davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

XXXX Here is my previous case number thats been closed. And I have since not received any verification letter to gain access to my account. So its now been 1 month since my account has been closed and citi has claimed to sent 2 letters out. How can this be legal? I have funds in this account.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX - XXXXXXXX XXXX XXXX XXXX  - Account XXXX - XXXX XXXX XXXX XXXXXXXX - Account Number-XXXX XXXX XXXX XXXX XXXX XXXX  Account Number- XXXXXXXX XXXX XXXX XXXX Account Number-XXXXXXXX XXXX XXXX Account XXXX XXXX - Account XXXX -XXXX XXXX  XXXX Account XXXX XXXX XXXX - Account Number- XXXX XXXX  Account Number-XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To XXXX, Experian, and XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, and I haven't received any response from the 3 credit bureaus listed above.
Consumer complaint received 2024-09-02
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. (FL)

I'm filing this CFPB complaint that you EXPERIAN consumer reporting agency are reporting inaccurate and incomplete information. 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the account listed below. Please be aware that automated responses or e-OSCAR verification are unacceptable for addressing this matter. A detailed re-investigation and explicit disclosure of your verification method are required as per the statutory guideline. I demand that the following accounts be validated or DELETED immediately : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$9300.00} Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} In addition, DELETE all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I never had a XXXX and I downloaded it start to check my credit and when I look there is a credit card open up not by me and it was an Amax so I call and report it. Its crazy because I have a XXXX  XXXX credit card why wouldnt I be happy to have an amax over a XXXX  XXXX. I didnt open a amax the amount I see is {$4300.00} and I call XXXX and they say it one XX/XX/year> and I reported it to them.
Consumer complaint received 2024-09-02
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. (AL)

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 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 2024-09-02
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. (FL)

3rd Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Please update my addresses and delete from my credit profile.Sincerely, XXXX Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP. 
Sincerely, XXXX
Consumer complaint received 2024-09-05
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. (LA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX/XXXX/Equifax XXXX - XXXX Account Number : XXXXXXXX XXXXXXXX/Equifax
Consumer complaint received 2024-09-05
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)

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 XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : AFFIRM XXXX # XXXX -Balance {$630.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$2100.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$3000.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX -Balance {$280.00} -DATE OPENED XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-10-17
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: Resurgent Capital Services L.P. (TX)

I am a victim of identity theft I have sent numerous of letters to LVNV because they have been reporting XXXX accounts that are a result of identity, theft and fraud. This company continues to report false information on my credit report despite being sent. They continue to violate my rights as a consumer by reporting in accurate information, despite being sent the proof. Rent recovery solutions is another account that is reporting false information to an address that I never lived at. They had also been sent a letter as well and they refuse to remove this account instead they keep removing this account and re-adding this fraud account to my credit report. 

XXXX XXXX XXXX XXXX LVNV {$1100.00} LVNV {$580.00}
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-05
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. (GA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. 
This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-09-20
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (AL)

I received a letter and multiple calls from a debt collector attempting to collect an alleged debt, demanding payment of a specific amount. In response, I wrote a letter to the debt collector, asking them to furnish a contract indicating mutual assent of the parties. However, despite my request, the debt collector has failed to provide the requested document. This situation has caused me significant distress and uncertainty regarding the legitimacy of the alleged debt and the actions of the debt collector. Ive attached a copy of all correspondence Ive sent to the debt collector, and copies of the certified receipts confirming delivery.
Consumer complaint received 2024-10-17
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. (VA)

On or about XX/XX/year> an account was opened in my name with XXXX XXXX Bank. This account is not my account. I did not open this account and I did not authorize anyone else to open this account in my name. This account is not placed with a collection agency called Resurgent Capitol Services in XXXX South Carolina. I was made aware of this account by a credit alert notification with XXXX XXXX. Upon accessing my credit report I located the account and upon the information reported to the credit bureau I file a dispute on a number of occasions. The collection agency and or XXXX XXXX Bank reported back that the account was valid and verified the debt. This debt has been disputed on a number of occasion and not as per XXXX they have refused to investigate the debt stating that it has been verified and is a valid debt. It is not. I have reached out to XXXX XXXX Bank and asked for copies of all documents that they have on file for this reported account and they have advised that they have nothing in their records and therefore can not provide any documents to me and that I needed to reach out to LVNV as they are now the account holder that XXXX XXXX has charged off the debt and they have no further information on the account. In reaching out to LVNV I was advised that they have no documents for the account as they are not the original creditor and that I needed to reach out to XXXX XXXX Bank. Neither of these companies are willing to provide any documents to validate this debt however one or both when disputed deem this to be a valid debt and the money owed. One or both of the respond back to the credit bureau that they debt is valid and provide no proof as such. This is not my debt and I am not paying it. I did not live at this address when this account was opened and have no knowledge of this account. I have reached out to a consumer law firm that has stated to me that they will handle this and the other accounts that are inaccurate. I have been advised that they will take these creditors to court and will file for sancions and damages.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has this dispute listed as a charge off but is reporting as payed as agreed. 
This account was also purchased by another creditor and no XXXX was provided for this.
Consumer complaint received 2023-10-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc. (CA)

In XXXX of XXXX I called the company/ loan provider " Systems and Services Technologies Inc. '', their address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to ask if they had a payment plan available for me because the payment I was making was too high. They said : " Yes, they did '', so I enrolled on a payment plan of XXXX XXXX/month in accordance with what they told me. They played a recording where I had to give my consent to the new payment plan ; I gave my consent. They indicated I was already enrolled in the payment plan, and I would only need to make the payment of {$360.00}. In addition, they also told me that they were going to mail me, email me, or put the electronic documents showing this change on their portal, but they never did. Since XXXX, I have been calling them almost 4 times a month requesting the documents and asking them if I was ok making the continued payments {$360.00} dollars, and not the monthly full amount of {$720.00}, to which they always replied yes, that is sufficient. Representatives said that the documents were processing, and that the documentation department was almost ready to send those. The representatives were very deceiving and lied to me every time I called saying that I was ok, and that I was currently enrolled in the payment plan described above. They indicated that I did not need to do anything else, and just wait for the documents. I just found out that they closed the loan of {$19000.00}, and transferred to XXXX XXXX XXXX, XXXX, which is a debt collector company and law firm. This action has affected me so much because they made me believe I was on a payment plan, and everything was ok. Now my account is in collections and my credit score has been affected.