davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NE)

This was in XXXX I had a account with chime since XXXX out of no where they said I Violated the rules and they closed my account with money still in it. I had like almost XXXX in the account. No action was taken and I never got my money back.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TN)

either the company, as well as any debts belonging to original proprietor, has been bought by another debt company slightly different in name, or they simply don't assist in helping see all your options from a legal standpoint. I was informed by Jefferson Capital that if I had this dropped off from my credit report that it would dramatically decrease my credit score as its taking age from my credit report. I was misled in the beginning, lead to believe my original debt with XXXX was settled as I made a payment towards an outstanding debt that was eventually going to get settled by myself, until all of a sudden collections had it, even though I was specifically informed that that would not be the case. I called jefferson capital multiple times over the past year and all they seem to promote is a supposed XXXX dollar fee to run credit/consumer report and then provide options. this last time I did pay the dollar and was basically informed that if I didn't pay XXXX XXXX dollars per month to a credit building program then I had no other options. paying a monthly fee simply to have my credit report monitored/corrected just didn't seem viable seeing as I am the one who's been assigned this task, by myself. 
As well, I was told on the phone that there were many errors and I would easily be able to dispute it. the catch was that it would've had to have been through their service for the monthly fee.
Consumer complaint received 2024-05-28
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. (NJ)

I hope you are doing well. Despite our previous correspondence and my ongoing efforts, the fraudulent items remain on my credit report. I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication about the progress and actions being taken to resolve these issues would be greatly appreciated. I understand that addressing cases of fraud can be complex, but it is crucial that we work together to expedite the resolution process. Your cooperation and assistance in this matter are essential to achieving a satisfactory outcome. The following items should be removed as soon as possible : EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$110.00} XXXX  XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$4000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$110.00} XXXX  XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$4000.00}
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AZ)

I have XXXX accounts on all three credit bureau 's with NATIONAL CREDIT ADJUSTERS LLC which is not licensed or bonded to collect debt in the State of XXXX therefore I am disputing both collection accounts below for immediate removal from all XXXX bureaus. Attached you will find their expired license. 

XXXX XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (AZ)

I was apart of identity theft. I now have a debt from a collection company I dont know anything about for {$550.00}. This has caused my credit score to drop enormously. I have never done business with this company.
Consumer complaint received 2024-05-19
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: LEXISNEXIS (TX)

This company has listed an inaccurate bankruptcy on my credit report. Despite placing a credit freeze on my LexisNexis account, they have been divulging my information to third parties. The reported bankruptcy is erroneous and must be removed promptly. 

XXXX has stated that LexisNexis verified this incorrect information as accurate. However, I am unsure of how or by whom this verification was conducted. I have been in contact with the XXXX XXXX XXXX XXXX and have neither released nor verified any information with anyone. I demand the immediate removal of this entry from my credit report. I am prepared to pursue legal action if necessary.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

A company called Portfolio Recovery Associates , LLC has been contacting my father about an account they allege I owe. I plan on suing them. The lawsuit has been written but not filed yet. I will likely make it to the court to file sometime this week. Everything is documented in detail. 

I also noted that the CFPB has brought actions against this company in the past, which they have disregarded and have this has resulted in subsequent actions. This is why I am contacting you. I am not asking you to get money for me, to act as my lawyer or anything like that. I am providing this information to further your cases against them. I am passionate about consumer justice and believe that fighting back against such companies is a moral imperative. For every one like me who will go after them, there are likely countless victims of these people.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. I recently obtained a copy of my credit report and discovered that there are addresses and a name listed that do not belong to me. 

Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the names and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Subject : Request for XXXX Paperwork for Charged Off Debt Account Number ( XXXX ) Dear Sir/Madam, I hope this letter finds you well. I am writing to request XXXX99 paperwork for a charged off debt account number associated with my account. The account number in question is XXXX. 
As a responsible taxpayer, it is essential for me to ensure that all relevant tax documents are accurately filed. Given the change in the status of this debt account, I kindly request that Regions Bank provide me with the necessary 1099-C paperwork at your earliest convenience. 
Please find the details of the account below : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX I would appreciate it if you could expedite this request to ensure that I have ample time to include this information in my tax filings for the current year. If there are any additional forms or procedures required from my end to facilitate this process, please do not hesitate to inform me. 
You can reach me at ( XXXX ] if there are any questions or if further information is needed regarding this matter. 
Thank you for your prompt attention to this request. I look forward to receiving the necessary paperwork from Regions Bank soon. 
Yours sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, P.A., XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-15
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. (MI)

Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or 60 days only XXXX. Kickoff lending has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in pdf, I circle all these inaccurate things on these reports. Need fixed or deleted
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that XXXX take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2024-01-15
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. (CA)

I have wrote disputes to XXXX XXXX sent threw credit bureaus the dispute took longer than 30 days and the did not provide any documentation required by FCRA LAW that I asked for This is the letter I sent certified mail on XX/XX/XXXX this is my second attempt to verify this account only to have my consumer rights violated XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of birth XX/XX/XXXX Social Security Number XXXX To XXXX XXXX Credit Report Verification Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 
Account numbers XXXX XXXX  XXXX 15 USC 1692g refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to send consumers a written validation notice about the debt within 5 days of initial contact.

Specifically, 15 USC 1692g states that the written notice must contain : 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement.

4. Proof that you are legally allowed to collect on alleged debts in the state of California, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 

This validation notice gives consumers certain rights and protections in verifying and disputing debts under the FDCPA. Debt collectors must include the 15 USC 1692g notice in their first communication with consumers. Failure to properly notify could be a violation of federal law. 

Please verify these accounts or delete from my credit report send me a copy of my updated report. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Dear Sir/Madam, I am writing to file a formal complaint with your agency regarding a persistent issue with the reporting of an account by FCO ( Original Creditor : 09 XXXX XXXX ) across XXXX XXXX XXXX, and XXXX. Despite my repeated efforts to dispute this account and seek validation and verification, the inaccurate and incomplete information continues to negatively impact my credit report. 

Here are the details of the account in question : Account # : XXXX Account Type : Collection Account Type - Detail : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Balance : {$3800.00} Credit Limit : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer As per the Fair Credit Reporting Act ( FCRA ) and consumer protection laws, I have made multiple requests for validation information and the opportunity to dispute this account properly. However, the collection agency associated has failed to provide the necessary disclosures and transparency required by law. This raises serious concerns regarding their practices, including potential violations of regulations such as 12 CFR 1006.34 and 15 USC 1681-S2 ( 7 ) ( A ).

I respectfully request the following actions be taken by your agency in addressing this matter : 1. Conduct a thorough investigation into the actions of the collection agency in reporting this account without providing proper validation information.

2. Ensure that I am granted the opportunity to dispute this account in accordance with the designated regulations.

3. Hold the collection agency accountable for any violations of consumer rights, including the use of false, misleading, or deceptive means.

Additionally, I hereby demand the immediate deletion of this account from my credit reports with all three major credit bureaus - XXXX, XXXX, and XXXX. 

I appreciate your attention to this matter and trust that your agency will take the necessary steps to uphold consumer rights and address these concerns promptly. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX