davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a XXXX collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of XXXX legal standards pertaining to credit reporting and consumer privacy : XXXX. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
XXXX. **Failure to Furnish Form XXXX : The collection agency has also failed to provide me with a copy of Form XXXX concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
XXXX. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
XXXX. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer. 
XXXX. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (NY)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-04-19
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. (MO)

Despite multiple attempts to address this issue, the fraudulent entries persist, posing a significant threat to my financial well-being and reputation. 

I am reaching out for the sixth time to request your urgent attention to this matter. It is imperative that these fraudulent items are promptly removed from my credit report to ensure the accuracy and integrity of my credit history. 

I kindly request an update on the status of my requests and urge you to prioritize the removal of these fraudulent items without further delay. Your prompt action is essential in resolving this issue and restoring confidence in the accuracy of my credit report. With this, I am asking for your assistance to remove these fraud items in my credit 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
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-19
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. (SC)

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 Account Number : XXXX Account Name : 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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WV)

I file this complaint to respectfully request that my two XXXX XXXX accounts be added back to my Equifax credit report. These accounts do not appear on my report which is adversely impacting my XXXX score. One such account is my XXXX XXXX XXXX credit card ending in XXXX. This account was opened in XXXX and is current and in good standing. The other account is my former XXXX XXXX XXXX credit card ending in XXXX, which I opened in XXXX and closed in XXXX. I am unsure why these accounts were removed from my Equifax credit report. I attempted to resolve these issues with XXXX XXXX directly through a prior complaint with the CFPB. However, XXXX XXXX put the blame on Equifax. I have attached Capital Ones response to my CFPB complaint, my Equifax credit report, and my ID, social security card and recent utility bill. Please coordinate with XXXX XXXX to restore these accounts to my Equifax credit report.
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: EQUIFAX, INC. (NJ)

The items listed below are reported on my 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

Consumer Financial Protection Bureau Complaint Subject : Violation of Debt Collection Practices by Midland Credit Management I am filing this complaint against Midland Credit Management for multiple violations of federal debt collection laws as outlined below. 

1. Failure to Provide Validation Information : Midland Credit Management has not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) before placing a collection on my consumer report. According to the regulation, the debt collector must provide certain information about the debt and the consumer 's rights before or shortly after placing the collection on the consumer 's credit report. Midland Credit Management 's failure to comply with this requirement has negatively impacted my credit score and financial well-being. 

2. Denial of Dispute Rights : I was not given a chance to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This regulation mandates that consumers must be given a clear and understandable statement of their right to dispute the debt within 30 days. Midland Credit Management did not provide this opportunity, thereby violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

3. Use of Deceptive Practices : Midland Credit Management has used false, misleading, and deceptive means in their debt collection efforts, violating my consumer rights. These actions are prohibited under the FDCPA, which aims to eliminate abusive and deceptive practices in the collection of consumer debts. 

4. Unauthorized Reporting to Consumer Reporting Agencies : The collection agency has furnished information about my account to consumer reporting agencies without providing all the disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). These laws require that all necessary disclosures be provided to the consumer before any information is reported to the credit bureaus. 

Dispute and Communication Revocation : I dispute owning any and all debts to Midland Credit Management. Additionally, I hereby revoke all rights of Midland Credit Management to communicate with me through email, text, or phone calls. Any future communication attempts through these channels will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX : {$30000.00}
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc (AL)

on XXXX sent a debt validation letter through certified mail to the address on the emails they sent, letter was signed XX/XX/XXXX at XXXX by XXXX XXXX XXXX No documents were sent to me showing that I owe the amount. The collection company has continued sending emails trying to collect XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email was sent by XXXX XX/XX/XXXX - email sent by XXXX XXXX - email sent by XXXX XXXX - email sent by XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I open a credit card account with FIFTH THIRD BANK in 2018. The account was charged off for {$260.00} past due and {$120.00} was written off on my XXXX credit profile act # XXXX. But on my XXXX credit profile act # XXXX The account was open in 2018 and date of delinquency was XXXX XXXX and charged off. I set up payment arrangements to pay the debt off and so far I have paid XXXX payments for a total of {$160.00}. I spoke to a FiFTH THIRD BANK representative in the recovery department on XXXXand the agent advised me the balance is still {$260.00}. And that it was charge off and not written off for the amount {$120.00}. She said that account is reporting inaccurate.So I called back on XXXX and spoke to a different agent and this agent advised me that they are charging me interest and fees.I was never told of this amount and they keep giving me different information.I ask for a supervisor to call me and the agent kept saying the supervisor is going to tell me the same thing and u said you dont know what the supervisor going to say.I ask could they wave the interest and fees the agent said no.But I have been a long time customer for many years.I cant get accurate information and I want the account deleted.Also the agent offer me a settlement for {$200.00}. And I said well I already paid {$160.00}. and I would only owe {$40.00} the agent said it doesnt work that way and he cant put a settlement on top of what I have already ready paid. So the {$160.00} I already paid they will keep and if I do the settlement of {$200.00}. Then they will show the account paid .That would be a total of {$360.00}. I would have paid.This is way to much and not a settlement but I feel like I am being misled and paying additional amounts verse what I am supposed to pay according to the XXXX credit agent who I file a dispute regarding this matter.
Consumer complaint received 2024-08-10
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (IL)

