davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-30
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. (WA)

Experian finished their investigation in to my Identity theft and XXXX students that i did NOT take out. Experian 's conclusion is " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' No process or documentation in to the investigation was provided. 

I did NOT take any student loan out with XXXX or XXXX XXXX XXXX XXXX option is legal. No recourse to appeal. I am guilty until proven innocent. 

I will not pay these loans back.
Consumer complaint received 2024-05-02
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)

Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.
Consumer complaint received 2023-08-02
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. (CA)

I sent in my police report and my FTC affidavit to the three XXXX, XXXX XXXX and Equifax to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.
Consumer complaint received 2023-08-02
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. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-01
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. (DE)

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.

has violated my rights. Or 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 2024-06-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (TX)

Subject : Dispute of Invalid Collection Account Reported by National Credit Systems I am writing to formally dispute the validity of a collection account listed on my credit report. Despite multiple attempts to contact National Credit Systems via mailthree of which were returned to XXXX have been unable to resolve this matter. Furthermore, when I contacted a representative from National Credit Systems on XX/XX/XXXX, I was informed that she was not authorized to provide me with their mailing address. I subsequently spoke with the manager responsible for my collection account over the phone, but he was unable to assist me. 

Details of the Disputed Account : - Debt Collector : National Credit Systems - Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - **Amount : {$5500.00} I believe this account violates both federal and state laws regarding debt reporting and the applicable statute of limitations. 

Although, the Consumer Financial Protection Bureau ( CFPB ) oversees the enforcement of federal consumer financial protection laws, while state governments have their own laws and regulatory bodies that may also govern contracts and debt collection practices within their jurisdictions. 

Under the Fair Credit Reporting Act ( FCRA ), any negative information reported by a collection agency must be accurate, timely, and verifiable. Section 605 ( a ) ( 5 ) of the FCRA stipulates that a collection account may only be reported for a maximum of XXXX years from the date of delinquency that led to the collection activity. However, my credit report indicates that the date of delinquency for this account exceeds the applicable statute of limitations for debt collection in Texas. 

In Texas, the statute of limitations for debt collection related to an apartment lease is XXXX years, as per the Texas XXXX XXXX, XXXX XXXX. Given that the date of delinquency for this account is from XX/XX/XXXX, it should no longer be reported or collected upon. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that this account is removed from my credit report. Additionally, I ask that National Credit Systems cease all collection activities on this invalid debt. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NC)

I hope this letter finds you well. I am writing to bring to your attention a matter of urgent concern regarding my account with Navy Federal. 

On XX/XX/year>, my Navy Federal account was subject to fraudulent activity through XXXX. Upon discovering the unauthorized transactions, I took immediate action by contacting Navy Federal to report the incident. Your prompt assistance and support in addressing this issue were greatly appreciated, and I commend your team for their professionalism and responsiveness during this challenging time. 

However, I am now facing a situation where my account remains closed, presumably due to ongoing legal proceedings involving Navy Federal and the Equal Credit Opportunity Act ( ECOA ). While I understand the importance of compliance with all relevant laws and regulations, I respectfully request the reopening of my account. 

I assure you that I have always been a responsible and loyal member of Navy Federal, and I have never engaged in any activity that would jeopardize the integrity of my account or the reputation of the institution. I believe that I have demonstrated my commitment to Navy Federal over the years, and I sincerely hope that you will consider my request for the reinstatement of my account.

I am more than willing to provide any additional information or documentation that may be required to facilitate the reopening process. Please do not hesitate to contact me at your earliest convenience to discuss this matter further and to provide me with an update on the status of my account. 

Thank you for your attention to this matter. I look forward to a swift resolution and to continuing my banking relationship with Navy Federal.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (FL)

RE : CEASE AND DESIST SECURITY CREDIT SERVICES currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX, XXXX. ( 1995 ). XXXX 's XXXX XXXX ( XXXX XXXX. ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as as follows Security credit services within 30 days from receipt of this notice. 
By : Shericka-D : Brown without prejudice
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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: General Motors Financial Company, Inc. (IL)

I have a number of credit inquiries on my credit reports XXXX & XXXX on XXXX, a few are from the same company on the same day. I didnt not gave permission for this to happen. When I called companies I was told my address doesnt match.
Consumer complaint received 2024-06-21
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. (DE)

This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) due to ( 7 ) accounts were verified that I disputed because Experian PUBLISHED/FURNISHED these accounts illegally without my written instructions. This is a blatant violation of FCRA 602 which states I have a right to PRIVACY and FCRA 604 ( a ) ( 2 ) states that a CREDIT REPORTING AGENCY namely ( EXPERIAN ) can not FURNISH an account without my WRITTEN INSTRUCTIONS This is NOT a request for another REINVESTIGATION nor for another REVERIFICATION!

