davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

Cease and Desist Harassment and Dispute of Account Dear Aldous & Associates, P.L.L.C., I am writing to dispute the validity of the account referenced below and to demand an immediate cessation of all harassment related to this matter. 

Account Number : XXXX Agreement with : XXXXXXXX XXXX  Current Balance : {$300.00} I refute the validity of this debt for the following reasons : 1. Lack of Notification : I have not received any prior notification regarding the overdue amount owed to XXXX XXXX. As per legal requirements, creditors are obligated to provide written notice to the debtor prior to escalating the matter to a third-party collection agency. Failure to provide such notice constitutes a violation of my rights. 

2. Harassment : I have been subjected to continuous and harassing communications from your agency regarding this debt. Despite my requests for validation of the debt and verification of your authority to collect, these communications have persisted, causing undue stress and harassment. 

3. Request for Removal : I hereby demand the immediate removal of this account from my credit report. Given the lack of proper notification and the harassing nature of the communications, I assert my right to have this account deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

In light of the above, I demand that all communications regarding this debt cease immediately. Furthermore, I request that Aldous & Associates, P.L.L.C. take immediate action to investigate and rectify the violations outlined herein, including but not limited to the removal of the account from my credit report. 

Please be advised that any further attempts to collect on this disputed debt or any continuation of harassing communications will be met with appropriate legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I might consider suing your company because you're not fixing the frauduelnt account on my credit report, breaking the law ( Fair Credit Reporting Act ). XXXX agreed to remove this account because they know that this account is fraudulent. See attached.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

There is a negative mark on my credit report from this UNKNOWN entity. I do not owe this entity money. It shows I have a balance of {$850.00} but I do not know either of the listed companies.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, The credit bureau is stating inaccurate information on my student loans which has drastically caused my credit score to decline. The account is stating that I have been 120 days late on my report but I have been in an active forbearance with the servicer. No payments are past due and are at XXXX for payments. These late payments are inaccurate and should be deleted immediately.
Consumer complaint received 2024-05-30
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: STATE EMPLOYEES CREDIT UNION (NC)

I am writing to follow up on my previous correspondence dated XX/XX/year>, wherein I submitted both a formal complaint and a dispute letter to XXXX regarding the erroneous reporting of a charge off on my accounts. Despite my initial communication, I have not received a satisfactory response nor have I seen any corrective action taken regarding this matter. 

As previously stated, XXXX has been reporting a charge off on my accounts without providing the requisite Form 1099-C as mandated by law. Under the Fair Debt Collection Practices Act ( FDCPA ), it is explicitly prohibited to report income on my credit report without adhering to the necessary legal procedures. This oversight not only represents a violation of my rights but also casts a shadow on my creditworthiness unfairly. 

Furthermore, I wish to reiterate that these accounts are currently under dispute. As per the guidelines outlined by the Fair Credit Reporting Act ( FCRA ), any accounts under dispute should not be reported until the investigation is completed and a resolution is reached. Yet, despite the ongoing dispute, these accounts continue to be reflected on my credit report, causing undue distress and financial harm. 

I am deeply concerned about the disregard for consumer rights demonstrated by XXXX in handling this matter. The failure to address my grievances promptly and accurately reflects poorly on XXXX 's commitment to fair and transparent practices. 

Therefore, I urge XXXX to take immediate action to rectify this situation. Specifically, I request the removal of the accounts associated with SECU from my credit report until the dispute is resolved satisfactorily and the provision of the necessary documentation, including the Form 1099-C, as required by law. 

I expect a prompt response to this letter and a resolution to be reached without further delay. Failure to do so will leave me with no choice but to explore all available legal avenues to protect my rights and seek appropriate redress. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution.
Consumer complaint received 2023-12-28
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. (FL)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-10-31
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. (AZ)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

They refused to take payment I've been calling for XXXX yr XXXX months. And I have been disputing it every month. They sent it to a law firm in which sent it back to them. They refused to send me a letter describing why they have taken such action. And there is no resolving this with them. They are out of XXXX and don't have to abide by any law.
Consumer complaint received 2023-12-28
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)

I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.
Consumer complaint received 2023-12-28
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. (MI)

A hard inquiry on behalf on XXXX XXXX  XXXX  by EXPERIAN BUSINESS CREDIT dated XX/XX/23 is reporting to consumer reporting agencies. I received no disclosures for this hard inquiry.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (KS)

