davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
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)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2024-07-20
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-07-20
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management , Inc in XXXX, Michigan ( a third party collection agency ) took my XXXX Michigan income tax for a debt belonging to someone else. I was notified in XX/XX/XXXX by Michigan Department of Treasury that they were taking my income tax. I had tried working with Midland Credit Management that this was a case of identify fraud. After making at least XXXX calls and receiving no documentation, they refuse to refund my money. Midland representatives acknowledge there was an error but have not refunded my money. I have spoken to at XXXX or XXXX agents from Midland Credit who all had different stories to tell about this accounts. 


This is everyones worst nightmare.
Consumer complaint received 2024-07-20
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. (GA)

I spoke to a Rep at EXPERIAN, XXXX, XXXX and I also sent in my documents in reference to a BANKRUPTCY appearing on my Credit Report several times. Nothing has been changed on my Credit Report as of today XX/XX/year>
Consumer complaint received 2024-07-20
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. (LA)

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX  and its use of XXXX different debt collection agencies simultaneously to collect a single debt. This practice is not only confusing and harassing but also appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe XXXX XXXX XXXX has violated the following provisions : XXXX. XXXX USC XXXX ( XXXX ) ** : XXXX XXXX XXXX has listed the debt without my written consent. I did not authorize the sharing of my information with multiple debt collection agencies, which constitutes a violation of my privacy rights under this section. 

XXXX. XXXX USC XXXX ( b ) ** : The information being reported by XXXX XXXX XXXX is inaccurate and not up-to-date, given that they are using multiple agencies to collect the same debt. This results in a misleading representation of my creditworthiness. 

XXXX. XXXX USC XXXX : XXXX XXXX XXXX has failed to properly investigate and correct inaccuracies on my credit report. Despite my requests, they have continued to report erroneous information, causing undue harm to my credit standing. 

Details of the debt collection agencies involved are as follows : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I have attached copies of all relevant documentation, including communications with the debt collection companies I request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX complies with all relevant regulations under the FCRA. Additionally, I seek the removal of any inaccurate information from my credit report and cessation of any further attempts to collect this debt in the manner described. 

Furthermore, under XXXX XXXX Code XXXX, XXXX XXXX XXXX is liable for willful non-compliance with the FCRA. If they fail to delete this inaccurate item after my dispute, they owe me {$1000.00} per item for each instance of non-compliance. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Consumer complaint received 2024-07-20
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. (VA)

Hello, my name is XXXX XXXX. 

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 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Subject : Formal Complaint Against XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act and Truth in Lending Act Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The inaccurate reporting on my credit and the deceptive lending practices have caused significant financial and emotional distress. Below are the details of my complaint : 1. Inaccurate Information on Credit Report : Incorrect Address : The address on the original contract was incorrectly listed as " 192 Grifeld Pl '' instead of my actual address : 2. Violations of the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : The inaccuracies on my credit report have not been corrected despite my repeated disputes with XXXX XXXX XXXX XXXX 
Late Payments Reporting : XXXX XXXX XXXX has incorrectly reported late payments on my account, which have significantly impacted my credit score. These late payments are a direct result of the company 's failure to accurately bill and manage my account, not any fault of my own.

3. Violations of the Truth in Lending Act ( TILA ) : Finance Charges ( 15 U.S.C. 1605 ) : According to the TILA, the finance charge should represent the cost of consumer credit as a dollar amount. XXXX XXXX XXXX has included additional fees and charges that are not permissible, violating TILA 's regulations. The finance charge is the only permissible charge when financing, and any extra charges are a violation of 15 U.S.C. 1605.

4.Statutory Damages and Compensation : I seek statutory damages ranging between {$100.00} and {$1000.00} for each violation of the FCRA and TILA.

I request compensation for the financial and emotional distress caused by XXXX XXXX XXXX 's practices since the inception of my contract dated XX/XX/year>. The original contract and details are included below for reference. 

