davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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. (IA)

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine.

Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, The deletion or suspension of accounts due to a data breach or unauthorized inquiries is regulated by the FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts on my consumer credit report, stemming from a data breach or fraud. I demand verifiable evidence with my signature/electronic signature. This letter represents my complaint against a violation of my consumer rights under FCRA Section 605B and FCRA Section 604, as these actions lacked proper validation or original proof from the reporting companies. 

Listed below are the Accounts that are being challenged : XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX XXXX XXXXXXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX Do you know if I did not authorize this inquiry? - The following inquiry was not authorized and should not be reported.
Consumer complaint received 2024-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (GA)

This company has repeatedly reported this collection on my consumer credit reports and will not provide proof of this account. I have reached out multiple times requesting proof that I owe the amount stated for multiple years and still no response. I have been trying to dispute this account and the company keeps saying it is accurate. I have also requested a copy of the original contract that I physically signed, supposedly agreeing to their payment terms when I opened the said account, but this company has not provided it. The said amount is XXXX stating the account was opened in XX/XX/year> which is inaccurate and unverifiable.
Consumer complaint received 2024-09-26
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. (SC)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to demand the fraudulent account : XXXX reporting to my credit report to be completely deleted. 

The account was deleted and unlawfully reinserted which means you are breaking another law. These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

You must provide me with the Credible source you legally used to return this information as verifiedwhich is impossible since I didnt open this account nor did I sign for it. 
This account must be removed immediately. 

If not, My attorney & I will take the necessary steps to ensure I receive all compensation through litigation for every account along with the losses I took due to this Fraudulent Account still reporting on my profile.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC. (MO)

Applied for and was approved for a debt consolidation loan to combine all payments into one. Loan was approved XX/XX/XXXX and mostly disbursed to creditors on XX/XX/XXXX. The largest creditor did not receive their disbursement. Have called twice a week and requested specifics of payment supposedly sent and have not received the information as of XX/XX/XXXX. I will shortly be making double payments on the same debt to XXXX lenders. The payment is now considered lost by XXXX and there is still no resolution. I redetailed this conversation via chat with sofi and recorded the written chat. I'm at a loss after multiple calls and requests and still expected to make payments on a loan that was not fully disbursed. In addition I was advised if and when the lost payment is found the other lender is required to send my overpayments to them rather than back to me.
Consumer complaint received 2023-11-21
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-09-07
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. (IA)

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law. 
Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I demand that any XXXX XXXX XXXX accounts be blocked from my report due to identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2. XXXX XXXX, who provides cybersecurity services to the lender XXXX XXXX XXXX, released my identifying information to another person without my consent.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with CHECKSYSTEMS for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. RN IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX ******** All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Aldridge Pite, LLP (CA)

The documents I received on XX/XX/XXXX shows XXXX the property Deed of Trust was and still is with XXXX XXXX XXXX XXXX an unmarried woman. attached is the document showing myself as the trustor under the security instrument that I have never violated or transferred. 

The Trustee here shows it as XXXX XXXX XXXX so on XX/XX/XXXX, I have no evidence that they sold this at auction. and no proof has been provided. 

I also received a fake Deed Sale that no proof of consideration {$680000.00} was paid and how. the word CASH does not comport to proof, but a method of so called payment that needs proof. 
proof there is actual unpaid debt of {$160000.00} when all principle payments have been paid up to and including XX/XX/XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-07
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. (MD)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The company is receiving my checks and does not post them right away. I have received several late fees. I have proof of mailing from my bank yet Capital One does not apply the payments right away. 

Also, the minimum due does not make sense. One Customer service representative incorrectly explained interest accrual.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, XXXX XXXX, and XX/XX/2022, I asked agencies to investigate items that I believed were reporting not XXXX percent accurate. As of now, I have no notice from them at all stating that the accounts are in investigation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am having to exercise my rights under law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all 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 account without my written instructions. Reporting agencies also have failed to allow me to remove several inaccurate names and addresses. I've been living over 12 years at the same address which is inaccurate I have one name that was provided at birth but yet several names are reported on my report.
Consumer complaint received 2022-09-19
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. (IL)

I have wrote the 3 bureaus several times about the inaccuracies on my report yet they keep saying the accounts are verified but haven't provided me no documents showing I authorize any of these accounts I demanded they be deleted and the accounts are still on my credit reports one one or more of the bureaus
Consumer complaint received 2024-09-07
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. (IA)

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This action being taken each month it affects my credit score, credit report, and creditworthiness.
Consumer complaint received 2024-09-07
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. (TX)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-09-26
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. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (OK)

I found out from Experian that XXXX XXXX XXXX reported : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX XXXX XXXX as my address. I never lived in that address and dont recognize that address. XXXX XXXX is not willing to take care of this issue. I would like Experian to remove that from my credit report.
Consumer complaint received 2024-09-08
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. (DC)

I sent a letter asking for proof of ownership of the account with XXXX XXXX  and they failed to do so. I disputed the ownership of the account with experian and they did not verify the account