davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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)

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can not be furnished without written instructions, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly. 

XXXX XXXX - XX/XX/year>, and XX/XX/year>
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

A debt was reported on my credit report that was released on XXXX XXXX. I attempted to dispute the debt with the property management company who managed the home I lived in. They sent me inaccurate statements and invoices and I was in the process of disputing the validity of the debt. The owner of the company XXXX XXXX sent me an email stating that I was not willing to pay or negotiate ( I was attempting to validate the debt ) and he stated and, in his email, " my company no longer manages this property. We will inform the owner that you are not willing to pay or offer a settlement. They can escalate to collections if they choose. Any future correspondence must be directed to owners of the home '' I am leaving out the names for privacy. I did not have the owner 's information because the property was being managed by XXXX XXXX. No further attempt to validate the debt occurred by either XXXX XXXX or the owners of the property. Five years later it appears as a collection on my credit report. I could not continue to pursue validation from XXXX XXXX due to their request and statement of not owning the debt. I had no contact with the owners who XXXX XXXX states now owns the debt. I do not owe XXXX XXXX, now the XXXX XXXX any money because as they stated they no longer represent the property, or the owners and any further collection must come from them.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Formal Complaint - Citi Credit Card 's Failure to Protect Consumers and Unresolved Charges Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Protection Agency concerning an ongoing issue with my Citi credit card and unauthorized charges made to XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX in the amounts of {$1700.00} and {$1100.00}, respectively. 

Despite my numerous complaints and substantial evidence proving that XXXX XXXX did not complete the promised repairs nor resolve the issue at hand, Citi Bank has failed to protect its consumers from unwarranted charges. The primary concern was a malfunction in my car 's air conditioning system, which persisted even after the services were supposedly rendered. As a result, I was compelled to return to XXXX XXXX on XX/XX/XXXX XXXX XXXX with the same recurring problem. 

The transactions in question were executed without my informed consent and are an egregious violation of consumer rights. I have diligently attempted to address this matter through Citi Bank 's customer service channels, providing substantial evidence and records of communication with XXXX XXXX. Regrettably, the resolution provided thus far has been inadequate, leaving me financially burdened and utterly dissatisfied with Citi Bank 's handling of the situation. 

I find it deeply disconcerting that Citi Bank has overlooked the glaring evidence presented to them, neglecting to rectify the unauthorized charges and protect its customers from such unjust practices. This incident not only undermines my trust in the institution but also raises concerns about its commitment to consumer welfare and satisfaction. 

I request that the Consumer Protection Agency conduct a thorough investigation into this matter, taking into account all pertinent evidence provided in the enclosed documentation. I urge you to hold Citi Bank accountable for its failure to safeguard its customers ' interests and to enforce appropriate measures to rectify this situation promptly. 

My pursuit of a fair resolution is not only in my best interest but also in the interest of all consumers who deserve the protection and integrity that reputable financial institutions should provide. 

I sincerely hope that the Consumer Protection Agency will act expeditiously and diligently to address this complaint and ensure that consumers like me are treated with the respect and consideration they deserve. 

Thank you for your time and attention to this matter. I anticipate a prompt response and a just resolution to this unfortunate situation. 

Yours faithfully,
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (TN)

This company keeps sending me bills for XXXX XXXX XXXX bill that belonged to me tenant in the upstairs apartment. Not sure how the bill got in my name but they keep harrasing me about it and even put it on my credit report.
Consumer complaint received 2024-04-30
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. (OK)

There is a fraudulent account from XXXX appliances that is fraudulent the credit bureaus are not investigating this account and deleting it the account is for {$1400.00} I also have child support showing on my credit report that is in forbearance that says I have a missed payment which is incorrect this account is for XXXX I have three inquiries that are also fraudulent please delete them also XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please delete these accounts and inquiries
Consumer complaint received 2023-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (VA)

Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It XXXX Concern, I am writing to address the ongoing issue concerning the collection account associated with Comenity Capital Bank, account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. 

I want to emphasize that with the acquisition of this collection account, XXXX XXXX XXXX has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. 

Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. XXXX XXXX XXXX has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. 
Deletion of the account and all associated information from my credit report. 
By upholding the arbitration agreement, XXXX XXXX XXXX demonstrates its commitment to equitable resolution practices. 

Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. 