I am a class member of the Sweet v. Cardona Borrower Defense to Repayment lawsuit. I was notified via email by the U.S. Department of Education on XX/XX/XXXX that I was granted a discharge of all federal student loans used to attend a for-profit school. I learned in XXXX of XXXX that Navient, holder of my private loans, offered a possible relief program if a borrower attended a school where misconduct was committed or a lawsuit was brought against the school. I owe about {$7000.00} on XXXX private loans and submitted the XXXX XXXX XXXX application, following all of Navient 's instructions. I also submitted all the documents I had to support my claims and complete all sections of the application. I received an email notification on XX/XX/XXXX that my application had been received and was under review. On XX/XX/XXXX, I received XXXX emails from Navient and each one stated that the " XXXX XXXX XXXX application is denied ''. I contacted Navient by email and asked for an explanation as to why my application was denied and how soon I could reapply. I was told I could submit other supporting documents, but I already submitted all that I had, including the letter from the XXXX Department of Education stating that my federal loans had been XXXX. That letter included the name of the school I attended, which matches the name of the school on all three loans held by Navient. I received a letter from Navient dated XX/XX/XXXX that was vague and did not give a reason why my discharge application was denied.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (DC)

After checking my credit report, I noticed a collection account from this collection agency. I never received a written notice or a phone call about this debt. I filed a dispute, and the collection company claimed it was a valid collection but never provided any documentation. I contacted them by phone and requested written confirmation of the debt to be sent to my address. Instead of listening to me, the representative I spoke with was extremely rude and began yelling at me. I never received written confirmation or any proof of this debt. To this day, I have no idea who the original creditor was or what the debt is for. If the collection agency can not provide written documentation proving that this debt is mine and detailing what it is for, I want it removed from my credit report.
Consumer complaint received 2024-06-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I had this conversation with a representative of the Net Credit customer service department on XX/XX/year>. When I asked why I was being charged 65 % interest, they said that it was because of my XXXX  financial status and that I was a high risk. 

I was then told that the only option I had was to refinance to obtain a smaller interest rate of 35 % instead of 65 %. They transferred me to customer service. The customer service representative asked me to go online to my account. She said that I should look for a red button on the home page that would indicate that I was " eligible '' for consideration for a lower rate. I could not see such a red button on my account home page. The representative said " I am sorry, but there is nothing we can do to help you. '' I am XXXX XXXX XXXX. I am still XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I can not maintain my home with only my social security. I realize my responsibility to repay this loan of {$5000.00}, but at 65 % interest, it will cost me over {$14000.00}. This is not just " high '', it is " predatory '' in the extreme.
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Torriere Holdings INC (VA)

I took out a loan with XXXX and was unable to continue making payments on the loan. As of XX/XX/year> the account was reported as closed with a balance of {$0.00}. Spire Recovery Solutions has been contacting me to collect this " debt '' but I have not signed or received any formal proof containing a wet signature that I owe this debt and would like it removed from my credit accounts.
Consumer complaint received 2024-08-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (NC)

After I canceled my XXXX phone and internet service, I later received a letter from XXXX XXXX stating that I owe {$230.00} to XXXX. I sent them a dispute letter ( attached ) and never received a response. I still do not know exactly what this amount is for. I paid my outstanding bills for service. I am now currently disputing a derogatory remark on my credit report from XXXX XXXX XXXX, which I didn't recognize. When I called, they then referred me to Maury Cobb Attorney at Law. All of this appears to emanate from XXXX. I find these business practices opaque and, quite frankly, bordering on fraud. 

I tried to return outstanding XXXX  equipment to the local XXXX store in my area ( XXXX, NC ) . The day I went to return it, the customer service representative told me I had XXXX XXXX XXXX minutes to another location to return it, which I refuse to do. This is also stated in my dispute letter ( attached ). In addition, I have stated my concern to XXXX customer service representatives via phone.
Consumer complaint received 2024-08-14
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. (CA)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate ; XXXX XXXX Acct # XXXX