davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint against Jefferson Capital System Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Jefferson Capital System for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** Jefferson Capital System has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Jefferson Capital System ceases such practices immediately. 

4. **Failure to Provide Disclosures : ** Jefferson Capital System has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by Jefferson Capital System , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Jefferson Capital System and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Jefferson Capital System. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Service Finance Company LLC XXXX Service Finance Company LLC is erroneously and negligently reporting late monthly payments and fees on my paid-off account XXXX XXXX. The account was paid in full on XX/XX/XXXX and shows a XXXX balance due as of XXXX, however, 3-months after the account was paidoff, XXXX added a charge of XXXX ( XXXX XXXX  ) on my account without my knowledge. The XXXX went unpaid ( since I was unaware ) and XXXX added late fees and charges until their XXXX balance ballooned to {$56.00}! Additionally they reported late payments on my credit report and as a result of their negligence, my credit score dropped significantly causing me hardships in trying to acquire new credit lines, all over a XXXX charge applied 3-months after the account was paid off! This account was opened in XXXX and was never reported late until 3 months later of being closed. 

So based on these facts I demand that XXXX immediately remove the negative tradeline being reported in my credit report so that my credit score stops being negatively affected by t heir negligence. 

Sincerely XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This debt collection company " Columbia Debt Recovery LLC, dba Genesis '' has continued to contact me after receiving a written notice to stop. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Columbia Debt Recovery LLC, dba Genesis, sent me an email on Fri, XX/XX/XXXX, XXXX XXXX, claiming that they are trying to collect a debt that I owe to " XXXX  ''. 

On Thu, XX/XX/XXXX, XXXX XXXX, I disputed this claim with a NOTICE OF DISPUTE by responding to the email address within the original email : XXXX In the NOTICE OF DISPUTE email, I stated verbatim, " If you have good reason to believe that I am responsible for this debt, email me the documents that make you believe that. Stop all other communication with me and with this email address, and record that I dispute having any obligation for this debt. '' Then on Mon, XX/XX/XXXX, XXXX XXXX, Columbia Debt Recovery LLC, dba Genesis, sent me an email offering me a " Price Reduction & Offer of Settlement '', without sending me any documents.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (TX)

Im a victim of identity theft. The fraudster was able to login to my Robinhood stocks account, sell my stocks are transfer the money to a fraud bank account totaling {$3200.00}. They were able to do all of this on XX/XX/XXXX. I immediately contacted robinhood on XX/XX/XXXX because I was locked out of my account. I had them investigate this matter multiple times and nothing was done on their end. They state that they will reimburse unauthorized charges on your account but thats not the case. They are refusing to help me even though Ive answered all their questions and sent in documentation showing this was not me.
Consumer complaint received 2024-10-03
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. (TN)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Per this complaint XXXX the response to this complaint is not answering my complete I need to talk to LIVE PERSON AND CAN NOT GET TO A LIVE PERSON. I don't need no credit report, I need help with fraud and I there phone line want let you talk to a live person and the answer they are putting on my compliant is nothing that I need I need to talk to a live person about my problem. I not asking for what they are responding to my compliant.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-10-03
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)

The dispute has been open for several months, and despite providing all necessary proof, including an identity theft report and, they still haven't removed the account. I am now requesting the full removal of this account from their system and all three of my credit bureaus. I had no other option but to submit a CFPB report
Consumer complaint received 2024-10-03
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. (NY)

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.

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 2024-10-03
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. (MA)

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

On XXXX i sent XXXX XXXX a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Consumer complaint received 2024-10-03
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. (TX)

Several disputes have been mailed out to Experian, XXXX and XXXX and they are not investigating or responding back, and I will like this investigation to be done asap. 

All of my dispute requests have been ignored. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so it is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. I want the derogatory accounts deleted. 

My file is attached for your review.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

PLEASE REMOVE ALL UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT WHICH INCLUDES XXXX CARD ON XX/XX/XXXX, XXXX XXXXXXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. XXXX. 

THANKS
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OH)

XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Walmart : The following account is reporting negatively on my credit reports by Walmart and the accounts question has never been late. If you notice the first Walmart credit was opened on XX/XX/XXXX by XXXX and it was reported as closed/never late. It was transferred to Capital One in XX/XX/XXXX with an updated status as of XX/XX/XXXX. I wish to save us both some time and effort by having the late payments and settling this debt. 
I want you to know that I understand my financial obligations, and if it werent for medical circumstances that caused you to miss a payment, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive had a spotless record of on-time payments. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am provided information showing that the accounts have not been late since XXXX. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XXXX. 
Thank you for your consideration, and I hope youll approve my request. 

Sincerely
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I recently reviewed my credit report and noticed and account not reporting accurately. I have late payments showing for an account I was on time for. The consumer credit reporting agency need to report all inforwith complete accuracy. I have attached a copy of the inaccurate report. Account # XXXX ( XX/XX/2022 ) I'm now requesting an investigation on this account and understand the these payments to paid on time. Thank you for your prompt actions.i have attached screenshots to show the inaccuracy.
Consumer complaint received 2023-12-14
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. (LA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX 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.