davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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 : XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' The Gramm-Leach-Bliley Act ( GLBA ) of 1999 protects consumers ' financial privacy by limiting when financial institutions can share nonpublic personal information ( NPI ) with nonaffiliated third parties. NPI includes : Personally identifiable financial information provided by a consumer Information from a transaction or service performed for the consumer Other information obtained by the financial institution The Gramm-Leach-Bliley Act ( GLBA ) has several penalties for noncompliance, including fines, imprisonment, and license revocation : Financial institutions : Can be fined up to {$100000.00} per violation Directors and officers : Can be fined up to {$10000.00} per violation and held personally liable Individuals : Can be fined up to {$10000.00} per violation and sentenced to up to XXXX years in prison Licenses : Can be revoked
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-03
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)

XX/XX/XXXX, an auto loan was opened under my credit. My XXXX  sister and her boyfriend bought a car through XXXX. XX/XX/XXXX my XXXX  sister applied for a car, this hit my credit 5 times. Supposedly, the XXXX only used her social security number but my credit report showed up and she was approved through my credit score. I now have her name, employment, addresses, name, and phone number on my credit report along with her new car loan and her boyfriends. Its affected my credit score. I want her loans and all her information deleted from my credit, and my score back!
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Their is inaccurate information being reported to all 3 credit bureaus concerning 3 closed accounts that have inaccurate information on it ( several late payments/derogatory ). 

EquiFax EquiFax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX To Whom It May Concern : This letter is regarding accounts that you claim derogatory information/late payments on these 3 closed accounts. This is formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-B ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC ; XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

I paid for a XXXX and was very misled. The air did not work. The place was Dirty the sink was stopped up and I did not stay there and I let the company know and I have been trying to dispute it and sent them all of the information and they were very misleading and would not return my money
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NY)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (AZ)

I am writing to formally dispute a debt that has recently led to a court order to garnish my wages from Midland Funding LLC. I was made aware of this action in XX/XX/XXXX and am deeply concerned about its validity, given the age of the alleged debt and my lack of awareness regarding it. 

The debt in question dates back to XXXX, and I believe it should no longer be reportable or actionable under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. According to the FCRA, negative information such as this should only remain on my credit report for a maximum of 7 years from the date of first delinquency. The statute of limitations for Arizona is 6 years. 

I kindly request that you : XXXX. Investigate this matter thoroughly and verify the validity of this debt. 
XXXX. Provide me with all relevant information and documentation regarding this debt, including the original creditor, the amount, and the date of first delinquency as well as the original contract. 
XXXX. Remove any references to this debt from my credit report if it is found to be inaccurate, unverifiable, or outside the statutory period for reporting. 

Enclosed are copies of all pertinent documents related to this case, including the court order for wage garnishment. I appreciate your prompt attention to this matter and expect a resolution within the XXXX period as stipulated by the FCRA. 

Please contact me at the above address or phone number if you require any further information or clarification.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

This spans back to complaint XXXX was filed back on XX/XX/year> where I contacted the first debt collector that XXXX XXXX obviously hired. The only response I received from this was that XXXX was investigating the dispute, and would notify me by my preferred method of contact once the dispute had been resolved. Well I never heard anything from XXXX instead I get that they sold the debt to another collector by the name of TrueAccord. I have not contacted them yet but will tomorrow XX/XX/year>. I am very frustrated this debt is not mine I did not purchase anything from XXXX XXXX. But now the debt has went from XXXX with account number ending in XXXX to the new amount sent to TrueAccord with the amount of XXXX with the account number now ending in XXXX the debt was purchased under an address that we have lived there in almost a year. And this statement only has that address listed on it XXXX XXXX XXXX XXXX XXXX XXXX. I am not paying for a debt that I never made.
Consumer complaint received 2023-05-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? Experian, XXXX and XXXX, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report 4 different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.
Consumer complaint received 2024-07-10
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (NJ)

An account was opened in my maiden name. I never received the card nor did I apply for this credit card. I have received a number of phone calls and dismissed them because they were not using my correct name. I was told months ago they understood and it looked to be fraudulent then I was sent a legal notification. I am on XXXX have never used seen or made payments. They are claiming I made on this card, I have never been to the locations discard was used and constantly being harassed over this account. It seems that my name and information was used to open this account. I have not used this name since I was married XXXX  years ago.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I hope this letter finds you well. I am writing to bring to your attention to the failure of collection agencies to validate & notify of my dispute within the stipulated 30-day period, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) On XX/XX/year>, I sent a dispute letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX regarding an alleged debt they claimed I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This letter was delivered via certified mail, and the return receipt confirms its receipt by XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/year> According to the FCRA, the collection agencies is required to investigate and respond to my dispute within 30 days of receipt. Also notify the bureaus of dispute.However, it has now been 31days since the receipt of my dispute, and I have neither received any validation of the debt nor any response from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX Only after disputing with the bureaus on XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX started making all kinds of damaging changes to my report without properly validating this debt.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Account Has been paid in full, XXXX XXXX  refuses to update the account with the credit bureaus and the bureaus refuse to update the account info on their own. this is negatively affecting my credit by having inaccurate information reported.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SoFi Bank regarding the non-receipt of a promised promotional bonus. When I opened my checking account with SoFi, I was offered a {$300.00} bonus for setting up a direct deposit of {$5000.00} or more. I have met this requirement, yet I have not received the bonus that was promised. 

My friend, who opened an account via the same promotional offer around the same time as I did, received her {$300.00} bonus a few days after her direct deposit of {$5000.00}. Despite meeting the same conditions, I have not received my bonus. 

I have contacted SoFi Bank multiple times to resolve this issue but have not received any satisfactory response or resolution. This situation is causing me significant frustration, as I fulfilled all the requirements of the promotional offer and expect SoFi to honor their commitment. 

Desired Resolution : Immediate crediting of the {$300.00} bonus to my account, as per the terms and conditions of the promotional offer. 

Confirmation from SoFi Bank that this issue has been resolved and that I have received the bonus I am entitled to. 

Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that SoFi Bank fulfills its promotional commitments. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : IQ DATA INTERNATIONAL ; Account Number. XXXX, has violated my rights. 

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm reaching out to address the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I've reported the incident as identity theft and urge prompt action. It's crucial to swiftly remove all fraudulent information from my credit report and conduct a thorough investigation. I'm prepared to provide evidence and take legal action if necessary to protect my rights. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-07-10
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. (IN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-03
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. (NM)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.