davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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. (MN)

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON-MAILABLE ADDRESSESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON EMPLOYER IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON NAMES REPORTED IDENTIFIERS : XXXX XXXX XXXX XXXX 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 OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Consumer complaint received 2024-09-16
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)

These inquiries below was NOT AUTHORIZED NO PERMISSIBLE PURPOSE OR OTHER REASON. 15 U.S.C 6802, 15 U.S.C 1681B, 18 U.S.C 1028 H. 

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 XX/XX/XXXX
Consumer complaint received 2024-08-23
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 XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602A. 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
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to formally report an issue with [ Credit Bureau Name ] regarding unauthorized accounts that have been reported on my credit report. I have discovered accounts listed that I did not authorize, which I believe violates my rights under the Fair Credit Reporting Act. 

The accounts in question are as follows : MIDLAND CREDIT MANAGEMENT - XXXX MIDLAND CREDIT MANAGEMENT - XXXX I have taken steps to dispute these entries directly with the credit bureau, but I have not received a satisfactory resolution. I am concerned that this unauthorized reporting may negatively impact my credit score and overall financial standing. 

I kindly request your assistance in investigating this matter and ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this issue
Consumer complaint received 2024-09-15
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. (CA)

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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This account needs to be investigated, as the charge is incorrect. My contract with XXXX XXXX XXXX ended ( XXXX refused to replace a non-working phone after I paid for insurance. I had them for 12 years and I refused to enter another contract to purchase another device because the contract was up and the device paid in full ). I made the switch which the new provider pays any early contract term fees ( but this was not needed because the contract was already up ). This account needs to be verified as correct. Stop putting things on my credit report that you havent properly investigated and when I request an investigation dont give me a status the next day because XXXX XXXX XXXX didnt verify anything with you less than 24 hours later!!!!!!! I want an ACTUAL investigation not you just saying you did one and marking the dispute closed.
Consumer complaint received 2024-10-29
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: ZIONS BANCORPORATION (TX)

Your unauthorized derogatory marks have directly caused loan denials and increased interest rates across my accounts, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.
Consumer complaint received 2024-10-18
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: CBC Companies, Inc. (MI)

A serious problem has arisen with the XXXX credit cards XXXX, XXXX, XXXX, and XXXX that XXXX XXXX XXXX XXXX of chase XXXX XXXX I discovered has lied to me telling that scam XXXX also XXXX XXXX XXXX XXXX fake XXXX XXXX and XXXX working with XXXX fake degrees from XXXX XXXX. As doctor under License no. XXXX and TIN # XXXX and XXXX and now aware from complaint XXXX and XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX that my personal information are used there by XXXX XXXX in an email I received from the XXXX XXXX XXXX XXXX. She lied because I am now informed through XXXX XXXX no. XXXX that the XXXX credit cards used in my name are from XXXX XXXX and those assign claim numbers are XXXX and XXXX all still unpaid, below? 


Why did XXXX XXXX XXXX XXXX?
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : AMEX account number XXXX
Consumer complaint received 2024-09-15
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. (CA)

I open a dispute with experian, I currently have things that are disputed and according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, you violated of my rights by in lawful communications. I was never given and information the stuff thats was added to my credit file I keep opening disputes over has over again and they wont remove them I even sent letter to the creditor to send me a debt statement they never did therefore this shouldnt be on my credit file
Consumer complaint received 2024-09-16
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. (NJ)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-15
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. (IL)

I filed XXXX XXXX XXXX XXXX XXXXXXXX. I have been working on get my credit improved since XXXX. I recently applied for a loan with the credit union I have been with for over 12 years and having excellent payment history, over payment of credit cards, I was informed I had a public record hanging over my credit stating my bankruptcy was still pending!!! It had been discharged over XXXX almost XXXX years ago and this has kept me from making major purchases thru no fault of my own. I know of a person who filed a bankruptcy and within a matter of weeks purchased a brand new vehicle. This bankruptcy not showing its having been discharged has hurt me financially for the past XXXX years!!! I have lived in my home since XXXX, I am driving a XXXX vehicle. I havent been offered any type of credit other then credit cards with high interest rates and I reached out desperately for a loan charging an interest rate of over 36 % because of my credit rating. Had i not contacted XXXX and was informed by my credit union, I was not aware of that bankruptcy still not showing the bankruptcy as being discharged. I informed the lawfirm that filed for me and havent heard back from them. I know my bankruptcy was filed discharged and ordered because I worked for the United States district court my bankruptcy was filed in.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

After applying for a checkings account I was told that there were several inquiries on my consumer report that I did not know about. These fraudulently inquiries affected my ability to open a bank account. I am asking for a copy of my consumer report so that I can dispute the fraudulently information and get it removed. I have previously contacted Chex systematically for my consumer report but it was never received.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (VA)

Experian is not a trustworthy credit reporting service. 

1. Frequent, unsolicited email from Experian even after requesting to be unsubscribed from all emails. Logged on and opted out on all email, and yet they still send me email about my credit report just because they have my email address.

2. Falsely reporting status of my accounts. All are paid as agreed, but Experian is sending out information about delinquencies that don't exist.