I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

I purchased a vehicle in XX/XX/XXXX from a dealership and when I purchased it I also purchased XXXX XXXX and a Warranty Contract and Collateral Insurance. In XX/XX/XXXX I broke down while out of town and called the Warranty Company to have the car towed and was told that they could not honor my contract because the company I bought the car from never paid them, That is also when I found out that they suddenly went out of business. About a week later I received a email from a company saying that they were now servicing my contract and said XXXX owed {$24000.00} which is my original contract amount. I have paid all of my payments of {$520.00} and also put {$1500.00} as a downpayment. The new company told me that they didn't have a copy of my contract but wanted me to make a payment. I told them that I wasn't paying them anything until they could provide me with a valadation of debt and copy of my contract and information on the XXXX XXXX and Warranty Company. They sent me a copy of a payment history that did not have any payments on it. I feel they breeched our agreement by not providing the service that they said they would and by not applying any of the payments to my account
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I was encouraged to apply for a special promotion credit card with The Home Depot. ( THD ) card is serviced by Citi Credit Card Services. Under the promotion, payments are due on first of each month, and no interest charged until XX/XX/year>. 

I pay all my bills through my bank, which is XXXX, Bill Pay. Bill Pay guarantees that payment will reach merchant in one day. Payments are paid electronically. 

Some how, payments arrived at XXXX on first, second, or third of each month. XXXX has been unable to explain this situation. 

I did not intend to be one/two days late. 

THD states on their statement that if one is late, there MAY be a late charge. Also, XXXX was charging me {$2.00} month when no interest ( as stated on their statement ) to be charged before XX/XX/year>. 

I want all charges ( late and interest removed from my account.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

On XX/XX/2023 I reached out via phone in an attempt to find a resolution for this account. XXXX XXXX (? ) advised that this account could be settled until XX/XX/2023 for 50 % of the {$750.00} reported balance. 

As this account was incorrectly sent to collections and is a result of fraud, I reached out to the credit bureaus to dispute this. 

On XX/XX/2023, I again spoke with XXXX who advised that they ( being the original creditor, XXXX ) would not authorize a settlement for less than advised. She advised any settlements no in the full value would be subject to remaining on my credit reports as settled for less but would be unable to be permanently removed without full payment. Full payment would also only result in a request to remove as a good will gesture. 

On XX/XX/2023, XXXX advised that she did not advise this and that she asked to extend this settlement amount. I asked to speak to another agent and the line was disconnected. 

Upon calling back, I spoke with agent XXXX XXXX who advised that this account was previously held with a law firm. He advised that he can see multiple dispute attempts but they were denied for being meritless. He advised that XXXX is not the holder of the debt but that they service the debt. His agitation and continued refusal to allow me to simply reiterate his words was condescending and rude. The information provided was contradicting. As their operations closed at XXXX XXXX, he ended the call. 

I am legally severely XXXX XXXX and have several other health concerns. This agency nor the original creditor has made any reasonable attempt to rectify this issue. I feel taunted and have yet to find a resolution for removing this without paying/settling. 

I would like to ask that the CPFB cease allowing this agency to report any information regarding any accounts owned/previously believed to be owned by me. I do not have a contract with this agency and contracts with XXXX were fraudulently entered. 

I look forward to a prompt and positive resolution.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NM)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-01
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. (MD)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 Experian 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, TN. XXXX XXXX XXXX XXXX, XXXX, CA. XXXX XXXX XXXX XXXX XXXX, XXXX, CA. XXXX XXXX XXXX XXXX, XXXX, XXXX, CA. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA. XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses 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 addresses are the result of identity theft and fraud.
Consumer complaint received 2024-05-01
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. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-08-03
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. (CA)

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a repossession from XXXX XXXX XXXX on my credit report 7 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their PHYSICAL POSSESSION on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked to NOT merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting. 

To be clear, I am NOT disputing nor am I looking for validation of the repossession. I AM REQUESTING PHYSICAL DOCUMENTS. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the repossession, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the repossession be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2024-05-01
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is Experian the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I never received any information from the original creditor at XXXX XXXX XXXX XXXX XXXX which I never opened anything with this company to begin with. I was checking my credit report and notice the amount of {$12000.00} was already sent to collections under the company Midland Credit Management. These were fraudulent charges to begin with and I never opened any account with the creditor.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (MI)

in accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, has violated my rights.15 usc1681 section 602 a : states i have a right to privacy.15usc 1681 section 604 a : also statesa consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting. I should receive a {$1000.00} for each incorrect reporting on my credit file.