This is a request for ALL the records that will reveal the procedures used that led to the ( 7 ) accounts to be verified.I gave NO Permission or any type of Consent to Experian for these accounts to be furnished on my Experian credit report. Therefore, I gave NO written instructions and ALL ( 7 ) accounts should be REMOVED!

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that I have a right to receive a description of the procedures used that led to the accounts to be verified along with the names of the person ( s ) you spoke with along with their names, address and telephone numbers that I should receive from Experian in 15 days.I disputed the accounts via CFPB # XXXX on XX/XX/XXXX. The results information is showing on Experian Report XXXX Date Generated XX/XX/XXXX and Experian Report XXXX Date Generated XX/XX/XXXX. 
( Screenshots Attached ) show the accounts were verified and still appear on my Experian report ( s ) currently. 
Again this is NOT a request for a REINVESTIGATION nor a REVERIFICATION. 
Send me the information that I am requesting in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 days in accord with this LAW or delete the accounts listed below due to lack of verification. 

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 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Tally Technologies (IL)

I have emailed Tally several times ask for an itemized list of all of my payments and interest combined. They have yet to provide and accurate breakdown. They only communicate via email and although you request a call back they never call. 

They have failed to provide me a signed contract. The contract provided only shows date no initials or signature. They also paid a credit card that was closed and charged me {$3000.00} without my permission and now I can not get my money back from the company.
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. (GA)

XX/XX/2024 I demanded re-investigation of Fraudulent accounts that experian validated without any written proof accounts were not mine This is clear violation of XXXX title XXXX XXXX ( a ) ( b ) .and ( c ) Duty to provide valid and accurate information And real investigation with actual documentation
Consumer complaint received 2017-08-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Experian Information Solutions Inc. (GU)

Date : XX/XX/XXXX Authorization Request Reference XXXX This is a authorization from me. I, XXXX XXXX authorize the person or the company to proceed and continue working on this matter above. This my complaint below. YOUR COMPLAINT AFFIDAVIT I, XXXX XXXX, the petitioner, witness, and representative for my wife XXXX XXXX stated that, I had P.O.A was uploaded on the complaint # XXXX by me including my driver 's license my wife 's ID card and copy of her social security number. I also stated that, I assist my wife because of her limited English and knowledge of our dispute with these credit bereua including, XXXX, XXXX XXXX, Experian, especially, the XXXX XXXX XXXX here on XXXX has had the major problem issue to report to the tree Credit companies above reported our incorrect social security. I do n't know if I made mistake, I can not locate the Complaint number above. I request the CFPB to send the POA including my diver 's license and the copy of my wife 's social security and her ID card to the 3 credit companies above to fix the incorrect information spell of her first name with XXXX, and to fix the last 4 digit of her social security including her last name if there is any inaccurate personal information with XXXX XXXX, and Experian as well. The spelling of her last name with Experian ( XXXX ) the correct is XXXX. the correct of her last for digit of her S.S. XXXX. I also request the 3 credit companies to fix my wife 's personal information so she will able to get better score on her FICO score Sent to company Status Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. Authorization needed Status Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed
Consumer complaint received 2022-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PR)

On XX/XX/XXXX sent certified letter to LVNV Funding LLC to validate account and provide information on this account. They acknowledged receipt of this letter on XX/XX/XXXX signed by XXXX XXXX. Until this day, 4 months to be precise, I have not received any communication validating this account. I am enclosing the letter sent to LVNV Funding LLC and acknowledge receipt card.
Consumer complaint received 2022-11-13
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)

I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
XXXX  Account XXXX account Bank XXXX XXXX account XXXX account XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (PA)

In accordance with the fair reporting act XXXX the accounts below has violated my rights Account name : date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$490.00} Account name : date : XX/XX/XXXXXXXX XXXX XXXX  XXXX {$11000.00} Account name : date : XX/XX/XXXX XXXX XXXX XXXX # XXXX {$0.00} XXXX date : XX/XX/XXXX # XXXX {$390.00} XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  date XX/XX/XXXXXXXX XXXX XXXX {$570.00} ACCOUNT name : XXXX  date : XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.