davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (TX)

I am writing to formally dispute and register a complaint regarding a recent collection entry that has appeared on my credit report. This new collection item is causing significant concern as it negatively impacts my creditworthiness. I have attached a copy of my credit report highlighting the disputed entry for your reference. I want to emphasize that I have not been previously informed or contacted about this collection account, and I dispute its validity. As per the FDCPA, I have the right to receive written notice of a debt within five days of initial contact. I have not received any such communication, and I believe that this collection entry may be in violation of my rights under the FCRA.

I kindly request that you promptly investigate the legitimacy of this collection entry as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy and validity of the debt, including its origin and amount. 
Confirm that the collection agency has followed all legal requirements, including providing me with written notice of the debt as mandated by the FCRA. 
I also request that you provide me with a written response within 30 days of receiving this dispute and complaint, detailing the actions taken to address this issue. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. Kindly assist me to delete this collection account in my credit report immediately : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$270.00}.
Consumer complaint received 2023-09-09
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I sent XXXX and Capital One a notice invoking my right as a federally protected consumer to opt out per 15 USC 6802 which states ( 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. 

( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, XXXX and Capital One are in violation of per Privacy Act of 1974 by sharing my non-public information such as my financial history.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To whomever this may concern I hope this letter finds you well. I am writing to request the update of my personal information in my credit report maintained by your agency, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 
I noticed that you guys have been furnishing inaccurate information on my behalf, starting with my name, address and social. I'd just like for you guys to update my information CORRECTLY. Under no circumstances do I wish for any addresses other than the ones listed to be reported to this agency.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

To whomever this may concern I hope this letter finds you well. I am writing to request the update of my personal information in my credit report maintained by your agency, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 
I noticed that you guys have been furnishing inaccurate information on my behalf, starting with my name, address and social. I'd just like for you guys to update my information CORRECTLY. Under no circumstances do I wish for any addresses other than the ones listed to be reported to this agency.
Consumer complaint received 2023-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX continue to report inaccurate information. The reporting agencies must maintain accuracy. The account listed XXXX XXXX Account # XXXX is not reporting accurately. 

XXXX is not reporting the account, XXXX has 4 payments listed and Transunion has one. This means this account is not accurate and has not been properly validated under FCRA. This is causing damage to my consumer report and scores. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 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.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

To whomever this may concern I hope this letter finds you well. I am writing to request the update of my personal information in my credit report maintained by your agency, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 
I noticed that you guys have been furnishing inaccurate information on my behalf, starting with my name, address and social. I'd just like for you guys to update my information CORRECTLY. Under no circumstances do I wish for any addresses other than the ones listed to be reported to this agency.
Consumer complaint received 2018-04-30
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: WELLS FARGO & COMPANY (FL)

This is the second complain about statute of limitation.

XXXX I Submitted a complaints to the Consumer Financial Protection Bureau on XX/XX/XXXX WELLS FARGO CARD SERVICE and XXXX   Credit report XX/XX/XXXX and WELLS FARGO CARD SERVICE have last payment as XX/XX/XXXX WELLS FARGO CARD SERVICE Balance : {$160.00} From XX/XX/XXXX to XX/XX/XXXX is five years. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible WELLS FARGO bank is trying to collect a debt which the statue of limitations in Florida have expired.

XXXX on XX/XX/XXXX verified as accurate and undated.

How can they Wells Fargo balance when it been over 5 years?

XXXX on XX/XX/XXXX credit report also show balance
Consumer complaint received 2022-11-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX acct XXXX XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX. All three can't be accurate or correct. FCRA requires you to fix it or delete it. Please send the method of verification after the reinvestigation and updated consumer report. 

ATTACHMENTS
Consumer complaint received 2023-09-09
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. (GA)

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. There are several inconsistencies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 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.
Consumer complaint received 2023-09-09
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. (PA)

I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-09
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. (GA)

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. There are several inconsistencies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 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.
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Recovery Group (WA)

Several phone numbers were robocallers.They did not give name or whatever. Just a computer voice to call the number but my caller id picked this up. I did the XXXX and found nothing. Scammers is what I call it but this is what my caller id found : Spam? XXXX and this Spam? XXXX they come back to Alliance Recovery. But also found this : XXXX Landline Number Network Operator : NA Location : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX Location : XXXX XXXX, RI I don't know if this is real or a scam. 800 notes also had a lot to say about these numbers also. Thanks
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Since you have not validated this debt as required I demand you cease collection activities immediately and remove any credit reporting. The information you provided is insufficient to prove I owe this debt. Send me full documentation showing the origin and amount with my signature or close this account. I expect written nresponse with the required validation materials. If i do not receive them in 30 days i will take legal action under the fdcpa.

Iwill sue. I never entered into a contract with you ( XXXX ). You are a third party who entered into a contract with the alleged debtor XXXX. You entered into this without my consent. There is no contract between you and I involved. Delete this immediatley. 

1692 c Ceasing communication I refuse to pay a debt that doesnt belong to me and youre stressing me out.

Give this debt back to whoever you bought it from.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (LA)

This negative item is over 5 years old stopping the consumer from having a fair credit report through consumer law. It has now been passed in Congress through Arbitration that all negative items over two years old has to be removed from the xonsumers credit report.
Consumer complaint received 2023-09-09
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. (LA)

This negative item is over 5 years old stopping the consumer from having a fair credit report through consumer law. It has now been passed in Congress through Arbitration that all negative items over two years old has to be removed from the xonsumers credit report.
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coast to Coast Financial Solutions, Inc. (CA)

Date of service, XX/XX/XXXX ( XXXX  XXXX XXXX ) invoice attached. 

First notice of outstanding debt XX/XX/XXXX ( Coast to Coast Financial Solutions ) copy attached. 

Call to creditor and collection agency XX/XX/XXXX, to explain I was unaware of any such debt and questioned if the bill had been submitted to XXXX XXXX XXXX XXXX for payment and learned it had not been presented. Approximately two years thereafter XXXX XXXXXXXX XXXX submits to Coast to Coast for collection instead of billing the insurance. 

Since the date of service XX/XX/XXXX, I changed to a different insurance provider. 
When I contacted XXXX XXXX XXXX  and or XXXX XXXX XXXX in XXXX, it was confirmed that the bill had not been submitted and there was no knowledge of the same. 

Essentially, XXXX XXXX  was never billed by XXXX XXXXXXXX XXXX and I was never provided with an form of notification until XX/XX/XXXX by Coast to Coast debt collections. 

I have requested that Coast to Coast not continue to call, mail and threaten me with negative credit reporting and instead have their client bill the insurance as they should have originally for payment. 

In my desperate attempts to have Coast to Coast stop their collection tactics, I delivered a written request for them to " Cease and Desist " from any further action against me ... ... ... ... ... ... ... ... they refused and sent communication the very next day.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (DE)

I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to XXXX and Experian in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX
Consumer complaint received 2023-06-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

I don't believe I have the loans they are claiming I have and there is no Master Promissory Notes on file for any of them. I've asked them to be sent to me and haven't gotten a response but they are threatening to contact my place of work.
Consumer complaint received 2023-09-09
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DEPT OF EDXXXX XXXX XXXX : {$0.00} ; DEPT OF EDXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX