davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

I am writing to dispute a account that LVNV FUNDING LLC that was recently reported on my credit report. I obtained a copy of my credit report and noticed that [ LVNV FUNDING LLC ] has reported Opened XXXX payment for the account that is incorrect and i have knowledge of this account Upon reviewing my records, I do not recognize this collection account and believe there may have been an error in its reporting. I request that you conduct a thorough investigation into this matter and provide me with documentation verifying the validity of this debt, including but not limited to : Proof of the original debt, including the name of the original creditor and the account number. 
Documentation showing that the collection agency has the legal right to collect on this debt. 
Verification of the dates of the debt, including the date of first delinquency and any subsequent activity. 
I also request that you provide me with the name and contact information of the original creditor associated with this collection account. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. I trust that you will conduct a thorough investigation and provide me with the necessary documentation to validate the legitimacy of this collection account. 

Please inform me in writing of the results of your investigation and any actions taken to correct the error on my credit report. You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-08
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)

In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XXXX XXXX  to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, Experian, XXXX and XXXX still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, Experian did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XX/XX/XXXX and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.
Consumer complaint received 2023-11-08
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. (TX)

XX/XX/2023 I submitted a claim to CFPB concerning a request that I sent to all 3 bureaus on a dispute regarding information that is being reported. However, CFBP closed submission because one of the bureaus XXXX responded with a remark saying claim was verified. 

My concern how was this verified? I continue to ask for this information. So, now I'm asking for re-investigation. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : 1. Court House name 2. Name of person who verified Bankruptcy.

3. Court house address, telephone number 4. Documentation used to verify dispute
Consumer complaint received 2023-11-08
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. (OH)

I sent a certified letter out on XX/XX/2023, to Experian and it was received on XX/XX/2023signed by XXXX XXXX at XXXX XXXX- tracking # XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023, I received notification that my disputes were complete and found accurate. This makes no sense because the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. 

In my original letter, I asked Experian specifically to provide pictures, receipts, dates, times, and Bonafide witnesses who can attest to these accounts being mine. I also provided an FTC report along with a police report that was rejected for the 2nd time this year stating that my filing was believed to be done in error or misrepresented though I included the officer 's telephone number and badge number. A police report can not be falsified, that is against the law. I spoke with supervisor XXXX who admitted that they did not read my letter, nor was it entered into their system. My rights have been violated under 15 U.S.C 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my reports as well. 

Experian also made false claims to my active credit card companies ( XXXX XXXX XXXX XXXX XXXX  ) and informed them that I was disputing the accounts I have with them as fraud. As a result, my cards were immediately frozen, and I had to be authenticated to have them unfrozen. The XXXX XXXX  card investigator advised me that Experian sent them a 30-page document, however, nothing in that document stated that I was disputing my active credit cards and that Experian had indeed wasted their time and falsified my complaint. The investigator apologized to me for the error and provided their contact number at XXXX extension XXXX. Needless to say, my credit cards were then thankfully unfrozen. 

Because of this, I am led to believe that Experian picks and chooses what they want to address and addresses matters falsely and carelessly. In my letter, I made it very clear which accounts were fraud and also marked them on the FTC report and provided my social security number, lease agreement and utility bills outlining my physical address. 

There is no reason for there to have been confusion. Experian has continued to report the fraud address on my profile of XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX. I am demanding Experian to remove these accounts immediately : XXXX XXXX XXXX for {$11000.00} Account # : XXXX XXXX XXXX XXXX for {$2200.00} Account # : XXXX and an inquiry from XXXX  XXXX on XX/XX/2023.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

this car loan has been closed since XX/XX/2020, and it was also sent to auction and sold satisfying the loan, I also had gap insurance on the vehicle. this car is still reporting on my credit profile as if i still have this car in my possession. I do not.
Consumer complaint received 2023-12-14
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. (WI)

The inquiries occurred throughout the year. The only items listed correctly is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Any other inquiries were not done by me.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was born in XXXX, making me XXXX was and still in high school when said loan was taken out in my name. XXXX, company name XXXX XXXX XXXX Ive contacted them on several occasions but to no avail. 

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. Upon checking my credit, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc. (VA)

This debt is from a car rental company XXXX XXXXXXXX XXXX XXXXXXXX. XXXX is listed on XXXX and does not comply with the consumer regulation. Collection is listed as Past due balance OPEN and OPEN STATUS. Please review a copy of the listing on my XXXX credit report. 

Please remove this collection from my credit report. Thank you in advance for your assistance and support.
Consumer complaint received 2023-12-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AR)

National Credit Systems are attempting to collect a debt by XXXX XXXX XXXX that is inaccurate. They are using a copy of an inaccurate rent ledger from the original creditor to report this collection as accurate when I have provided them with rent receipts that consist of copies of my money orders and a check from a rent relief program. Eviction was filed on me XXXX XXXX for the amount of XXXX due to an inaccuracy in the leasing office records which I attempted to resolve with the property manager XXXX XXXX and district manager XXXX XXXX with my rent receipts. The issue did go to court in which I acknowledged rent had been paid accordingly except for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the attorney told the judge that they didnt want to discuss the outstanding rent but wanted me to move. In which I was ordered to move within a week. Months later this balance was reported and a copy of this inaccurate rent ledger was mailed to me from a law firm on National Credit System behalf.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

Dept of Education {$290.00}, {$2700.00}, {$5100.00}, {$7500.00} all reporting on all credit report 's XXXX, XXXX, and XXXX. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. 

Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : PERSONAL CURRENT ADDRESS IS XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 
MY PROPER FULL NAME IS XXXX XXXX XXXX.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at core logic ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. Experian, XXXX, XXXX XXXX.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Management Services, Inc. (AZ)

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : COLL MGMT SR : [ XXXX ]. 

Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I have no knowledge of this transactions in relation to fraudulent activity pertaining to my personal documents, and I'm currently in the process of completing identity thief applications through third party services to freeze and/or lock my credit to ensure no more fraudulent attempts while the anonymous suspect continues to complete credit application the caused the below listed Hard Inquiries. 
By phone line I requested a removal letter from each of these companies in which I was denied access due to me not having the address that the suspect used to attempt credit transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (SC)

On XX/XX/XXXX of 2024, i took out a loan for {$630.00} when it was time to pay the monthly bill i paid it all on time even sometimes a day or XXXX before plus {$100.00} extra when i called them XX/XX/XXXX of 2024 at XXXXXXXX XXXX  the phone call lasted 5 minutes i was trying to see how much left i had to pay off so instead of myself talking i gave her permission to talk to my dad and tell him she told him i missed the payments and i never paid a single bill then she said i had 3 more payments and $ XXXX to pay in XXXX but it was a 24 month pay off my dad was asking for the exact amount she wouldnt give it. so i called corporate XX/XX/2024 at XXXX so they can resolve the issue they said someone would call me soon so the district manager called and he had a attitude when he was asking me what i wanted to know and i said how much i had to pay off he wouldnt give me the answer and was giving me attitude so my dad took the phone from me and told him what happened and asked him how much would i have to pay off and he wouldnt tell it at first but he eventually said it was XXXX as of today which was yesterday XX/XX/XXXX of 2024 at like XXXX.
Consumer complaint received 2023-11-08
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. (CO)

A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018