davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (NC)

Dear Sezzle Inc., I am writing to formally request the closure of my account with Sezzle Inc. and the removal of any related information from my credit report. Below are the details of my account : Account Information : Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$520.00} Current Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Usage : 0 % Account Status : Open ( Status updated in XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Highest Balance : {$320.00} Payment History : XXXX : XXXX ( 30 days late ) XXXX : XXXX ( 30 days late ), XXXX ( XXXX, 60 days late ), XXXX ( 90 days late ), XXXX ( 120 days late ), XXXX ( 150 days late ) XXXX : None XXXX : None I have noticed that despite the account being open, I am barred from making any purchases. Given this situation and the fact that the balance is currently XXXX, I would like to request the following actions : Closure of the Account : Please close my account immediately. 
Removal from Credit Report : Kindly remove all records of this account from my credit report. The continued presence of this account on my credit report is not reflective of my current financial status and is negatively impacting my credit score. 
I appreciate your prompt attention to this matter. Please confirm once the account has been closed and the necessary updates have been made to my credit report.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Portfolio Recovery. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity.

808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice.

818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes.

Given the lack of documentation and absence of a contractual agreement, the actions of Portfolio Recovery are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with the IC Systems XXXX 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice. 
818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. 
Given the lack of documentation and absence of a contractual agreement, the actions of IC Systems XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX appear to be in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

The debt collector applied a collection account to my credit report and I explained to them this debt did not belong to me. I have never lived at the address. The agency is engaged in deceptive, unfair practices which is in direct violation of the FDCPA policies
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/year>, I received an email alert informing me of a suspicious account through Barclays. I logged into my credit monitoring service and found that a new Barclays/Banana Republic credit card was applied for on XX/XX/year>. I have not applied for any Banana Republic credit cards so this was concerning. I Immediately called Barclays and they told me they would not be able to give me any information about the account but mentioned it was opened somewhere in XXXX but would not say where in XXXX it originated until 24-hours passed. Afterwards, I froze my credit at all agencies. Today, I logged back in and XXXX notified me of a {$990.00} balance on that fraudulent Banana Republic credit card account. I called Barclays again and they would not provide a case number or where it originated in Florida again. Today, the first representative I spoke with said they would close the account as it is fraudulent and I did not open the account. I asked them to email me confirmation of account closure so that I could submit to XXXX and after initially saying they would send an email, they retracted that statement and said they can not send me a confirmation email. Now, XXXX, I attempted to call Banana Republic customer service to provide notice and was routed to Barclays. After speaking to a new customer representative, they notified me that the account I called about earlier in the day was not closed and a brand new account was opened without my authorization by the previous Barclays representative. Per the most recent representative, I now have two fraudulent accounts opened : one through banana republic somewhere in Florida and another one opened by Barclays without my authorization. They said they can close the first one due to fraud but I would have to call post-24-hours of the new one opened by Barclays to close this new account opened without my permission. I requested to speak to a manager/supervisor and none were available and was told conflicting information regarding the new account opened without my authorization by Barclay 's . While I did not receive a case number, I was given representative ID # 's XXXX and XXXX. Given the multiple mistakes across multiple levels, I remain concerned regarding their credit verification process and duplication of accounts without permission. I have submitted a report to FTC and a credit dispute through XXXX. I just moved to XXXX, XXXX, from XXXX, XXXX, so this is concerning and transparency by Barclay 's is not available with written documentation.
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EARLY WARNING SERVICES , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have Never opened or used the following account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (MD)

I had a mortgage with Wells Fargo during period described in the XXXX XXXX law suit and was never notified. They may have tried with an old email but I should have received notification in the mail and I did not. My mortgage was with them during the timeframe identified XXXX to XXXX ( it was around XXXX ). 


Wells Fargo XXXX XXXX XXXX XXXX Was wondering if I should contact them or to go through your ageny?
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CA)

I sent a letter to this company requesting that they verify that the debt is actually mine. I requested a copy of the original contract, the chain of custody of this debt and a copy of the purchase agreement verifying that the debt was sold. Additionally this collector is no longer reporting on my credit, why are they calling to collect on debt that is not on my credit report? I have no idea who they are collecting for, they failed to provide proof and validate the debt.
Consumer complaint received 2024-05-02
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. (NY)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (MI)

I am reaching out once again to follow up and seek resolution on fraudulent activities that have adversely affected my credit report. After filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies ( CRAs ) must remove any fraudulent entries documented in an identity theft report. My report 's reference number is XXXX. Enclosed, please find the necessary documents aimed at facilitating the removal of inaccuracies, specifically erroneous personal information and inquiries falsely associated with my credit report. Below is a detailed list of these unauthorized items, categorized by credit bureau : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. In accordance with FCRA Section 605B ( a ), I request the immediate removal of these items, as they are the result of identity theft. This request is made within the rights provided by federal law, expecting action no later than four business days from the date of this notice.
Consumer complaint received 2024-05-31
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. (CO)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-02
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (SC)

XXXX XXXX falsified the dates of the loan. I put in a dispute with the credit bearau in which they did an investigation and it was removed from my credit report. 
Then XXXX XXXX reported it again this year but this time they made the dates more recent. When I disputed it again the credit bearau reported it as accurate. Even though it clearly showed that the dates were changed to fit within the statue of limitations.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to formally dispute the inaccurate information regarding one of my credit accounts that is being reported inconsistently across the three major credit reporting agencies : XXXX, Experian, and XXXX. Specifically, the discrepancies pertain to : * The date the account was opened * The last reported date * The date the account was last active These discrepancies are causing significant confusion and are impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ). 
The FCRA also mandates that any information that can not be verified as accurate must be removed from the consumer 's credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Given the inconsistent and incorrect reporting of the aforementioned dates, I request that this account be thoroughly investigated. If the inaccuracies can not be verified and corrected, I demand that the account be deleted from my credit report to comply with the FCRA 's requirements.
Consumer complaint received 2024-05-02
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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