davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2019-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been receiving daily calls from phone numbers I do not know. After doing research, I see that it is coming from Portfolio Recovery. 

I have no dealings with this company and they are calling me on my cellphone, which I definitely did not give them my phone number. 

I would appreciate it if they would stop calling.
Consumer complaint received 2023-10-17
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. (FL)

Hey I am writing to dispute the following information on my report. 
This item 1. Account XXXX XXXX  XXXX Account number : XXXX And 2. Acount XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Experian I also asked Experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Experian nor the original creditors were able to do so the last several months Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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******** I am Damaged Mentally and physically do the inaccurate information being reported!
Consumer complaint received 2019-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is regarding Transunion 's " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in one month. Balance down. Date of oldest accounts ( average accounts ) up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, Transunion would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of Transunion linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (FL)

Since XXXX I have linked my XXXX XXXX to Paypal in order to protect my purchases. My card expired, and they had to send me a replacement. When I went to activate it I was told an individual had flagged my account. I believe when I first signed up I was required to send my Driver 's License 18 years ago. Paypal was required to validate my XXXX account at that time and they did. XXXX has my actual driver 's license on record. I am XXXX XXXX XXXX, and recently retired. It appears Paypal wished to discriminate against the XXXX  and when I went to Validate I was refused. They NOW demand private information that is bogus ; an electric bill and water bill. Neither of these validates an individual as they claim. For several years when my daughter was alive I paid her electric bill and water bill. She lived in XXXX XXXX Fl and XXXX, Florida. I live in XXXX XXXX XXXX, Florida. The only breech I have seen has been Paypal allowing an individual in XXXX to steal over {$300.00} out of my account without putting security measures into place which I learned of and notified them immediately. It was proven my account had been charged fraudulently. At that time I was sent a replacement card and had no problem validating it at the time without the demand of giving them private accounts they are not entitled to. I deliberately allowed the account to reduce to {$15.00} based on not tieing money up with them until the new card was activated. Just some instinct as I had attempted to get an active account on our NonProfit and got so much harassment by Paypal I gave up. They were not worth it. Its still in limbo. No matter what you send to them, they run you in more circles. At this time my account can not be activated. My address is real as I received the card at that address therefore validating it is real. My remaining money is not accessible. I will not send my DL that is on record with XXXX XXXX  they can obtain through them due to a Florida DL law that does not allow us to duplicate DL and for my own security. I also have a stalking problem with my ex son-in-law who is believed to be the person who stole out of my account and I do not want additional information on Paypal records that has already had several breeches of security with information obtained of client bases. What they are demanding of clients in no manner will validate a client and is void of reasoning. I believe I am being discriminated against due to retirement.
Consumer complaint received 2019-06-24
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. (GA)

I have been a victim of identity theft and have filed FTC report in reference to the incident. I was told by credit reporting agencies to file the report and items contained in the report would be blocked/deleted. However, the items contained in this complaint are still listed on my credit file. I have attached a copy of items to be blocked in this complaint. I am reaching out to the CFPB to assist me in resolving this incident.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately!
This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute late payment entries on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 

According to my credit report dated XX/XX/XXXX, there are two late payment entries listed for CREDITOR NAME : XXXX ACCOUNT NUMBER : XXXX in XXXX and XX/XX/year>. However, I would like to bring to your attention that these late payments are inaccurate and unjustified. 

I contacted the company directly regarding this issue and spoke with a representative named XXXX. During our conversation, XXXX confirmed that the late payment entries were made in error and were not a valid reflection of my payment history. As a result of this error, the company refunded me {$30.00} in late fees as a gesture of acknowledgment. Based on this confirmation, I am formally requesting that you remove this inaccurate late payment entry from my credit report immediately. 

Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies. 

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

Given the confirmation of this error by the original creditor, I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA. 

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (OH)

I am re writing to bring to your attention AGAIN! that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : APPLE GS/CARD, XXXX XXXX XXXX  addresses : XXXX XXXX XXXX XXXX XXXX oh XXXX
Consumer complaint received 2023-10-17
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. (NY)

I have received and reviewed my updated credit report today and Im stunned to see that the same disputed accounts to which I considered to be incorrect and suspicious, due to their inaccurate details, were still up and showing on my files. Ive been trying my best to reach out from the credit bureaus ' office to have it corrected and be effectively removed from my credit history, but all of my efforts were left unresolved. These errors youve kept on furnishing will definitely hamper my credit ratings and destroy my reputation as a consumer. 

I have asked for the reinvestigation of these accounts in my previous letter but I never even received a response coming their side to update me of the result. This time, I will continuously urge them to remove these misleading accounts from my credit report : 1. Creditor : XXXX Account # : XXXX 2. Creditor : XXXX XXXX  Account # : XXXX 3. Creditor : XXXX XXXX XXXX Account # : XXXX 4. Creditor : XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX I noticed a sharp decrease in my Credit Journey Score ( powered by Experian ). I spoke to Experian and they informed me that XXXX had provided them information that XXXX accounts were now in default/closed - basically classified in a way that negatively impacts a credit score in a severe way.

I did enter into a payment program with XXXX for these accounts on/around XX/XX/XXXX and have been in good standing with repayment for over 2+ years. Payments have been on time and in full each month. 

After speaking with both XXXX/Experian I disputed the credit events with Experian ( Report # XXXX ) and they upheld the decision to drop my score in XX/XX/XXXX based on information provided by XXXX. 

I filed a complaint with CFPB ( XXXX ) against XXXX for providing reporting agencies incorrect information which they dispute and now point the finger at Experian. 

Neither XXXX or Experian has adequately explained the following : 1 ) how my accounts can be listed as in default when I am in current repayment? 
2 ) how is this coming up now after 2+ years into a consolidation program? 
3 ) why is this negatively impacting my score when I am in good standing with my lender? 

I suspect this has impacted XXXX of people like me and would now like the CFPB to investigate this matter with Experian.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX Valemist Ct XXXX, TX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

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.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-10-17
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-10-17
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. (MI)

XXXX XXXX bankruptcy in accordance with the Fair Credit Reporting act 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 XXXX XXXX bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-17
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( XXXX XXXX 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 an account without my written permissions and instructions.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.