davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
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)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-24
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. (MN)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-24
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. (NV)

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. 
ACCOUNT XXXXXX/XX/XXXXXX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX : # XXXX, XXXX XXXXXX/XX/XXXX XX/XX/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, states a consumer reporting agency can not furnish an account without my written 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 and crimes which antedates the report by 7 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 Charge Off 's U.S.C 1681 THIS IS INCORECT & INACCURATE INFORMATION THIS IS NOT MY DEBT
Consumer complaint received 2022-08-06
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. (OH)

Today, XX/XX/2022 I have contacted XXXX to deal with this violation of my rights. 

I was affected by the XXXX data breach and XXXX is in gross violation. Per 15 USC 1681 ( a ) XXXX, XXXX has assumed this vital role without my consent or permission. XXXX did not respect my right to privacy. 

XXXX did not exercise their grave responsibility. XXXX reportings were unfair, partial and unconsensual. XXXX did not respect my right to privacy. 

I never instructed XXXX to furnish this report and I never consented to this report. XXXX does not have permissible purposes as per 15 USC 1681b ( XXXX ). 

These violations are undermining my confidence in the banking system.
Consumer complaint received 2024-09-21
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-25
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. (NY)

Fraudulent activity. I have contacted this company, sent letters, and disputed the items through the credit bureaus. I have asked this company to provide me with evidence that this account belongs to me and the information was never received. I believe this is fraudulent activity and would like these accounts removed from my credit report. They are really hurting my ability to obtain credit. 

Thank you
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

Well, I already reached out previously about unrecognized credit reports on my account. I got a XXXX point deduction on my XXXX and after reporting this to you guys the ( Consumer Financial Protection Bureau ), the case was resolved and I got my XXXX points back on XXXX. But then on Thursday, XX/XX/2023, upon checking my credit score again, I still saw another XXXX point deduction on my XXXX for no reason. And the hard inquiry from XXXX XXXX which they got back to me saying they would remove is still on my credit report. I will attach the document they provided. And I wanted to kindly ask if you could restore the XXXX points that were deducted again on XXXX as well as remove the hard inquiry from XXXX XXXX XXXX I've had no late payments on my credit and I'm still working hard to ensure that no payments are turned in late.
Consumer complaint received 2024-08-25
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. (NJ)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to demand the removal of inaccurate personal information from my credit report maintained by your bureau. I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately.. I have listed the accurate personal information and relevant details : Any information not listed below please remove.

1.Accurate Legal Name : XXXX XXXX XXXX 2.Accurate Current Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX 3.Accurate Telephone Number : XXXX 4.Accurate Employer Name and Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX 5.Spouse Information : XXXX XXXX 6.DOB : XX/XX/year> 7.Commercial Address : XXXX  I kindly request that you delete the inaccurate personal information from my credit report as soon as possible. Please note that the inclusion of such inaccurate information can have a detrimental impact on my creditworthiness and may affect my ability to obtain credit or loan approvals. Furthermore, I would appreciate your assistance in notifying all third-party entities, including financial institutions, creditors, and any other organizations that may have accessed my credit report, about the removal of these inaccuracies. This will ensure that they have the most up-to-date and accurate information regarding my personal details. In compliance with the Fair Credit Reporting Act ( FCRA ), As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I also request that you provide me with a written confirmation of the removal of the inaccurate information from my credit report. I understand that, as per the FCRA, the credit bureau is required to inform me about the results of the investigation and any actions taken to rectify the inaccuracies. Additionally, I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost diligence and professionalism. 

Sincerely : XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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)

Hello, my name is XXXX XXXX XXXX, and 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. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I transferred enough money to cover items on my account. The bank account had enough funds to cover items. I deposited the money and I was still charged fees. Ive tried to work with bank and still they charged me fees. All my money was SSI money to cover my bills.
Consumer complaint received 2024-08-24
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. (AZ)

I am writing to formally report that a XXXX XXXX XXXX credit card account was fraudulently opened in my name without my knowledge or consent. I have never used phones, laptops, or any form of technology to manage financial matters, which is why I was completely unaware of this account for a significant period. 

I only recently discovered this fraudulent XXXX XXXX XXXXXXXX credit card account on my credit report when it became delinquent. I want to make it absolutely clear that I never authorized this account, and its existence is a severe breach of my personal and financial security. 

I demand the immediate removal of this fraudulent account from my credit report and the correction of any associated negative marks. This situation has caused significant XXXX  and damage to my reputation, and I expect prompt action to rectify this issue.
Consumer complaint received 2024-08-24
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. (TX)

I have requested from : XXXX, Experian XXXX XXXX to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and XXXX thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX  acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX acct. ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXXXXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX  acct. ending in XXXX, unknown account. 
XXXXXXXX XXXX XXXX  acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXXXXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX XXXX XXXX  ending in XXXX, unknown account.
Consumer complaint received 2024-08-24
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. (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. 

Account Name XXXX  XXXX Account Number : XXXX Account Name XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

I have been a victim of identity fraud since before the pandemic and I am being treated unfairly about the entire situation. I am being harassed about frivolous credit cards that was supposedly sold to Midland Credit Management but no-one has provided me with wet ink signature or valid identification. If this is not presented I will be forced to seek legal actions because I have stressed these are not my accounts but I continuously been harassed and badgered about the frivolous information. I do not owe Midland Credit
Consumer complaint received 2024-08-24
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. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX
Consumer complaint received 2024-10-17
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. (AR)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.