davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (HI)

See attached files for dates and times of communication between myself AARGON COLLECTION AGENCY and XXXX XXXX XXXX XXXX I wrote both the Furnisher and the collection agency. 

Per 12 CFR 1006.18 prohibits debt collectors from engaging in false, deceptive, or misleading representations, which includes reporting inaccurate information to consumer reporting agencies Furthermore the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) govern the reporting of consumer debt to credit reporting agencies. The FCRA, under Title VI of the Consumer Credit Protection Act, regulates consumer reporting agencies and aims to ensure accuracy, fairness, and privacy of consumer information [ 2 ]. The FDCPA prohibits debt collectors from using deceptive or abusive practices in the collection of debts, which includes reporting inaccurate information to consumer reporting agencies. 
Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered because of the violation of the FCRA and the FDCPA. 
In summary, I have been compelled to accept predatory loans and subsequently face credit denials due to these companies disregard to follow guidelines instead their violation of my rights highlights broader issues within the lending system, including predatory practices and barriers for me to access fair credit.
Consumer complaint received 2024-04-16
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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. (NC)

eliminate fraudulent inquiries that are 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
Consumer complaint received 2024-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-04-16
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)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on [ DATE ], and I have not yet received a response. ''
Consumer complaint received 2024-02-08
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. (PA)

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-04-16
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. (CO)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-16
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I am writing to formally file a complaint regarding a dispute with my previous landlord, Villas at XXXX, which was originally known as XXXX at XXXX. 
I believe that my rights have been violated in connection with a debt collection attempt made by this landlord. To provide you with some background, I rented an apartment from XXXX XXXX at XXXX at XXXX for a one-year lease. The lease term ended XXXX, I did not extend my lease and appropriately vacated the apartment. The decision to break the lease was influenced by a serious incident involving a shooting within the complex during the XXXX period, which made it untenable for me to continue residing there. I was then given an eviction order to pay {$2500.00} or quit the lease. I choose to quit the lease. Leaving XXXX at XXXX for good. Despite fulfilling my lease obligations and leaving the premises in accordance with the lease agreement, I am now being pursued for a debt of {$28000.00} by XXXX at XXXX. This amount is clearly incorrect and unjustified, as I did not extend the lease beyond the original term and adhered to all the necessary procedures when vacating the apartment. I am concerned that XXXX at XXXX actions XXXX constitute a violation of the Fair Credit Reporting Act, which governs accurate and fair debt collection practices. The FCRA ensures that consumers are not subjected to inaccurate or unfair reporting of debt. In this case, the amount claimed is not only incorrect but also reflects a misunderstanding or misrepresentation of my obligations. The continued attempt to collect this incorrect debt is causing severe disruptions in my ability to find suitable housing. Prospective landlords and property management companies are viewing this disputed debt as a red flag on my credit report, which is preventing me from qualifying for new rental opportunities. 
I am concerned that XXXX at XXXX 's actions constitute a violation of my rights and may be a result of improper or illegal debt collection practices. I respectfully request that the CFPB investigate this matter and take appropriate action to address this issue. Additionally, I would appreciate guidance on how to protect my rights and resolve this dispute with the landlord.Please let me know if you require any further information or documentation to support my complaint. I am eager to resolve this issue as soon as possible and ensure that my rights are upheld. 

Background and Lease Details : You rented from XXXX, ended the lease on XX/XX/XXXX, and vacated due to safety concerns. 
Eviction Notice : You received a notice demanding {$2500.00} or to vacate, and you chose to vacate the property. 
Unjust Debt Collection : Despite fulfilling your obligations, you are now being pursued for an incorrect debt of {$28000.00}. 
FCRA Violation : You believe this situation may violate the Fair Credit Reporting Act ( FCRA ) and is negatively impacting your credit report and ability to find new housing. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-16
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)

Upon a recent review of my credit report, I was surprised to uncover a significant error in the reporting. I am perplexed as to why this company has included this information on my credit report. I have never missed payments with any of these creditors. Upon contacting them, I was instructed to dispute the issue with you. Please investigate and review this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (AZ)

XXXX XXXX XXXX XXXX took me in the ER. I had an XXXX  which I had paid for seperately. The doctor did do blood work. Before I went in I requested a good faith estimate which was sent to my email. I paid the XXXX  in full. 

The hospital came up with insane charges like XXXX which I don't have XXXX nor received XXXX. And charged me over XXXX I even paid my doctors bill seperately. The XXXX  and doctors bill were both around XXXX $ I repeatedly called them for months upon months and recorded all convos. Every time they assured me I owed nothing, and every time a few weeks later a bill would show up. 