3. Still receiving offers of credit in the mail after fully opting out. I logged into Experian and found daily " creditmatch '' inquiries. I did not request this service, and there is no way to get it to stop. They occur every single day over the past year.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX Email : XXXX Phone : XXXX DateXXXX To : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Account Information - XXXX XXXX Dear Sir/Madam, I am writing to dispute the following inaccurate account information on my credit report. I believe the account listed below is not mine, and I have no contract or relationship with the company. Therefore, I request the immediate removal of this account in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Account Information Account Name : XXXX XXXX Account Number : XXXX Account Type : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Past Due Amount : XXXX as of XX/XX/XXXX Since this account is not mine, I request that you remove it from my credit report immediately. Please verify the ownership of this account, and if it can not be substantiated with accurate documentation, it should be deleted from my credit report. 

I kindly request a prompt investigation into this matter, and I would appreciate receiving written confirmation once this error has been rectified. If you require any further information or have any questions, please feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX I sent a certified letter tracking # XXXX to your company demanding an investigation into the accuracy and validity of the following accounts and credit inquiries Please be advised that I have not received any communication in response to my initial letter, and under section 611 of the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies must 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, before the end of the 30-day period beginning on the date on which the agency receives notice of the dispute from the consumer. If a creditor or credit reporting agency does not respond to a dispute or verify an account within 30 days, the account must be removed. 
1. Credit inquiry from XXXX XXXX XXXX XXXXXXXX XXXX 2. Credit inquiry from : XXXX XXXX 3. Credit inquiry from : XXXX XXXX  XXXX Credit inquiry from : XXXX XXXX XXXX XXXX 5. Credit inquiry from : XXXX XXXX XXXX  XXXX 6. Credit inquiry from : XXXX XXXX 7. Credit inquiry from : XXXX XXXX XXXX VIA XXXX XXXX XXXXXXXX 8. Credit inquiry from : XXXX XXXX ALSO IT IS OUTSIDE OF THE STATUE OF LIMITATIONS OF 2 YEARS AS OF XX/XX/XXXX. 
9. Credit inquiry from : XXXX XXXX VIA XXXX XXXX Therefore, I am demanding that due to your companys violation of section 611 of the FCRA , the accounts and inquires listed in the original complaint are permanently removed from my credit report, effective immediately. 
Please note that I am aware of my consumer rights as outlined in the FCRA [ 15 U.S.C. 1681s ], which grants me the right to recover a civil penalty in the amount of {$2500.00} for any company or person who violates the FCRA United States Code. I am also aware that I have the right to seek {$1000.00} per violation as outlined under section 616 of the FCRA [ 15 U.S.C. 1681n ] for each company who obtains a copy of my consumer credit report without my consent. If this account is not deleted from my credit profile, I will file a complaint with the XXXX, CFPB, and will seek civil penalty from the Civil Penalty Fund as outlined in the XXXX Wall Street Reform and Consumer Protection Act of XXXX.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (PA)

Loan on XX/XX/year> for {$600.00} with a 179 % interest rate with over {$2000.00} paid to the loan and payoff of {$2600.00}
Consumer complaint received 2024-09-15
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 writing to formally file a complaint regarding unauthorized credit inquiries made to my credit report. I have discovered several inquiries that I did not approve or authorize, and I am unfamiliar with the companies involved. Additionally, I believe that the credit reporting agencies have shared my personal credit information without my consent.

The following unauthorized inquiries were made to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Reporting Agency : Experian I have not applied for credit with any of these companies, nor have I given them permission to access my credit report. I am concerned that my personal information has been shared without my consent, which is a violation of my rights under the Fair Credit Reporting Act.

I kindly request that your office investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate any guidance on how to address and resolve this issue with the relevant credit reporting agencies.

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (NJ)

Hello The original debtor is XXXX XXXX. I voluntarily had my bad service disconnected at my new location because the service didnt work properly. I talked to them by phone and email trying to resolve the issues. We agreed I would disconnect WITH NO PENALTY since it wasnt my fault. I had several service technicians out and nothing worked. I am attaching several emails of my complaint. XXXX and this collection agency calls me every day from different phones. I feel harassed and I have to keep blocking these numbers from my cell and my business line. How dare they think I should pay early termination fees after agreeing that i didnt have to pay due to bad service. 
I will also attach collection agency letter as well. They are trying ti mess up my credit. Just like the insurance companies when you switch companies.
Consumer complaint received 2024-09-15
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)

I am submitting this FTC Identity Theft Affidavit to report fraudulent accounts on my consumer XXXX credit report that I do not recognize and which are the result of identity theft. These unauthorized accounts include XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX under a unique account number ( not disclosed here I request that these fraudulent entries be removed from my consumer credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws.
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called XXXX XXXX too all for proof of last payment recieved date as well as proof of late payments recieved. They told me they didnt have this information and therefore could not send it to me. If you dont have this information how are you able to verify late payments to XXXX Transunion and XXXX XXXX If you do have this information it needs to be sent to me as I requested to as proof that these supposed late payments are correct. If you can not verify them I request that you remove them as it is illegal to report wrong or unverifiable information on credit reports. Thank you very much.