get a car, house, or any loans as long as they are around. 
Thank you very much for your attention and assistance regarding this matter. 

Sincerely, XXXX
Consumer complaint received 2024-08-28
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: JPMORGAN CHASE & CO. (AL)

Amazon- Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission XXXX XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX  I have more then one inquiry from them XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX denied me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get one and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is JMPCB AUTOS lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX XXXX XXXX which is also my bank did the same thing mislead information to me
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

DELETE AKA, XXXXAND DELETE XXXXXXXX XXXX COLLECTIONS UNDER XXXX XXXX THE ONLY NAMES TO BE LISTED ON PERSONAL INFORMATION IS XXXX XXXX XXXX AND AKA XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Starmark Financial LLC (TX)

I am submitting a complaint against Starmark Financial LLC regarding an account they have reported to the credit bureaus. Starmark Financial asserts that they purchased this account from the original creditor, with whom I have had no prior business relationship.

I challenge the validity of this debt and believe that Starmark Financial is not complying with federal regulations, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Starmark Financial has failed to provide the required validation of this debt under 15 U.S.C. 1692g ( b ). Additionally, their continued reporting of this account without proper validation violates 15 U.S.C. 1681s-2 ( b ) of the FCRA, which mandates that all reported information must be accurate, complete, and verifiable.

Despite my dispute, Starmark Financial persists in reporting this account, which is negatively impacting my credit. I believe this is a deliberate violation of my rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to investigate this issue. I demand that this account be removed from all credit reporting agencies and that any other appropriate measures be taken to address this unlawful reporting. 

Additionally, I am formally demanding the deletion of the disputed account from all credit reporting agencies. Under the FDCPA and FCRA, you are obligated to ensure that all reported information is accurate, complete, and verifiable. 

Upon acquiring this account from the original creditor, Starmark Financial became subject to the validation requirements outlined in 15 U.S.C. 1692g ( b ). Since you have not provided sufficient validation that this debt is legally enforceable, and you have not demonstrated that Starmark Financial has the right to report this account, your continued reporting constitutes a violation of the FCRA under 15 U.S.C. 1681s-2 ( b ).

Moreover, as you have admitted that there has been no direct business relationship between myself and Starmark Financial before your acquisition of this account, I dispute the legitimacy of this debt entirely. Without direct proof of ownership and proper validation under federal law, your reporting of this account is inaccurate and misleading. 

In accordance with the FCRA, I demand that Starmark Financial LLC immediately stop reporting this account to any credit reporting agencies. Failure to comply will result in my pursuing all available legal remedies, including filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing civil litigation for violations of my consumer rights. 

I expect to receive confirmation of the deletion of this account within the legally required time frame.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank levied a {$XXXX} late fee, although my account was paid on time. They agreed to " waive '' the fee ; however, they insisted I pay the total amount {$XXXX} due ( which included the waived fee ) now and wait for a {$XXXX} credit next month. 

Synchrony bank 's phone is XXXX. It is affiliated with XXXX XXXX XXXX ( acct # XXXX ) & XXXX 's phone is XXXX. 

MY NEW PHONE IS : XXXX, not the number listed. 

My printer & scanner do not work. Let me know if you need copies of the XXXX 's statements for XXXX and XXXX and I will try to get to XXXX for scanning service. I am currently without a car.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-01
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. (CO)

account XXXX has been disputed for accuracy with nothing corrected statis of accout inaccurate balance inaccurate ownership innaccurate, nothing consistent between 3 credit bureos the bureos have a responsibility to report accuracy none of the 3 bureos are reporting accuracy and continue to break the law and do not investigate disputes and up date them as accurate