Given the severity of these violations, I urge the CFPB to take immediate action against XXXX XXXX XXXX. I am also requesting that the CFPB ensure the correction of my credit report, removal of all inaccurate information, and enforcement of the statutory fines and compensation for damages incurred. From start date of contract until this matter is resolved Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-07-20
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-20
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-16
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: Upgrade, Inc. (TX)

On XX/XX/year> and XX/XX/year>, I requested a verification of debt servicing and a request for debt validation for both collection and servicing to be able to report this information to my credit report. On both occasions the following companies failed to validate the debt on all 3 bureaus ( XXXX, XXXX XXXX, and XXXX ) : XXXX XXXX XXXX XXXX  Upgrade , INC These three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 Per the laws and regulations stated above, these items must be deleted from my credit report within the next 7 days.
Consumer complaint received 2024-07-20
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)

I have disputed these XXXX loans that are on my report that should not be. I'VE let the bureaus know this loan has been transferred to another company and should not still be reporting on my credit report. The Bureaus Experian and XXXX are telling me they verified the information which is not true. I spoke with two Representative from XXXX which stated they did not verify with them and these accounts should not still be reporting on my credit report. I also have a letter from XXXX that my loans have been transferred to another company.
Consumer complaint received 2024-07-20
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. (MD)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

I am paying XXXX credit relief for old accounts I have paid off several and only have a few left. My XXXX XXXX never moves up past a XXXX which isnt fair if XXXX paying on time and paying off old accounts my XXXX XXXX should reflect that. Also I have several inquiries that I never opened or applied for. XXXX trying to pay off what I owe so I can purchase a house. XXXX frustrated that I am having no luck by reaching out to credit bureau Experian XXXX XXXX, XXXX, I have reached out to them several times and my credit report shows same information. Please help me get these resolved and removed off my reports.
Consumer complaint received 2024-07-20
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-20
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/year> I left the XXXX for a trip to XXXX, XXXX and returned on XX/XX/year>. Upon final return to my long term hotel room on XX/XX/year> that I am utilizing for business purposes on a long term stay I realized that someone had entered my room without authorization and stolen my old wallet, business cellphone, and business debit card under the business name XXXX XXXX XXXX XXXX XXXX. The local police were called and a police report was filed for the items, initial investigation by the hotel shows a key card accessed my room while I was gone but the hotel and police will not release further info to me at this time. I immediately contacted my bank Bank of America on XX/XX/year> and advised them of the matter, ( Claim Number XXXX ) intially I was given a wrong claim number but contacted them again and was given the correct number, someone utilized my debit card at a XXXX for {$2000.00} and XXXX on XX/XX/year> and again on XX/XX/year> for the amount {$2800.00} my claim was denied on XX/XX/year> I was told on XX/XX/year> even the representative reopened the claim saying that it should not have been denied as I faxed in a copy of the police report and a copy of a filed XXXX XXXX report showing that I chartered a private flight showing my departure date on XX/XX/year> and my return on XX/XX/year> additionally I filed a copy of my old Drivers License and new Drivers License from the new State I got a Drivers License in as the old Drivers License which was used to make these purchases had a hole punched in it by the State DMV which indicates to all merchants that this ID was no longer valid this what all State DMV 's do when your issued a new Drivers License to identify that this ID is no longer valid and new one in another State has been issued so the merchant XXXX should have never accepted this ID for these purchases.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Payments in 2024 the amounts of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These payments are missing from my Experian report for XXXX XXXX. 
Experian keeps returning my disputes as completed but nothing has been corrected. 
XXXX and XXXX reports are accurately being reported.
Consumer complaint received 2024-07-20
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. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-20
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX XXXX XXXX  Account NumberXXXX
Consumer complaint received 2024-07-20
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-20
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: ENCORE CAPITAL GROUP INC. (WA)

I have submitted a dispute for incorrect information on my credit report. A debt that has been settled is being reported incorrectly. The debt collectors have settled with me via their lawyer and I have paid in full. I have included all proof of this to transunion. After attempting to submit more proof via their online portal that did not work, the investigation concluded that the debt is accurate when it is not.