davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-30
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. (NJ)

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 XXXX 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AR)

In XX/XX/XXXX, I was notified by the HR Department of my full-time employer that my pay would be garnished to satisfy a debt regarding paperwork filed by XXXXXXXX XXXX  XXXX on behalf of Midland Credit . The amount of {$280.00} was deducted twice per month during each pay period from XX/XX/XXXX to XX/XX/XXXX. The HR employee told me that the amount of the debt to be collected is {$4600.00}, which was the amount withheld from my paycheck over the 8 month period. I contacted the Payroll Department in XX/XX/XXXX as the garnishment was nearing completion to ensure that my normal pay would resume after XX/XX/XXXX. I was told that the debt would be satisfied at that time. After XX/XX/XXXX, my pay resumed and payroll records show that {$4600.00} was withheld from my paycheck and sent to XXXX XXXX XXXX. I was thankful that this matter was resolved and relieved so that I can move on with my life. 

On Monday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX indicating that they had sent the same writ of garnishment filed XX/XX/XXXX to a part-time employer. This writ of garnishment is the same as the one satisfied by payroll from my full time employer for {$4600.00}. It was filed less than one month after the debt had been paid by my payroll from the full-time employer. Additionally, XXXX XXXX XXXX added interest fees to this writ of garnishment for {$260.00}. XXXX XXXX XXXX have begun collecting money from my second employer, which is a part-time contract basis role. They collected {$130.00} on XX/XX/XXXX. This is clearly an overpayment as this debt was resolved in XX/XX/XXXX through my payroll from my full-time employer. 

I am greatly concerned that XXXX XXXX XXXX are trying to collect more money than they are owed for a debt that has been paid as of XX/XX/XXXX. I am requesting that the writ of garnishment sent to the second employer be withdrawn and the employer be provided with instructions to discontinue withholding money from my paycheck. I have included the writ of garnishment filed on XX/XX/XXXX, which was sent to the second employer after the debt was paid in full to XXXX XXXX XXXX in XX/XX/XXXX. I also want all overpayments immediately refunded to me.
Consumer complaint received 2024-09-30
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. (NJ)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 


Items that need to be disputed : XXXX For FTC XXXX XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX CARD Date of Inquiry XX/XX/XXXX XXXX  For FTC XXXX XXXX CARD XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX For FTC XXXX XXXX CARD XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} - Late/closed
Consumer complaint received 2024-09-30
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)

I have tried to have these improper items that are negatively reporting on my credit report removed due to violation of my privacy rights, defamation of character, and the main reason, which is I never gave consent to report these items on my report. 

The following late payments are a part of the hinderance on my personal reports. 

XXXX XXXX - XXXX - {$25.00} XXXX XXXX - XXXX - {$60.00} XXXX XXXX XXXX XXXX - {$530.00}
Consumer complaint received 2024-09-30
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)

Name : XXXX XXXX DOB : XX/XX/year>XXXX  SS : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX with a balance of {$9000.00}, XXXX XXXX with a balance of {$700.00}, XXXX  XXXX with a balance of {$820.00}, XXXX with a balance of {$13000.00}, XXXX XXXX with a balance of {$920.00}, XXXX XXXX with a balance of {$780.00}, XXXX XXXX with a balance of {$580.00}, XXXX with a balance of {$2700.00}, XXXX XXXX  with a balance of {$2100.00}, XXXX  XXXX Bankruptcy with a balance of {$0.00}, XXXX XXXX ( inquiry ) and XXXX XXXX XXXX ( inquiry ). 

These accounts have resulted in serval 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 mentioned 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 the FTC identity theft Criminal Complaint # XXXX and # XXXX 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Recently I looked a copy of my credit report and noticed erroneous, and inaccuracy information on my report. Those accounts are hurting my ability to obtain credit. It is my understanding that these items must be investigated to ensure accuracy. 1. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  Acc. # XXXX XXXX XXXX XXXX. # XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I noticed that I had requested a change of address, and this report # XXXX Still shows inaccurate address. My actual address is XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX FL XXXX. Please update the address. I sent documents supporting the right address.
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: EQUIFAX, INC. (MI)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify credit reporting agency to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX and XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX and XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX and XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
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: EQUIFAX, INC. (PA)

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-30
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. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-07
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. (FL)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. 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.
Consumer complaint received 2024-09-30
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. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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: EQUIFAX, INC. (GA)

Formal Demand for Immediate Removal of Late Payment Entries Account No. XXXX Dear XXXX, I am writing to demand the immediate removal of the late payment entries associated with my auto loan account at XXXX XXXX XXXX XXXX XXXX ), account number XXXX, from my credit report. While I acknowledge that I made some late payments, I believe it is illegal and unfair for you to continue reporting these negative entries, and I am formally requesting that you remove them within 24 hours of receipt of this letter.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and fair. Reporting late payments, especially after a consumer has made efforts to bring their account into good standing, is neither fair nor reflective of my overall creditworthiness. The FCRA mandates that credit bureaus must remove or correct inaccurate, incomplete, or unverifiable information from credit reports. These late payment entries, given my repayment efforts and the context of the situation, should not be reported, as doing so constitutes continued damage to my credit profile.

Additionally, under 15 U.S.C. 1681c, certain outdated or irrelevant information, including negative payment history, may no longer be reportable after a certain time. In this case, continued reporting of these late payments is disproportionate and harmful to my financial recovery. The law supports a balanced and fair reporting system, and reporting my late payments with no context or regard for my improved standing is a violation of that principle.

I expect the removal of these late payment entries within 24 hours of receipt of this letter. Failure to comply with this request may result in legal action, including claims for damages and enforcement of my rights under the FCRA.

Please send me written confirmation once the late payment entries have been removed from my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX is incorrectly showing a high / inaccurate balance from an original creditor on my report. It shows a high balance of {$2400.00}. I have statements from XXXX for the same account showing high balances of {$2500.00} and {$2500.00} neither of which are the original High Balance on the original account or the high balance when it was received by XXXX XXXX.
Consumer complaint received 2024-08-21
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. (FL)

I am filing this complaint against XXXX for violating my educational privacy rights under the Family Educational Rights and Privacy Act ( 20 U.S.C. 1232g ) and the implementing regulations ( 34 CFR Part 99 ). 

Detailed Explanation : XXXX. Background Information : XXXX has improperly disclosed my student loan information to third parties, including credit reporting agencies, without my consent or proper authorization. This disclosure violates my rights under FERPA. 
XXXX. Legal References : Under 20 U.S.C. 1232g and 34 CFR Part 99, my educational records, including student loan information, are protected by federal law. XXXX, as a servicer of federally-backed student loans, is required to adhere to these privacy protections. 
XXXX. Impact on You : The unauthorized disclosure of my student loan information has negatively impacted my credit score and caused financial harm. It also represents a breach of my rights to privacy regarding my educational records. 
XXXX. Previous Attempts to Resolve : I have contacted XXXX previously to address this issue, but they have failed to take corrective action to protect my privacy rights under FERPA.
Consumer complaint received 2024-09-30
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) 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. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX XXXX OF XXXX Account # **** is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX OF XXXX Account # **** is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-30
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 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX