davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (MD)

I am writing to report an incident of fraudulent activity perpetrated by XXXX, a telecommunications company. On XX/XX/2024 I discovered that a charge of {$440.00} had been placed on my credit file without my authorization. Upon investigation, it was revealed that XXXX was responsible for this unauthorized transaction. I called XXXX, and I was informed that they did not have any information on the file. I promptly contacted XXXX 's customer service to rectify the situation, but I encountered significant obstacles in resolving the issue. Despite providing evidence of the fraudulent charge and requesting its removal from my credit file, XXXX failed to take appropriate action. As a consumer, I am deeply concerned about the security of my personal information and the integrity of financial transactions. This incident has not only caused financial XXXX but also eroded my trust in XXXX as a service provider. I urge the Federal Trade Commission to investigate this matter thoroughly and take necessary actions to hold XXXX accountable for its negligence and fraudulent practices. Additionally, I request assistance in expediting the removal of the unauthorized charge from my credit file and restoring my financial security. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-09-24
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. (NC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681. XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE 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 } SECTIONS STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY SEVEN YEARS. 15 U.S.C. 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THEPERSON KNOWS OR REASONABLE CAUSE TO BELIEVE THAT THAT THEINFORMATION IS INACCURATE.
Consumer complaint received 2023-03-14
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. (PA)

I hired a credit reporting agency, XXXX XXXX XXXX to handle all the discrepancies on my Trans Union XXXX credit reports after several letters to the credit agencies, they have failed to respond back and they have failed to remove any negative items that were discrepancies on my credit report I file XXXX XXXX bankruptcy there are still accounts showing on my credit report as negative under the XXXX XXXX, but they are not being handled the correct way XXXX XXXX XXXX has assumed power of attorney over my credit. The two have not received anything back after several letters to these agencies. This is negative negatively affecting my credit and no one has doing anything to help or fix or remedy the problem.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing on behalf of XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX Texas XXXX, to address a serious matter regarding the unauthorized and uncompensated use of his source data by XXXX Continues to report two separate capital once card, one capital one auto finance, XXXX XXXX  and XXXX XXXX XXXX  account without proper authorization and validations and against federal laws not performing proper investigation into securities fraud, improper use of private information without authorization and identity theft
Consumer complaint received 2024-06-25
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. (PA)

I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from [ XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.
Consumer complaint received 2024-09-24
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. (TN)

This account was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/year> and on XXXX its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Consumer complaint received 2024-09-24
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 HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS BELOW ARE WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/year>,, THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

1 ) XXXX XXXX XXXXXXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

2 ) XXXX XXXX XXXX XXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC (GA)

Sometime in XXXX I received a credit card bill from XXXX XXXX XXXX XXXX for an account ending in XXXX. I was never a member of the credit union, I never applied for a credit card, I never possessed or used a XXXX XXXX XXXX XXXX credit card. I called XXXX XXXX XXXX XXXX and I was told that they had evidence that this was an identity theft and a fraud. They told me not to worry, that the request of payment would stop. They stopped sending the bill but sometime in XXXX I received a letter from Apelles Collection agency ( XXXX XXXX XXXXXXXX XXXX OH XXXX ) requesting payment. I replied that this was not my debt. I called again XXXX XXXX and was told that they knew it was not my debt and that the payment request would stop. The collection agency stopped its request until now. On XX/XX/XXXX I received a new request of payment from the collection agency. I called again XXXX XXXX XXXX XXXX. This time they told me that the only thing I could do was to file an appeal.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I requested in writing debt validation and or the 1099-C regarding the alleged debt associated with my name, As per the FDCPA, I am entitled to receive validation of the debt, including but not limited to Disclosure proving the debt amount of payment. The original collectors debt history and an itemization of all of the payment history. The original contract with my wet signature, all of the credits I may have calculated applied and any additional fees. Any disputed interest or charges and also if the debt was canceled a copy of the 1099-C, which reflects the cancellation of my debt. This document is essential for me to properly address any tax responsibilities and navigate my current financial situation.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 3rd party. They in fact did not come from a 3rd 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 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-12
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. (GA)

I REQUESTED IT A VALIDATION OF DEBT FROM MIDLAND CREDIT MANAGEMENT AND THE RETURN RESPONSE WAS A CREDIT CARD STATEMENT. CREDIT CARD STATEMENTS ARE HEARSAY IN THE COURT OF LAW. MIDLAND HAS NOT PROVIDED THE PROPER DOCUMENTATION TO VALIDATE DEBT FOR ACCOUNT THEREFORE THE DEBT HAS TO BE REMOVED. MIDLAND CREDIT MANAGEMENT HAS FILED A LAWSUIT AGAINST ME FOR A FRAUDULENT DEBT. ATTACHED IS THE DEBT VALIDATION LETTER SENT TO MIDLAND, THE 2ND REQUEST FOR DEBT VALIDATION, MIDLAND RESPONSE TO THE 1ST DEBT VALIDATION, MY COUNTER SUIT, ALONG WITH CERTIFIED RECEIPTS.
Consumer complaint received 2024-08-12
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. (CA)

a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party
Consumer complaint received 2024-09-24
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. (AZ)

After reviewing my credit report i noticed there were multiple accounts listed that do not belong to me. These accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bal- {$5200.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$13000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bal- {$4300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bal- {$840.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$860.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$560.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
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. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following XXXX XXXX XXXX XXXX inquiry date. XX/XX/XXXX XXXX inquiry date. XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX inquiry date. XX/XX/XXXX XXXX XXXX  inquiry date. XX/XX/XXXX
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (PA)

A collection account showed up on my credit report. I contacted XXXX XXXX XXXX to find out why. I was informed that the {$380.00} collection was for XXXXXXXX XXXX. I have paid that card off on XXXX XXXX XXXX and closed the account. I filed a dispute with all three credit agencies. All XXXX did not fully investigate this dispute to discover that this debt was paid more than 20 days before XXXX XXXX XXXX received the collection account on XX/XX/2023. All of this information remains on my credit report.
Consumer complaint received 2024-09-24
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. (AR)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.