davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
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. (MD)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-28
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. (FL)

Subject : Complaint Against [ Experian ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Experian ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ Experian ]. 
Account Information : Creditor Name : XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ Experian ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and XXXX 
The violations committed by [ Experian ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ Experian ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Experian ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ Experian ] accountable for their actions. 
Sincerely,
Consumer complaint received 2024-07-28
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX I looked at my Experian, XXXX & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-02
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: NAVY FEDERAL CREDIT UNION (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (SC)

XXXX Midland Management filed a Summon/Complaint Case Number XXXX I am writing to file a formal complaint against Midland Management regarding their handling of a debt collection case that involves several violations of my consumer rights. 

Midland Management has recently filed a civil case against me under a name that is not recognizable to me. They have been persistently harassing me for a debt that I do not owe. Moreover, I was forced to pick up paperwork at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, which I believe pertains to an incorrect person and address. 

This situation began when I noticed Midland Management listed on my credit report and sought to verify the accuracy of the information. During this process, it became evident that the information was filed incorrectly. Since then, I have been subjected to daily stalking and harassment by Midland Management Inc. 

Midland Management 's actions constitute a clear violation of my consumer rights, specifically : 1. Filing a case in the wrong jurisdiction.

2. Harassment and undue stress related to a debt that is not mine.

I request that the CFPB investigate Midland Management 's practices in this matter and take appropriate action to rectify the situation. Enclosed with this letter is a copy of the relevant documentation for your reference.
Consumer complaint received 2024-07-28
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 recently reviewed my credit report and noticed an account that was not reporting accurately. It shows 7 late payments, starting with ( " 60 '' days late ), 1 month showing " No Data '', and I in fact paid on time. The consumer reporting agencies need to report all information complete and accurately. I've attached a copy of the report with this complaint, on account ( XXXX XXXX XXXX Acct # ( XXXX ) Opened XX/XX/year>. ) I'm asking you to investigate this account and update these payments to " Paid on Time '' immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-28
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)

Please be apprised that you are in direct violation of the XXXX XXXX Collections Practices XXXX. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under XXXX XXXX XXXX ( g ) Section XXXX ( b ) Communicating with a debtor after receiving a cease and desist certified mail under XXXX XXXX XXXX ( g ) Section XXXX ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, XXXX XXXX ( g ) Section XXXX ( XXXX ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-07-28
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. (PA)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Consumer complaint received 2024-07-28
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. (DE)

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.
Consumer complaint received 2024-07-28
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. (GA)

I recently pulled my credit report and noticed an account I wasn't familiar with. I sent this company a debt validation letter on XX/XX/XXXX for the company to validate that this debt belongs to me. Under 15 u.s. code s 1692g validation of debt. This company failed to validate the debt with the required documentation and didn't respond at all. After 38 days of the letter being sent out this company started calling me to collect on the debt for the first time since the debt reported on my credit bureau. After i asked this company to cease and desist any communication per debt validation letter until the debt is verified. this company called on XX/XX/XXXXXXXX XXXX XXXX  after i asked to stop all communication via phone and response by mail.
Consumer complaint received 2024-07-28
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. (GA)

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons : Your agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows High Credit reporting {$1000.00} on Experian & {$240.00} on XXXX XXXX INACCURATE! Account Status shows on One Report XXXX XXXX Experian reporting Derogatory, & XXXX reports Transferred. The other report shows Experian reporting Transferred, XXXX reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on one report XXXX reports XX/XX/XXXX, Experian XXXX XXXX reports XX/XX/XXXX. One Report reports XXXX XXXX Experian shows Collection/Chargeoff XXXX XXXX XXXX XXXX. INACCURATE! Comments show on one report Experian reports Current & XXXX reports Collection/Chargeoff. Comments show on second report Charged off as bad debt. Purchased by another lender reported by XXXX, Experian reports the name of the 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE DATA REPORTING! On second report XXXX XXXX XXXX XXXX XXXX XXXX ] shows Last Reported : Experian reports XX/XX/XXXXXXXX XXXX  XXXX reports XX/XX/XXXX. 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XX/XX/XXXX. ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (GA)

company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection. The law clearly states that : IN GENERAL ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This agency is in violation of 15 U.S. Code 1692c.
Consumer complaint received 2024-07-28
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. (GA)

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by XXXX, {$0.00} by Experian, XXXX {$300.00} by XXXX. INACCURATE. Date last reported XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, XX/XX/XXXX by XXXX. Payment History Reporting ok on XXXX ONLY ( XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX ) XXXX & Experian reports Date of Last XXXX XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by XXXX, Payment after charge off/collection..Dispute resolved, Experian reports Dispute resolved due to, Unpaid balance reported as a loss ( Debt Cancellation ), & XXXX reports, Paid charge off. Accounts closed. Date Last Active, XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by XXXX XXXX Experian, & {$0.00} by XXXX. Account Status shows PAID reported by XXXX XXXX Experian yet XXXX reports Derogatory!! Date Opened reported by XXXX is XX/XX/XXXX yet Experian XXXX XXXX reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer report from XX/XX/XXXX. ) In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer report.
Consumer complaint received 2024-07-28
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)

I am writing to formally dispute an incorrect entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, and the relevant provisions of the United States Code 15 U.S.C. 1681 and 15 U.S.C. 1681n, I am requesting immediate action to correct this error. 

XXXX XXXX XXXX Account Name/Number : XXXX Collection account that does not belong to me. Company does not have a signed contract with my signature. Company is not the original creditor and has never received permission from me to obtain or list anything on my credit file. There is no contract between me and this company. 

The inaccurate information listed has resulted in significant harm to my credit profile and has caused me undue stress. Under 15 U.S.C. 1681n, I am entitled to seek damages for the negligent or willful non-compliance related to the accuracy of my credit report. 
In light of this, I request the following actions : 1.Immediate Correction : Please remove the erroneous entry from my credit report.

2.Confirmation of Correction : Provide written confirmation once the correction has been made, ensuring that my credit report accurately reflects my true credit history.

3.Compensation : As permitted under 15 U.S.C. 1681n, I am requesting {$1000.00} in damages for the inconvenience and harm caused by the incorrect reporting.
Consumer complaint received 2024-07-28
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. (PA)

What Happened? 

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. XXXXumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX account number ending XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!
Consumer complaint received 2024-07-28
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: Experian Information Solutions Inc. (GA)

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. 
This is a violation of 15 USC 1681B : permissible purpose of consumer reports, and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX