davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

Around XX/XX/XXXX of XXXX, I received a letter regarding an attempt to collect a debt from a XXXX XXXX  credit card from a Loan Management company called Midland Credit Management Inc regarding said credit card amount, the problem is is that I have never had a XXXX XXXX  Credit Card, and according to the paperwork from the law firm involved. I attempted to get in contact with the law firm in question- within the time that hey had requested - I had a lawsuit filed against me. They did in fact send me information regarding the credit card- after notifying me of the law suit therefore after the first notification about the attempt to collect, and in that said packet they did provide a date in which the account was open which was XXXX of XXXX ; I was XXXX XXXX XXXX in XXXX, I do not believe that XXXX XXXX would knowingly allow a XXXX to have a credit card. I also did not possess a XXXX XXXX until around the year XXXX ( Thanks to student loans )
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX BANK - XXXX - XX/XX/year> - {$00.00} 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 2017-12-12
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. (NC)

Hello, My name is XXXX XXXX XXXX. I am XXXX years old. I am a senior citizen. I am an XXXX veteran of the United States of America. I object to being treated like this. 
My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of. 
This needs to stopped. 
I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Upon reviewing my consumers report, I noticed that there were several accounts listed that are not mines. These accounts do not belong to me. 
Here are the accounts listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and Transunion. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received NO RESPONSE to both mailings. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted received on XX/XX/year> still with NO RESPONSE. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-10-03
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. (NC)

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN:XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-03
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. (VA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-03
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)

XXXX XXXX  sold and DELETED my mortgage account I had with them, account # XXXX without my permission to another lender, XXXX XXXX On my credit report it does not show a mortgage on all XXXX Bureaus, XXXX, Experian or XXXX. I am currently paying my mortgage and have never missed with XXXX XXXX or the new XXXX XXXX XXXX. This is a blatant violation of my rights & caused damage to my credit profile. FCRA ( 15.U.S.C 1681s-29a ) ) explicitly requires furnisher of information to accurately report data to the credit bureaus. XXXXXXXX XXXX 's arbitrary deletion of positive information constitutes reckless disregard for accuracy & is the cause for potentional unfair credit denials. By removing accurate & positive information specifically, my long-standing record of timely mortgage XXXX Bank has engaged XXXX XXXX practices that violates both the letter & the spirit of the law. Removing accurate positive history from my credit report without valid reason is not only inaccurate reporting but also a direct infringement of my consumers rights under 15u.S.C.1681 ( a ). FCRA Section 611 ( a ) ( 1 ) ( A ) I strongly request that this matter thoroughly investigated by the CFPB. The credit report agencies with XXXX, XXXX XXXX reinstate and post my positive credit history & provide verification of the information. 
Restore my positive credit history and post my new Mortgage with XXXX XXXX
Consumer complaint received 2024-10-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03
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. (OH)

XX/XX/year> Dear Experian, XXXX, XXXX XXXX XXXX, am writing to dispute claims that are falsely listed on my consumer report. The following accounts are fraudulent, and I have NO KNOWLEDGE of them. I am requesting that these items be removed from my report immediately. The details of the accounts in question are as follows : XXXX. XXXX XXXX Account Number : XXXX Reported Balance : {$220.00} Reported Status : Open, {$220.00} past due as of XX/XX/year> Dispute : I have never opened or had any association with this account. It is fraudulent, and I am requesting that it be removed from my credit report immediately. Attached is supporting evidence, including a police report and FTC Identity Theft Report. 
XXXX. Extra Account Number : XXXX Reported Balance : {$0.00} ( Closed due to inactivity ) Dispute : I have no knowledge of this account and have never conducted business with this company. The account is fraudulent, and I am requesting that it be removed from my credit report immediately. Supporting documents are attached. 
XXXX. XXXX XXXX Account Number : XXXX Reported Balance : {$9800.00} ( charged off, past due ) Dispute : This account is unfamiliar to me. I have never taken out a loan with this company or authorized this debt. I request that this fraudulent account be removed from my credit report immediately. Evidence is attached. 

I am providing a copy of my police report and FTC Identity Theft Report as additional proof to support my claim. Please remove these items from my consumer report promptly. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-10-21
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. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: El Dorado Financial, Inc. DBA Omni Financial (RI)

I am on the do not call list and I got a call this morning at my work, from Omni Financial stating they got my number from public records to lower my interest. I am furious I received this call at work. XXXX How can they get my work no from public records and not show up as do not call list. 

XXXX XXXX XXXX
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

This complaint is regarding PayPal Credit formerly XXXX XXXX XXXX. I have been a consumer of this account I believe for more than 10 years ... The account remaining in good standing. Since PayPal Credit has taken over the account there seems to now be issues with the company receiving my payments in a timely manner. This has and is causing my account to occur late fees. It appears the action of not receiving the payments on time is being done sporadically. I have since closed the account after complaining to the company and they informing me there is nothing they can do about the problem. Payment was mailed on XX/XX/XXXX for a payment date of XX/XX/XXXX. Payment never received and not returned undeliverable. Payment mailed XX/XX/XXXX for a payment due date of XX/XX/XXXX. Payment never received and not returned as undeliverable. Payment mailed XX/XX/XXXX for due date of XX/XX/XXXX. As of XX/XX/XXXX payment has not be received. I believe all of these payments were mailed in more than enough time to be received as similar payments have been made to the same company on or around the same dates and those payments were received on time. XX/XX/XXXX payment was mailed XX/XX/XXXX and cleared on XX/XX/XXXX and XX/XX/XXXX payment mailed XX/XX/XXXX XX/XX/XXXX and cleared XX/XX/XXXX.  The only thing that was suggested to me to avoid late fees on the account was to either call in payment or set up an online account to a sure on time payments. The consumer should not have to be FORCED to call in or pay online to avoid late fees when payments are, being mailed in a timely manner, because business has no payment centers to receive payments other than the above options. I am filing this compliant because I believe this is a deliberate attempt to get the consumer to stop making payments via paper statements.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-10-11
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. (PA)

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. 
On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. 
On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. 
Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. 

Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. 
2. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a XXXX time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. 
XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from XXXX XXXX XXXX The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 
5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. 

**ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXXXXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED**
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX. HAS VIOLATED MY RIGHT. 
12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER
Consumer complaint received 2024-10-03
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-03
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. (IL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is still reporting on my XXXX and Experian report. Its been removed from XXXX. I was told that its not reporting on my credit report it still is. XXXX XXXX has stopped all calls and email regarding the debt. It was stated that its no long reporting on my credit report.