davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

While checking my credit report a few months back, I noticed errors concerning the account for MIDLANDCRE ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Consumer complaint received 2024-07-26
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-26
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. (OH)

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 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 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

" 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 XXXX  XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-26
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
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)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2024-07-27
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)

XXXX XXXX WAS DEDUCTED FROM MY XXXX SCORE FOR ABSOLUTELY NO REASON. AND THAT IS UNFAIR UNDER THE FCRA. RECEIVED AN ALERT FROM EXPERIAN THAT THERE WAS A NEW INQUIRY THAT RECENTLY TOOK PLACE ON MY CREDIT REPORT. BUT THAT MESSAGE IS ERRONEOUS. FOR, EVERY REPRESENTATIVES THAT I SPOKE TO FOUND EVERY OTHER ALERTS THAT WAS SENT TO ME FROM THEIR SYSTEM. BUT NOTHING REGARDING THE MESSAGE IN QUESTION. SO, I KNOW IT IS AN ERRONEOUS MESSAGE THAT MUST BE RECTIFIED. UNDER THE FCRA YOU CAN NOT TAKE AWAY POINTS FROM ANYONE 'S SCORE WITHOUT PROOF OF THE INQUIRY. INQUIRIES SHOW UP ALMOST INSTANTLY. IT IS GOING ON XXXX WEEKS AND I'M STILL WAITING ON THAT INQUIRY TO SHOW UP ON MY CREDIT REPORT -- -- -- -- -- -- IT HAS YET TO APPEAR. THAT IS WRONG. THERE ARE LAWS THAT PROTECT CONSUMERS AGAINST THOSE TYPES OF UNNECESSARY DEDUCTIONS OF ONE 'S CREDIT SCORES. PLEASE! RECTIFY THIS SITUATION, AND I WOULD LIKE TO HAVE THIS MATTER RESOLVED IMMEDIATELY.
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: ENCORE CAPITAL GROUP INC. (CT)

A XXXX XXXX was applied for and opened in my name on XX/XX/2022 with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to XXXX as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them
Consumer complaint received 2024-07-26
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 was looking at my credit report and saw collections there. It says that I owe a lot of money, but I dont know what it is for. Someone may have used my personal information XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-02-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2024-07-26
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. (NV)

Upon checking my credit report, I have found out that I have a fraudulent account that is getting actively reported on my credit report the account name is XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), this account is fraudulent, and I need it removed from my credit report. Also I have found fraudulent hard inquiries on my credit report that are not mine the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo, XX/XX/XXXX. XXXX XXXX XXXXXXXX, XX/XX/XXXX. I try to open up an account, but due to hackers, suspicious activities disable me from opening an account with either one of them.
Consumer complaint received 2024-07-26
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)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (GA)

I ordered a XXXX XXXX and installation supplies from XXXX using Synchrony XXXX XXXX XXXX XXXX  loan. The gas dryer was not taken off of the truck on XXXX because I need an XXXX XXXX. The refund for the gas dryer and installation was to occur and has not been applied. My account continues to show the gas dryer and installation pieces for me to pay. I never received the products in my home. XXXX 's has repeatedly not refunded back to Synchrony and Synchrony continues to wait on XXXX to refund the monies. I'm stuck in the middle as the consumer and both companies are stealing from me because I don't have the product. Please help.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (TX)

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (CO)

I have submitted more than XXXX disputes for these accounts with no resolution to date. The latest XXXX being dated XX/XX/XXXX. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 and 12 CFR 1022.24 - Reasonable opportunity to opt out. Reasonable opportunity to opt out because I was never notified that my nonpublic personal information was going to be shared to nonaffiliated third parties. In addition, per all contracts that are currently held have this statement, 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Several other violations are occurring because of the information listed on my consumer report. As you can see in the attachment of the three credit agencies, must comply with, 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 6801 - Protection of nonpublic personal information, [ 15 U.S.C. 1681s-2 ], 607. Compliance procedures [ 15 U.S.C. 1681e ], 15 U.S. Code 1681e - Compliance procedures, 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2, Opt-Out Requirement ( 15 U.S. Code 6802 ( b ) ( 1 ) ), 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 16 CFR 313Privacy of Consumer Financial Information and 313.7 Form of opt out notice to consumers ; opt out methods, the model privacy form was not presented nor made in clear and conspicuous manner, 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX, all contracts have this statement on them so it applies to them, and the Privacy act of 1974. The accounts across them are not accurate. Thank you in advance for deleting these accounts or be liable under, 15 U.S. Code 1681n - Civil liability for willful noncompliance and or, 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tennessee XXXX XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Re : Incorrect Address and Bankruptcy Reporting Final Notice Before Legal Action** To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report despite multiple previous disputes. This letter serves as a final notice before I pursue legal action against Experian for damages related to these inaccuracies. 

Address Discrepancy Despite providing multiple forms of proof, including my driver 's license and a bill showing my correct address as XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX, Experian continues to report an incorrect address ( XXXXXXXX XXXX XXXX XXXXXXXX, Tennessee XXXX ) on my credit report. This erroneous address has been attributed to a mental health facility, which is both false and damaging to my reputation. 

XXXX and XXXX have both corrected my address over a year ago upon receiving the same documentation. I demand that Experian immediately rectify this error. The continued incorrect reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. 

Bankruptcy Reporting Furthermore, I have previously disputed the bankruptcy information on my credit report. I requested details on how this information was verified, as the bankruptcy court does not provide such information to third parties. Experian has failed to provide the method of verification as required under the FCRA, specifically Section 609 ( 15 U.S.C. 1681g ). Without this verification, the reported bankruptcy should be removed from my credit report. 

Legal Consequences This letter serves as a formal notice that if Experian does not correct these inaccuracies within 15 days, I will have no choice but to file a lawsuit against Experian for damages resulting from your noncompliance with the FCRA. This includes, but is not limited to, defamation, financial losses, and emotional distress caused by your continued negligence. 

Report Numbers for Reference : - Report Number XXXX, Date Generated : XX/XX/year> - Report Number XXXX, Date Generated : XX/XX/year> -Report Number XXXX, Date Generated : XX/XX/year> - Report Number XXXX, Date Generated : XX/XX/year> I am also sending copies of this letter, along with all the disputed reports where you falsely claimed verification, to the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and the Attorney General 's office. 

Please confirm in writing that these corrections have been made. I expect this matter to be resolved promptly to avoid legal action. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Attorney General 's Office