I contacted the federal government about my good faith estimate, I won my case as long as I paid in a certain time frame. 

The company I worked for had a charity and paid on my behalf since I was struggling. 

They received a receipt which I still have. I have the receipt and the federal letter I won my dispute. 

I made a final phone call recorded again they again assured me that I did not have a balance. 

I'm not sure at that point why I thought it was finally over. 

No more bills came Instead the criminals sent my " bill '' which had been paid in full to a creditor. 

The creditor in particular WILL NOT answer the phone and there is no way to contact them. 

I sent disputes through XXXX twice. Even after seeing all my documentation experian found in favor of the creditors. United Collection Bureau is the name. My next step will be to print a copy of my documents and try to mail them since they do not have a way to communicate with them. 

I believe XXXX XXXX 's XXXX is aware and are criminals. My guess is anyone self pay gets billed incorrectly, and they are taking advantage of the huge population of homeless in XXXX, Arizona. I am not homeless but see ot daily. 

I also felt VERY harrased with the lies and bills and also decieved several times. They are committing fraud. I really need help with this, because I have done EVERYTHING you can imagine and it's like they are all ignoring facts.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

While reviewing my credit report, I noticed unauthorized and unverified hard inquiries on my credit report that need to be removed immediately under the FCRA. 


XXXX  Date of Inquiries : XX/XX/23 & XX/XX/23 Equifax Mortgage Date of Inquiry : XX/XX/23
Consumer complaint received 2024-02-08
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage was transferred from XXXX to Nationstar Mortgage in XXXX TX on XXXX XXXX, XXXX. On Friday, XXXX XXXX, I received " opt out '' form dated XXXX XXXX and letter of explanation dated XXXX XXXX. No other dates appeared on the forms. I called them to opt out and they said they would process this, but it may take up to 30 days. 
This violates the Gramm-Leach Bliley Act. 
When I spoke to a supervisor XXXX XXXX, and told him I wanted to opt out now, he said there was nothing he could do. I told him to speak with his legal department about not dating the notices which would allow people, by law, the 30 days to opt out before selling all private information. He said he would make a note in my account. I suggested he make a note to his legal department. 
I am sick of receiving up to XXXX calls a day ( even after I block/ignore numbers! ) from people looking for me to invest, buy, give, etc. The OPT out rules are not being followed and it is a shame the government is protecting the rights of businesses to screw me instead of protecting my rights - I should be able to OPT IN if I want all my personal information sold and used! Businesses should NOT be allowed to use and sell ALL my private information without ME approving it!
Consumer complaint received 2024-04-16
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OLD NATIONAL BANCORP (TX)

I invested {$10000.00} in a friends company. This friend banks with Old National Bank My investment matured, and my friend wrote a check to me on XXXX XX/XX/XXXX in the amount of {$10000.00} ( check # XXXX ). I was not aware this check was in the mail. 
This check was stolen from my mailbox and cashed on XXXX XX/XX/XXXX at a XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I was not in XXXX at the time this check was cashed, as I had departed the city at XXXX on XXXX XXXX to XXXX XXXX XXXX. 
I do not have a bank account at XXXX XXXX XXXXXXXX. XXXX XXXX XXXX check cashing policy states it will not cash a check for someone without a bank account with an exception : Some check types can be cashed if you don't have an account ( there's a fee associated with this service ), but the transaction must be performed at a full-service financial center and not a drive-up location. 
In XX/XX/XXXX I first discovered the missing check when catching up with my friend I filed a police report on XXXX XX/XX/XXXX I filed a claim with Old National Bank on XXXX XX/XX/XXXX I was never contacted by XXXX  XXXX XXXX during the course of the investigation XXXX  XXXX XXXX denied my claim on XXXX XX/XX/XXXX, stating, Our review determined that the intended payee received benefit from the check ( s ). The check was deposited into the intended payee account. 
Please recall, I did not have nor have I ever had an account at XXXX  XXXX XXXX nor was I even in XXXX XXXX XXXXXXXX at this time XXXX XXXX XXXXXXXX refuses to work with me to resolve this issue because I am not a customer Old National Bank refuses to re-open this investigation
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-16
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. (WI)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, EXPERIAN, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX This account is not mine : XXXX XXXX XXXX XXXX - XXXX Experian Incorrect Personal Information : Incorrect XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 

XXXX Incorrect Personal Information : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine XXXX XXXX XXXX XXXX XXXX - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information.