davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX recently has been calling me and mailing letters to my mothers address regarding a debt from Synchrony Bank. I reached out to this company via email on multi0le occasions furnishing them with a FTC letter pertaining to this fraudulent account. They have ignored the information given and continued to harass me with multiple daily phone calls and letters mailed to an address I have not used in over 25 years.
Consumer complaint received 2024-07-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

I am writing to formally file a complaint against Jefferson Capital Systems for their continued and unlawful reporting of an account on my credit report that is a result of identity theft. Despite my numerous attempts to resolve this matter directly with Jefferson Capital Systems, they have failed to take appropriate action to remove the fraudulent account.

Details of my complaint are as follows : 1. **Account Information** : The fraudulent account being reported by Jefferson Capital Systems .

2. **Identity Theft Proof** : I have provided Jefferson Capital Systems with comprehensive proof that the account is not mine. The documentation includes : - A Federal Trade Commission ( FTC ) Identity Theft Affidavit.

- A police report confirming the identity theft.

- Proof of my identity, including copies of my driver 's license and Social Security card.

- Additional documentation demonstrating that I was not associated with the account in question.

Despite submitting this information, Jefferson Capital Systems has neither removed the erroneous account from my credit report nor provided any response or acknowledgment of my dispute.

# # # Violations of the Fair Credit Reporting Act ( FCRA ) Jefferson Capital Systems ' actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 611 ( 15 U.S. Code 1681i ) ** : Failure to conduct a reasonable reinvestigation of the disputed information within 30 days.

2. **Section 605B ( 15 U.S. Code 1681c-2 ) ** : Failure to block the reporting of information resulting from identity theft within four business days upon receipt of appropriate proof.

3. **Section 623 ( 15 U.S. Code 1681s-2 ) ** : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information.

# # # Demand for Immediate Action I demand that Jefferson Capital Systems immediately : 1. Remove the fraudulent account from my credit report.

2. Provide written confirmation that the account has been removed.

3. Cease any further reporting of this fraudulent account to all credit reporting agencies.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Jefferson Capital Systems to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.
Consumer complaint received 2023-09-27
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. (AZ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (GA)

I did not authorize this debt or know this debt collector, they sent me a letter saying I owe a debt and if I called by XX/XX/XXXX to dispute the charge they would stop all collection attempts until the debt has been verified. I contacted them on XX/XX/XXXX to dispute this claim. They took my personal information and instead of stopping the collections until the debt was verified they submitted the collection to my credit report on XX/XX/XXXX. They constantly harassed me and called my phone.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but XXXX has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. Transunion XXXX and XXXX please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN
Consumer complaint received 2024-06-07
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)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law.

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. 

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 2023-10-26
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: Fidelity National Information Services, Inc. (FNIS) (CA)

see previous CFPB complaint XXXX and attachments. 
Chexsystems created an unwarranted report based only on XXXX banks having merely checked Chexsystems to see if there was information there, ( I had applied recently for accounts at XXXX XXXX and XXXX ). They also gave XXXX an unbelievably low score in the XXXX 's. Then they blocked, ( and are still blocking, see attached ) ) dispute on their portal, ( to evade admissible documentation of such dispute ), telling me to go off record and telephone them. 
After the previous CFPB complaint they sent me in the mail a new report with the XXXX and XXXX XXXX queries erased and a new score in the XXXX 's ( score attached ) but still insist on a Chexsystems report itself being in existence based on mysterious references to ( queries ) They refuse to close the report. 
*Chexsystems counsel please do not include irrelevant obfuscating information in your response, just clear succinct sentences so as not to irritate Senate Banking Committee or Comptroller investigators trying to follow. Please note that lawyering the response to evade correction of the error will simply create another CFPB complaint, and another, and another, and another.
Consumer complaint received 2024-07-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NV)

I left an XXXX because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I paid for for a month we were not there and told, in person that we were moving from XXXX XXXX in XXXX XXXX because we were not safe. After 11 months I see a ding on my credit report, I never received a notification from the XXXX or Allied collection, I paid it the next day, problem is I have to move by the end of the month and not one will rent to me because of the infro on the report. Please help, XXXX XXXX, XXXX,
Consumer complaint received 2024-07-01
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: Nelnet, Inc. (KY)

I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (FL)

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. The account in question is listed below : XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number- XXXX Account name : XXXX XXXX  Account number- XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX  Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXX  XXXX XXXX Account number- XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number- XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states 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 make any consumer report containing any of the following items of information. 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 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Consumer complaint received 2023-08-25
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. (KS)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC (DC)

I received a notice form XXXX indicating they issued a recall in cooperation with the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXXt I owned. Additionally, I was told I would receive a replacement device free of charge. XXXX issues the replacement device but it was defective. I notified XXXX and was told I had to pay {$170.00} to receive another XXXX XXXX XXXX XXXX but would receive a full reimbursement credit to my XXXX account once I mailed the defective replacement device back to the XXXX XXXX in XXXX XXXXXXXX XXXX. I did this and never received the {$170.00} credit to my account. I made a {$79.00} ( confirmation # XXXX ) payment to XXXX for my bill and was told I did not owe XXXX anything by XXXX, customer service representative on XX/XX/2022. Additionally, I closed my account in XXXX 2022. I have been receiving bills that indicate that I owe {$200.00}. 26. After going to the XXXX XXXX XXXX  store to inquire about receiving a bill, I discovered my account had been sent to a third party collector, XXXX  Receivables Performance. I have not received any notice in writing that my account had been forwarded to a third part collector. Moreover, I spoke with XXXX XXXX who asked for my SSN. I am very unhappy with this situation. I do not want XXXX XXXX or anyone to have my XXXX. My account should not have been forwarded to XXXX Receivables Performance and should not have been sent as a collection to the 3 credit bureaus. I am not sure if XXXX Receivables Performance is licensed to do collections in XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NH)

I am writing to bring to your attention the inaccurate information that your company has furnished to consumer reporting agencies. This inaccurate reporting has caused significant damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and housing purposes. 

UPSTART NETW Account Number : XXXX According to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishing inaccurate information is strictly prohibited. The law defines a duty ( a moral or legal obligation ) for furnishers to provide accurate information. The IRS further clarifies that a charge-off is considered gross or ordinary income, which is not to be reported on consumer reports. 

I hereby demand that XXXX ceases and desists from reporting incorrect and inaccurate information immediately. Your duty as a furnisher of information under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the furnishing of information if it is known or reasonably believed to be inaccurate.

Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) prohibits the continued reporting of inaccurate information after notice and confirmation of errors. I have notified you that specific information is inaccurate, and it has been confirmed that the information is, in fact, inaccurate.

Continued reporting of this inaccurate information constitutes a clear violation of the law and has caused severe harm to me and my family. This letter serves as a final opportunity for UPSTART NETWORK INC. to cure and delete this erroneous account from my consumer reports.
Consumer complaint received 2023-08-25
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)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX account # XXXX {$630.00} Account ID : 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 XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )