davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CT)

I am writing this letter in response to the collection on my credit report from CCS Collections  regarding an alleged debt of {$650.00} from the original creditor, XXXX XXXX. As per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609, I am requesting validation of this debt.

I am disputing the validity of this debt as CCS Collections has not provided sufficient proof that the debt belongs to me. Pursuant to the FCRA, I am entitled to request verification and validation of the debt, including but not limited to the following information : 1. Verification that CCS Collections has the legal authority to collect this debt. 
XXXX. Documentation showing the original signed agreement between myself and XXXX XXXX for the insurance services rendered. 
3. Verification of the original account number and the date of the alleged debt.

4. Itemized statement detailing the breakdown of the alleged debt, including any interest or fees. 

I am also requesting that all communication related to this debt be ceased until the validation process is completed in accordance with the FCRA. 

Please be advised that failure to provide the requested validation within 30 days from the receipt of this letter will result in the debt being considered invalid, and CCS Collections will be required to remove any negative reporting associated with this debt from my credit report.

I am exercising my rights under the FCRA in good faith and expect CCS Collections to comply with the law. I appreciate your prompt attention to this matter and the timely provision of the requested validation.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (UT)

IC Systems is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Consumer complaint received 2020-03-19
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. (CA)

My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and XXXX  ( some ) but not Experian even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. Experian is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. Experian continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my Experian credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I am a young man, saving to buy a house so i open a savings account at navy federal. I finally save up a chunk of change, then my bank account was hacked, whoever was responsible opened an XXXX XXXX checking account ( i am just a citizen, and have never served ) then proceeded to transfer the majority of the money in the account out. I filed a fraud complaint with the bank ; however, they are saying i transferred all of my money to some random person. This is unacceptable and by far THE WORST COUSMTER SERVICE i have ever received from any bank or credit union.
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (PA)

I am writing because I wrote the 3 Bureaus over 2 months ago and still have not received any update on my complaints with the fraudulent late payments that they have put on my account. The one company XXXX is known for putting late payments on customers accounts even when they paid on time. I never even authorized any furnishers to report any of my information which is a violation in itself and its been over 2 months with no update which is also a violation of getting back to me in a reasonable amount of time. I would like these accounts updated to paid as agreed because I never been late on any payments. If not I will have to seek litigation because they are putting in fraudulent claims and messing up my credit.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (PA)

I am writing because I wrote the 3 Bureaus over 2 months ago and still have not received any update on my complaints with the fraudulent late payments that they have put on my account. The one company XXXX is known for putting late payments on customers accounts even when they paid on time. I never even authorized any furnishers to report any of my information which is a violation in itself and its been over 2 months with no update which is also a violation of getting back to me in a reasonable amount of time. I would like these accounts updated to paid as agreed because I never been late on any payments. If not I will have to seek litigation because they are putting in fraudulent claims and messing up my credit.
Consumer complaint received 2020-03-19
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. (NJ)

I have XXXX accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse I will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were XXXX and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts XXXX XXXX, XXXX/XXXX, XXXX XXXXt, XXXX, XXXX XXXX  accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT
Consumer complaint received 2020-03-19
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$11000.00} DPT ED/XXXX XXXX {$4000.00} DPT ED/XXXX XXXX {$6300.00} DPT ED/XXXX XXXX {$4900.00} DPT ED/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$810.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$2700.00} XXXX/XXXX  XXXX {$440.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Acccount XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX However, they stated everything was complete and the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc. (TX)

On XX/XX/XXXX I recieved a letter from FCS Collection Services in regards to a debt saying I owed XXXX $ to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX myself by phone call on XX/XX/XXXX. I spoke to a XXXX. She confirmed by phone that the equipment I am being charged for was indeed returned and checked in on XX/XX/XXXX. She went on to say that they found after the fact 6 months later that the router I returned was damaged. Therefore they turned me over to collections without even contacting us by mail or phone call first. 
I explained when I returned the equipment in person at the office in XXXX XXXX, TX that it was checked in and I was told our bill was cleared. 
In fact in XXXX we received a check back from XXXX XXXX XXXX for over payment. 
XXXX also did discuss this debt with myself and my wife without giving us a mini miranda and she did confirm phone call was recorded without any knowledge. 
She did also confirm that the equipment does travel from their office from XXXX XXXX to XXXX which is around 15 miles. We have no clue what happened to the equipment once it left our possession. It was checked in bill was cleared we even received money back and have not heard from XXXX XXXX XXXX since. XXXX did also confirm on phone that they just pushed it straight to collections without trying to bill us or contact us first.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC requesting validation of the debt they claim I owe. 

