davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Dear PORTFOLIO RECOVERY ASSOCIATES LLC I am writing to formally dispute the debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and in light of the recent ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am requesting detailed validation of this debt. 

The XXXX XXXX XXXX XXXX XXXX XXXX case established important standards for debt collection practices, particularly emphasizing the need for clear and accurate documentation of the debt, including the original contract and any assignment agreements. Given this ruling, I request that you provide the following : Proof of the Assignment Contract : Provide a complete copy of the assignment contract or any other legal documentation that shows your right to collect this debt. The court 's decision in GREEN highlights the necessity for debt collectors to have a valid and legally binding assignment.

Verification of the Debt : Please provide a detailed accounting of the debt, including the original creditors name, the original amount, a breakdown of any interest and fees added, and the date of the last payment.

Documentation of My Liability : I request copies of any agreements, contracts, or applications bearing my signature that pertain to this debt.

In accordance with the FDCPA and the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, please cease all collection activities until this debt has been properly validated. I expect a written response within 30 days, as per the legal requirements.

If you can not validate this debt, I request that you stop all collection efforts and remove any negative information you may have reported to the credit bureaus. Please communicate with me only in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
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. (OH)

XXXXInquriesXXXX  All of these inquries have been totally illegal and was not authorized on my part. I just hired a credit specialist to work on my credit and I need to have all of these removed as soon as possible. All these inquiries were from car dealers and I have never applied to anyone of these dealers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (NY)

**Reason for Request** In 2019, I encountered significant financial challenges due to the XXXX pandemic, which impacted millions of individuals in New York and across the country. The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, which amended the Fair Credit Reporting Act ( FCRA ), mandates that accounts affected by the pandemic and related payment deferrals should not be reported negatively on credit reports. 

1. **Protections under the CARES Act** : This legislation requires that payment deferrals due to the pandemic should not adversely impact credit reports. However, my credit report inaccurately reflects late payments and a vehicle repossession, failing to account for these legal protections. 

2. **Vehicle Repossession** : My vehicle was repossessed in 2019 without proper notification or authorization. According to New York Uniform Commercial Code 9-609, strict procedures govern vehicle repossession. If these procedures were not properly followed, the repossession may be deemed unlawful. Additionally, the New York Consumer Protection Law mandates specific standards for vehicle repossession to protect consumer rights. 

3. **Additional Details** : The original balance was {$17000.00}, and I owed {$5600.00}. Despite having paid {$11000.00}, my vehicle was repossessed and sold by the creditor, who retained all proceeds from the sale. I did not receive any portion of the sale proceeds. My credit report still reflects late payments and repossession, which does not accurately reflect the payments made or the circumstances surrounding the sale of the vehicle. 

**Request for Action** Given that the account and related events occurred in XXXX, a year heavily impacted by the pandemic, I request a thorough review of the information on my credit report. The negative information related to late payments and repossession should be removed in accordance with the protections established by the CARES Act and the New York Consumer Protection Law. 

I trust that this matter will be resolved fairly and promptly, considering the exceptional circumstances of 2019 and the relevant legislation. Thank you for your attention to this issue. I look forward to a favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-02
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)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX  XXXX.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX, XXXX, Transunion are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, Transunion, and XXXX. The following documentation is provided from the original creditor of the payment and therefore XXXX, Transunion, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MS)

PROCOLLECT INC This third-party collection company received my credit information from the original company without my permission please refer to law below 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.The Eleventh Circuit first examined whether the plaintiff had Article III standing to sue, looking at whether a violation of 1692c ( b ) of the FDCPA gives rise to a concrete injury.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (OR)

On XX/XX/year>, I submitted an application to consolidate my federal student loans. Before this, I was on the SAVE plan since I am also qualified for PSLF through my employer. On XX/XX/year>, I also resubmitted a SAVE IDR application to make sure I stayed in the SAVE program after consolidation.

I have been placed on an administrative forbearance by MOHELA. They are actively charging me interest. They have stated my SAVE IDR application would not be backdated meaning I am responsible for the interest I have been charged while on administrative forbearance. Had they processed my application, then I would have been qualified for the SAVE
Administrative Forbearance. This whole process has made me regret ever consolidating.

On several conversations with MOHELA agents, I have been told that they didn't even receive my SAVE IDR application or that it doesn't count or that they did receive it but I would need to be held responsible for all interest accrued until they're able to process and would not be backdating to my SAVE IDR application date.

I have {$200.00} interest accrued on my subsidized consolidated loans and {$750.00} interest accrued on my unsubsidized consolidated loans.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX Dear XXXX, I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-19
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. (NV)

It appears that my credit with you has been compromised. While reviewing my records, I noticed several files that do not belong to me. Upon further investigation, I discovered that under Section 605B of the FCRA, you are legally required to remove and delete these items that have been opened as a result of identity theft. The disputed items are not mine. I am attaching the necessary FTC Report, along with the bank 's records, which I learned are required by both parties. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KS)

Credit limit was supposed to be XXXX limit was changed to XXXX without any reason or notice how I found out tried to make in store purchase was denied in front of a lot of customers cashier said I was over limit I said that's not possible my limit is XXXX she check to make sure n that was the case felt embarrassed and humiliated because of this changed I was over my credit limit getting charged fees and late payment including interest fees which was supposed to be waved for 12 months until XX/XX/year> on top of that it's ruining my credit worthiness debt to credit is bad being reported over limit and late payment because of the change the company made without notification this action has caused hardship on me n my family would like company to resolve this issue and remove all negative issues from my credit reports and reimburse me for late payment 's and interest fees that wouldn't be there if not will seek legal representation for a lawsuit claim
Consumer complaint received 2024-08-01
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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IA)

Asked for copies of attempted transactions for police department. Advised I was not entitled as it was not my " credit ''. - my name my credit score. After card was cancelled, they continued to allow additional transactions to go through but kept telling me it was okay because I wasn't liable. I had changed my card number but because the card hadn't cancelled her as an auto biller, they gave her my new card number without my permission.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-01
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IN)

After searching more for XXXX XXXX, they don't even exist anymore. A representative for XXXX XXXX at XXXX has stated that XXXX XXXX doesn't operate anymore. National Recovery Agency is trying to collect on something that doesn't exist as the representative also said that any XXXX XXXX were XXXX balanced out. If National Recovery Agency can't produce the orginal documents for the " alleged '' loan with XXXX to validate, then they must stop collecting and remove the file from the credit reports.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one credit card opened and has an active balance on XX/XX/2024. Never opened or have opened a capital one credit card. 


Card is showing up on my XXXX XXXX credit report along with my XXXX XXXX credit report XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was shocked to find unfamiliar accounts on my credit report this afternoon, with no idea how they got there. I check my report frequently, and everything had been in order, so this sudden issue threw me completely off guard. I refreshed my browser, hoping it was just a glitch, but the inaccuracies remained. I would really appreciate it if my documents could be carefully reviewed so that I wont have to deal with this stress again.