davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CashRepublic Holdings, Inc. (TX)

Dear CFPB Representative, I am writing to file a formal complaint against XXXX XXXX XXXX and Omni Financial for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Background Information : Account/Reference Number : XXXX Date of Initial Debt Validation Request : XX/XX/2024 Date of Follow-Up Communication : XX/XX/2024 Entities Involved XXXX XXXX XXXX XXXX Omni Financial XXXX XXXX XXXX  XXXX XXXX XX/XX/2024, I sent a formal request for debt validation to XXXX XXXX XXXX  regarding XXXXhe above-referenced account, in compliance with FDCPA, XXXX U.S.C. XXXX ( b ). This statute requires that debt collectors provide debt validation within 30 days of the request and cease collection activities until such validation is provided. XXXX XXXX XXXX failed to respond within this legally mandated timeframe. 

Following this, on XX/XX/2024, I sent another communication to both XXXX XXXX XXXX and Omni Financial, emphasizing their non-compliance and demanding corrective action. Despite my clear and repeated requests, both companies failed to provide the necessary debt validation. This constitutes a clear violation of FDCPA, 15 U.S.C. 1692g ( b ). 

Additionally, both XXXX XXXX XXXX and Omni Financial have continued to report erroneous information on my credit report, which is a violation of the FCRA. Specifically, 15 U.S.C. 1681i requires credit bureaus to investigate disputed information, and 15 U.S.C. 1681b limits the purposes for which consumer information can be obtained. Their failure to validate the debt and their continued reporting of inaccurate information demonstrate a willful disregard for these statutes.

UCC-11 Search Results : I conducted a UCC-11 search with the State Secretary of Florida, which revealed no debts recorded under my name. This search, authorized under the Uniform Commercial Code ( UCC ), further confirms that the debt in question is not valid and that both companies have likely obtained my personal information illegally. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : Failure to provide debt validation within 30 days.

15 U.S.C. 1692e : False or misleading representations.

15 U.S.C. 1692f : Unfair practices.

Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Improper access to consumer information.

15 U.S.C. 1681i : Failure to investigate disputed information.

15 U.S.C. 1681c : Inaccurate information in consumer reports.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1681o : Civil liability for negligent noncompliance.
Consumer complaint received 2023-06-16
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: Frontline Asset Strategies, LLC (TX)

I requested a debt verification from Frontline Asset Strategies ( FAST ), LLC, within the verification documents they sent me, they included someone else 's personal ( name and address ) and account information ; I do not trust this company with holding my personal information and I feel violated due to this data breach. 

Frontline Asset Strategies ( FAST ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-02-07
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. (FL)

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. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (SC)

I was behind by over a year in payments and was not even aware this had happened. I called Navient to explain to them that I was unable to pay what they were wanting every month and if I had any options in lowering the payment or even a forebearance. I was hung up on. 

I tried again a month later and the best they could do is a temporary forebearance. So I took it. Now my income driven plan is ending so I called to discuss renewing it. I make the same amount of money as last year and was told that I was n't eligible and again I was hung up on. With XXXX dependents with major health issues and a stagnant income I ca n't afford full payments. I need help
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (GA)

I spoke to the representative at Republic Finance in early XXXX explained that I was having a rough patch and that I would get the payments in as soon as I could. My track record was perfect with the exception of the last 2 months. I will have enough to pay them back in a month, but they don't care. Then after a barrage of calls, I finally called again on XX/XX/XXXX at XXXX. I told them that it was illegal to call me so many times especially after I had spoken to them. They just hung up. 
Recent Dates they called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called at XXXX - told them it was illegal. They hung up They kept calling at XXXX
Consumer complaint received 2023-05-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

BACKGROUND OF THE COMPLAINT Within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) issued the following payments for real estate property tax, which were made to the wrong property tax authority appraisal county office, XXXX XXXX in the following amounts of {$3900.00} and {$1800.00} respectively. However, the problem here was that the property located at XXXX XXXX XXXX XXXX XXXX TX XXXX is within the boundary of the XXXX XXXX XXXX XXXX XXXX. - See Exhibit A. 

Around or within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) received a refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}, which Specialized Loan Servicing issued a check to me, XXXX XXXX in the amount of {$2900.00}, and leaving a credit to the escrow account in the amount of {$1000.00}. See Exhibit B. 

Around or within XX/XX/XXXX, Specialized Loan Servicing issued the last of the 2 or 3 erroneous escrow account reconciliation statements stating that there was a shortage balance in the amount of {$3100.00}. - See Exhibit C. Also, within the same month of XX/XX/XXXX, Specialized Loan Servicing received another refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. See Exhibit D. Therefore, as per internal documentation provided by SLS, this amount of {$1800.00} was meant to be reimbursed to me, XXXX XXXX. Although, I called SLS and requested to send me the reimbursement check so that I could replenish the escrow account shortage.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SD)

I had a XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, Experian and XXXX.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Ordered a guitar online from XXXX XXXX ( XXXX XXXX XXXX XXXX, Minnesota XXXX ) which never arrived. Company said I had to fill out a police report despite having NO proof of delivery. I disputed with XXXX Visa - and WON the dispute. Yet - they still email AND call me EVERYDAY.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-02-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bronstein & Weiss Arbitration (CA)

On XXXX/XXXX/17 I received a phone call from a man calling himself XXXX XXXX from Weiss XXXX claiming to have a lawsuit pending from XXXX that was taken out in my name 4 years ago. They claimed that their ready to sue me. They did not specify the amount of money that was owed. I asked the caller to send me documentation via mail and asked for their law office license number, but the caller refused to provide me with the information. 
Additionally, before I was even contacted personally, my Mom, XXXX sisters, brother in law, and my brother in laws mother were called ( I do n't even have his mother phone number ). They threatened that I would be prosecuted if I did n't contact them immediately. 
I again received another phone call on XXXX/XXXX/17 and a voice message was left threatening that I would be prosecuted if I did n't return their call.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (NJ)

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is closed I am writing to lodge a complaint regarding the deceptive reporting of a closed account by Experian and XXXX XXXX my credit report. The closed account in question is with XXXX XXXX, with the account number XXXX. 

It has come to my attention that both Experian and XXXX are inaccurately reporting the closed account as open, which is adversely affecting my credit score and overall creditworthiness. This deceptive reporting misrepresents the true status of my account and poses significant challenges when seeking new credit or negotiating favorable terms.
Consumer complaint received 2023-06-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I sent my dispute XX/XX/XXXX and have yet to receive an update in over 30 days. Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days. 
The items in question to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX Credit Card with account # XXXX Should also be deleted : Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (TX)

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. 

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 2023-02-02
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$5500.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX , ACCOUNT NUMBER XXXX, BALANCE {$22000.00} INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have 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 2017-03-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.
Consumer complaint received 2023-02-27
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. (MD)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, 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. (NJ)

unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Business Credit Bureau Inquiries Auto Dealers , New Auto Dealers , New Auto Financing Auto Loans Auto Financing All Banks Bank Credit Cards All Banks Bank Credit Cards Commercial Banks
Consumer complaint received 2023-06-27
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (TX)

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.

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 2023-06-27
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: Experian Information Solutions Inc. (LA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent Trans Union a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and Trans Union Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.