davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ;XX/XX/XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

First, let me be abundantly clear, Midland Credit Management , Inc . I am well-informed of Case NO : XXXX, where the Bureau of Consumer Financial Protection took action against Asset Acceptance Capital Corp. , Midland Funding , LLC. , Encore Capital Group, Inc., and Midland Credit Management , Inc . Your alleged remark that 'As it was a credit card, the terms and conditions ( cardholder agreement ) that creates the agreement between the parties ' is wholly unacceptable and misleading.

Under 8 ( a ) ( iv ) ( 1 ) in the case that is referenced above, Midland Credit Management , Inc. must comply with my demand. This is not a request ; it is a legal requirement. I demand to see my signature on the alleged cardholder agreement, and I will not allow MCM to make false or misleading statements about me, as this is a violation of 15 U.S. Code 1692E.

Furthermore, your threats towards me are unwarranted and will not be tolerated, as they constitute a direct violation of 15 U.S. Code 1692d. Your complete lack of transparency in response to my legitimate demands regarding the safeguarding and acquisition of my personal information is also a violation of 15 U.S. Code 6801.

Adding to the gravity of this matter is the fact that Midland Credit Management , Inc. has failed to substantiate any of its alleged claims. Ive entered into no business with your company and have no interest in doing business with your company, We have no agreement or arrangement. You have refused to show any contract, whether by terms or by signature showing any such alleged account as you claim, and if you base your claims under the principle of alleged account stated, you are basing it on hearsay, not showing the affidavits proving any such alleged account transactions. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights.

I demand that you close this account within your offices, cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a single XXXX from me, especially over a debt I do not owe.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally report what I firmly believe to be multiple violations of the U.S. Fair Credit Reporting Act because the CRAs failed to validate the status with the lender.

Recently, I obtained copies of my credit report from the three major credit reporting agencies, namely XXXX, XXXX, and TransUnion. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I mailed an authentic document showing pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' I am seeking your intervention now. 

Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as XXXX, XXXX, and TransUnion failed to validate my account information, thus failing to accurately report my account status has cause my recent application to be denied, stipulations for approval of cash down payment of XXXX and continuous denials. 
I have been stressed and having XXXX XXXX XXXX and other emotional trauma I need your help as I have been ignored and subsequently been deleted from XXXX. 


Attached to this letter, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness, and I must stress my overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition to the copies of my credit reports provided, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will intervene and help me to reach a resolution to this urgent matter.
Consumer complaint received 2023-10-11
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. (OH)

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 I reached out to the credit reporting agency to dispute the inaccurate accounts, and unfair reporting of personal private information. These accounts are no showing in all 3 reporting agencies and or the amount due are different along with the time of the accounts. This unfair reporting is causing me and my children financial problems, I am unable to obtain a home due to these reports, and they are damaging to my character.

15 USC 1681 section 602 A States I have the right to privacy, it also states a consumer agency can not furnish a account without my written instructions 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate 15 USC 1681c ( a ) ( 5 ) section states ; No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which end dates by more than 7 years These are the accounts that I am referring to ; 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 2024-08-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (IL)

EDFINANCIAL DEBTED ME A {$2000.00} DEBT I DO NOT OWE AND FAILED TO PROVIED PROOF OF DEBTAND PROOF OF CONTRACT SAYING I AGREED TO THIS DEBT
Consumer complaint received 2023-10-11
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. (TX)

On XXXX and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX and XXXX XXXX data breaches and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (TX)

On XXXX and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax and XXXX XXXX data breaches and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

I Decided to send money via Western Union to my brother because my sister was hospitalized. I wanted the money to be there on time that means the same day money transfer. However, my brother was not able to get the money until now. I requested Western Union to cancel this transaction after several days, but Western Union was not able to send the money me my money back via my account that I made the transaction.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-11
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: EQUIFAX, INC. (NV)

I submitted a letter to the Credit Bureaus to correct these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 
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 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 2023-10-11
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit reportXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed.     Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.
Consumer complaint received 2023-10-11
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-10-11
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. (SC)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XX/XX/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. (SC)

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 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 2024-08-22
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-10-11
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)

The inclusion of this account on my credit report, as I perceive it, constitutes a blatant violation of 15 USC 1681a, the Fair Credit Reporting Act, specifically as stipulated in [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Allow me to elucidate my stance. In accordance with the Truth in Lending Act, 15 USC 1602 ( l ), a " credit card '' is precisely defined as follows : " The term 'credit card ' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

By this unequivocal definition, it becomes patently evident that both my social security card and drivers license, which have been or are utilized for the extension of credit, categorically fall under the purview of " credit cards. '' Given these legal considerations, I emphatically demand the immediate expungement of this account from my consumer report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (CA)

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX ( Original creditor : XX/XX/XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.