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. (PA)

I am a victim of XXXX XXXX, I will attach my letter to the bureau Aswell as my XXXX lettter that is notarized proving my case. Please remove XXXX XXXX XXXX, XXXX, and both XXXX XXXX accounts from my report. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
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. (NY)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for 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 for the account : ( XXXX ) : ( XXXX XXXX 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
Consumer complaint received 2024-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

15 USC 1692c I've never done any business with this company. I don't know who they are. I've never signed a contract with this company before for anything. I never gave written or verbal permission to anyone to pass my information to this 3rd party that I've never heard of.
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. (AZ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, 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. (TX)

This is my third time sending this identity theft affidavit to Equifax, they have accused me of these inquiries while I reported identity theft for this information. Per 605b of the FCRA laws, all information is supposed to be deleted that appears on the ID Theft XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease. 

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX
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)

There some collection accounts that are being reported on my consumer reports that I had no prior knowledge of. These agencies did not give me any notification and decided to report this alleged information on my consumer reports without verifying the debt with me, the consumer first. This violates both the FDCPA and the FCRA. Pursuant to section 809 ( c ) of the FDCPA, failure to dispute the validity of the debt can not be construed as admission of liability. I demand that these accounts are deleted immediately.
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. (NY)

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Recently reviewed a copy of my credit report and noticed I had Hard Inquiries on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (MD)

Hello, I am attempting to reach out to one of my depertment of education loans in regard to removing the negative prior year history being reported on my account. The account was in collection over 2 years ago and in the past two years the account status has changed to closed. The negative history has greatly impacted my last two years of positive credit performance and is effecting my ability to get financing and purchase a home. I have attempted to reach out directly to the department of education via their posted telephone number and have never been able to reach anyone directly. When the account when into collection I was in a bad spot of employment and was not able to keep up with my student loans.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/year> while making a purchase through PayPal Checkout I was prompted with a promotional message saying " Get {$50.00} if approved for the PayPal XXXX XXXX Credit Card '' I went ahead and hit " Apply '' and was approved for the card PayPal XXXX XXXX Credit Card on XX/XX/year>. I have talked to several PayPal customer service agents, and going back and forth between different departments, however they are unable to find any information regarding the {$50.00} promotion for getting approved for PayPal XXXX credit card, and informed me that such a bonus does not exist, or are unaware of such promotion.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

The servicer was changed on my HELOC and the new servicer, Shellpoint, has my payment amount as XXXX and it should be XXXX. It is a HELOC taken out in XXXX and is in a draw period until XXXX. The amount owed has not changed. The rate has not adjusted. I have made several attempts to get an answer and have been told it has been " escalated '' twice after spending a lot of time on hold. I was told on XX/XX/XXXX that I would have an answer by XX/XX/XXXX. I was told around XX/XX/XXXX that i would have an answer by XX/XX/XXXX The next payment is due on XX/XX/XXXX.
Consumer complaint received 2024-07-27
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. (NY)

I received an email offer from experian XXXX weeks ago for a free credit report, and when I signed into my experian online account to make the request for the free credit report I was asked to provide to a card to keep on file. I used a debit card and on XX/XX/2024, there was an authorized charge of {$27.00} from experian. I called experian to dispute the charge and request a refund and the customer service representative refused to allow me to speak to a supervisor nor assist me with having my debit card removed from the experian website, and the representative kept on speaking over me and hung up the phone on me.
Consumer complaint received 2024-07-29
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. (PA)

I found an inaccurate account on my credit report tonight, and I don't know the reason behind it. Upon my regular credit report check, I discovered discrepancies that were never there before. I refreshed my browser, hoping it was a technical issue, but the errors persisted. Therefore, I request a detailed review of the documents I've provided to ensure this never happens again.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent and are the result of identity theft. 

The specific inquiries I am disputing are :XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXXXX/XX/XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these inquiries. Therefore, I am requesting that these inquiries be removed from my credit report immediately. 



Please investigate this matter and remove these inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect to receive a response to my dispute within 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
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)

Experian XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX The late payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is inaccurate and needs to be corrected. My mortgage is not deferred. I am current and not deferred on my mortgage. Please remove the deferred comment. Also, remove the comment of account in forbearance as that is in correct. This is my XXXX request with documentation. XXXXXXXX XXXX XXXX XXXXXXXX XXXX loan XXXX loan was transferred to XXXX XXXX XXXX XX/XX/XXXX. I made the XX/XX/XXXX payment to XXXXXXXX XXXX. Remove the late payment as my account was closed with XXXX XXXX XXXXXXXX XX/XX/XXXX. This is my XXXX request. XXXX. XXXX XXXX Credit Card XXXX account has been paid for in full. Still reporting it as a charge off and written off even in XX/XX/XXXX. This account has been closed and paid off. This is my XXXX request in mail and in writing to correct this account and you are still not reporting it correctly. XXXX. XXXX XXXX. This account has been closed and paid off since XXXX. You are reporting is as a charge off. This is my XXXX request in mail and in writing to correct this account and you are still not reporting it correctly. XXXX. XXXX XXXX XXXX reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my XXXX request in mail and in writing. XXXX. XXXX XXXX XXXXXXXX reporting this as an open account. It has been closed since XXXX and paid as agreed. This is my XXXX request in mail and in writing. XXXX. XXXX XXXX Credit Card. I do not have an open credit card with XXXX XXXX XXXX. You are reporting an open account when I do not even have an open credit card or bank account with this bank. This account was paid in full and closed in XXXX. This is my XXXX XXXX. XXXX XXXX XXXX XXXX do not have an open auto loan with XXXX XXXX XXXX. You are reporting an open account when I do not even have a bank account with this bank. This account was paid in full and closed in XXXX. This is my XXXX request.
Consumer complaint received 2024-07-29
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the Metro 2 reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

I hereby express my profound disappointment and concern regarding the infringement upon my rights. I have meticulously outlined the various issues pertaining to your reporting in the accompanying document. Regrettably, it appears that the aforementioned document is both inadequate and fails to meet the standards that I deem acceptable. I would like to remind you that in accordance with the law, it is imperative that you duly certify all aspects of the required FCRA/Metro 2 compliance, ensuring that such certification is executed truthfully, correctly ( in a timely fashion ), and comprehensively and accurately. Failure to adhere to these obligations may necessitate my escalation of these matters to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my respective Attorney General.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services (FL)

I have called so my times regarding disputes comments I need to remove from my XXXX  account and XXXX credit bureau been going on since XX/XX/XXXX I'm in a process of buying a house with that disputes comments I'm going to be homeless by XX/XX/XXXX with my family I don't know what's else to do I already send a letter regarding the same thing I need help the disputes comments most remove ASAP I do not want to disputes the XXXX  and XXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).