On or about XX/XX/XXXX a Sherriff showed up at my house to deliver a summons for a lawsuit that XXXX XXXX  and Blitt and Gaines , P.C . filed with the XXXX XXXX XXXX XXXX on XX/XX/2024. This experience was very embarrassing as neighbors were able to see this alleged debt being served and I live within a very small community so gossip spreads quickly. There is no contract or credit cards with XXXX XXXX XXXX, there is no contract with XXXX XXXX or Blitt and Gaines P.C. All of my personal property and belongings are paid off, inclusive of my home and vehicles. Why would I have a credit card when the interest rates are usurious. Seems as if they have failed to abide by 15 USC Section 1692g by not validating this debt properly and my first knowledge of this debt being a lawsuit. Also, it seems as if they have misrepresented the documents submitted to the court, the address is not correct ( redacted. ) My wife and I just moved a little over a year ago as well so it seems as if they are trying to collect on this alleged debt from the wrong person, this seems to be a violation of 15 USC 1692e.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (WI)

On XX/XX/XXXX, I sent a debt validation letter to the United Collection Bureau about a debt I did not recognize. The United Collection Bureau sent me documents that had multiple discrepancies. The document shows the case was closed and sent to collections on XX/XX/XXXX. The United Collection Bureau shows a reminder letter sent to pay debt was sent XX/XX/XXXX. How was a reminder letter sent on XX/XX/XXXX? The case was closed and sent to the United Collection Bureau on XX/XX/XXXX. On XX/XX/XXXX, the United Collection Bureau show in the comment section I owe XXXX XXXX XXXX attorney hours. XXXX XXXX was not my attorney on XX/XX/XXXX. XXXX XXXX was my XXXX XXXXr on XX/XX/XXXX. XXXX became my XXXX XXXX after XXXX withdrew from my case which was XX/XX/XXXX and that is when XXXX took over as my XXXX XXXX. I no longer needed a XXXX XXXX because the Judgement of Conviction was prepared XX/XX/XXXX. The amount owed is inaccurate since XXXX XXXX XXXX was not my XXXX XXXX on XX/XX/XXXX. 

Also, the United Collection Bureau has violated the Social Security XXXX act by having my full social security number on the document sent as validation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with XXXX and XXXX. I am not aware of this debt nor where it came from. The debt is listed below ( Colombia debt recovery LLC DBA Genesis ) Amount {$3800.00} Date assigned XX/XX/year> This debt is a result of identity theft. Please provide any and all and all proof that this is 100 % accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Io, Inc. (VA)

XX/XX/XXXX I received a printed copy of my credit file. On page 5 of my credit file RECEIVABLES MANAGEMENT SYSTEMS, Original Creditor XXXX XXXX  account # ending XXXX reported the date of first delinquency for this trade line as being XX/XX/XXXX. RECEIVABLES MANAGEMENT SYSTEMS has changed the date of first delinquency for account # ending XXXX to XX/XX/XXXX clearly a violation of the FCRA and the FDCPA
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

XX/XX/2023 Called 5 times and went on to Equifax web site to unfreeze my account. 
Their verification or authentication method was irrelevant to me and useless. I gave them 4 digits of each credit card and they would not verify to know who I am but asked irrelevant questions that did not apply to me- totally useless!
Consumer complaint received 2023-12-13
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: Premium Credit Bureau (FL)

on XX/XX/2023, an unauthorized hard inquiry was made by PREMIUM CREDIT BUREAU on my Consumer credit report. I first called the contact number associated with PREMIUM CREDIT BUREAU, who told me that it was not in fact them, but another company under them and gave me another contact number. When calling the second company, the phone was answered by someone who didn't and wouldn't introduce themselves properly for me to know if I was even calling the right business. Demanded to know my name and that someone would call me back. I was then called by agent XXXX who insisted that he had no control over removing the hard inquiry when in fact, XXXX told me as the creditor they do have control. After, I called XXXX back to dispute the fraudulent activity, I was told the inquiry would be removed within 24-48 hours. Not even 24 hours and XXXX has closed the dispute without fair resolution, with the unjust inquiry remaining on my report. In addition, I did not give XXXX permission to furnish this information on to my report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

Nelnet has had my loans for over XXXX years. They transferred from Great Lakes at least that long ago. The Nelnet website STILL fails to show my payment schedule. It says the payment schedule is not available because they loans " recently '' transferred from Nelnet. This is a lie. I called Nelnet and they told me they have NO timeline for when the payment schedules from Great Lakes borrowers will be available on the website. They NEED to get their website updated with our payment schedules. When I asked how I could get it, they told me they could mail me the payment schedule in 8 weeks. This is unacceptable. 

I want my CURRENT NELNET PAYMENT SCHEDULE. I submitted a prior complaint and they sent me my OLD Great Lakes schedule. This is NOT what I am asking for. I want my current loan payment schedule as I am entitled to by law. AND I want a commitment from Nelnet that they will update the website for Great Lakes borrowers and stop LYING on their website that they " recently '' received our loans.