On XX/XX/XXXX dated XX/XX/XXXX I received a letter from Midland Credit Management XXXX INC stating that they opened an investigation regarding my dispute, and was awaiting additional documents from the seller and it could of taken up to 90 days. 

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC stating that by not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC stating that by not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

On XX/XX/XXXX dated XX/XX/XXXX I received a letter from Midland Credit Management , INC stating After reviewing the information I provided, their account notes, and information provided by the previous creditor, they concluded the information their information is accurate. 

Midland Credit Management , INC in violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had a credit card with XXXX XXXX originally and it was dismissed due to unauthorized transactions on the cards for which I did not make. XXXX XXXX admitted that they found fraudulent transactions on the cards and said that I no longer was responsible for the balances. In 2018, Portfolio Recovery started a campaign against to collect these debts despite XXXX XXXX decisions to not collect these charges from me. I filed an identity theft report with the FTC and listed these cards as a part of that report and told Portfolio Recovery about that and stop calling me. Portfolio Recovery not only continued to call me but used some very brutal tactics to try and collect these debts that had been settled. They continued to call me from many different numbers and from different area codes from spoofed numbers to try and collect these debts thats not mine. At the same time, I started receiving barrages of many spoofed calls and harassments from many other numbers trying to collect on these debts. I feel that Portfolio Recovery employed these tactics to sell my information to other parties to aide them into harassing me into paying debts I do no owe. I reported this to all credit bureaus and all deleted Portfolio Recovery except for XXXX  from my credit report.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (UT)

AFNI, INC is reporting a debt on my credit file that has been paid years ago. I am not sure why Afni is  recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Our credit card expires in XX/XX/2020. We called before the end of the month inquiring about replacements. Was told some was being sent. 2nd follow up call yielded no further information and the 3rd call said our account restriction and no reasons given. We have paid on time to Capital One monthly. Full explanation of reason is warranted.
Consumer complaint received 2023-01-24
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: ACIMA CREDIT, LLC (NY)

XXXX XXXX XXXX. Falsely stated that I entered an agreement via online purchase which is not possible because the retailer XXXX XXXX XXXX XXXX has never had nor do they have a website. Therefore it is impossible an e- sign agreement to exist in the absence of a website. I request immediate removal of this bogus account. The documents attached are completely made up.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX for both me and my wife.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

So I've had this problem with chime where I keep filing and dispute for a charge of {$78.00} not this is a charge that I did authorize for a purchase on a website that at first I thought was legitimate and then turned out to be a scam website so then when I proceeded to file a dispute to chime so I can get my money back because for starters the product that I purchased never arrived and second getting in contact with the merchant wasn't going anywhere so I filed my dispute not XXXX thing to keep in mind I purchased this item on XX/XX/XXXX then I probably filed the dispute sometime between XX/XX/XXXX through the XXXX and to this day I've yet to get this item I purchased and I'm still fighting with chime to get my money back and every time I ask them why did they climb my dispute they told me it was because there was no error in the billing when that wasn't my problem to begin with I never received the item that I purchased which was my problem
Consumer complaint received 2022-12-31
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. (VA)

This is to inform you that Transunion unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
Also, Transunion did not follow XXXX XXXX COMPLIANCE LAWS when they put these violations of Inquiries, late payments, and wrong addresses on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (OH)

On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by 111 points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit.
Consumer complaint received 2021-06-18
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. (CA)

THE ACCOUNT NAMED " AFFIRM '' LISTED ON MY CREDIT IS A RESULT OF IDENTITY THEFT. I DID NOT OPEN THIS ACCOUNT OR DID NOT AUTHORIZED ANYONE TO OPEN THIS ACCOUNT. I HAVE MADE COMPLAINTS AND DISPUTES WITH AFFIRM AND THE BUREAU ( S ) ALREADY BUT I HAVE BEEN IGNORED OVER AND OVER. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY! I HAVE ATTACHED A COPY OF A ID THEFT AFFIDAVIT.
Consumer complaint received 2020-03-19
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. (UT)

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is erroneously reporting incorrect information on my credit file. They are reporting 2 new lates XX/XX/19 & XX/XX/19 on an account that has been closed for over more than a year!! This is beyond careless and affecting my credit. I am requesting that they remove these lates on an old account # XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a few student loans that report to all three bureaus but most of them are over 8 years since they were last reported. The last reported date is incorrect and I've asked for it to be fixed. Knowing that these accounts are more then 7 years old these accounts should be removed from each of the credit bureaus. I've contacted them and have had no response in 60 days. This hurts me and I hope this is the last time I have to address this.