davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (TX)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. 
Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed in my consumer report. 
ACCOUNT ANDALLEGED LATE PAYMENT DATE As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-30
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)

After reviewing my credit report I found that there were multiple late payments on my credit report that the creditor has been unable to verify them or provide documents proving I made late payments. Any reporting late payments or derogatory status is a direct violation of consumer law 15 USC 1681a ( d ) ( 1 ) this information is providing negative information it must be removed without validating these facts. 
Credit account XXXX XXXX XXXX XXXX I never gave written consent for these late payments to be reported under 15 US Code 1681b
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Consumer complaint received 2024-05-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XX/XX/2022
Consumer complaint received 2024-08-24
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. (MS)

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Delete this item its outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New updated address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately.

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income.

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 5 days to cure and correct this erroneous mistake from my consumer reports. 

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,
Consumer complaint received 2024-07-12
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)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Hello to whom it may concern. 

I have been in contact with XXXX  since XX/XX/2019 disputing a negative account and collections account they have failed to provide verifiable proof for. The accounts I disputed have not been verified since then under the FCRA and they have not been able to send verifiable proof after multiple letters I have sent. 

The process of letters sent and received are as follows : 1. Sent first letter to XXXX XX/XX/2019 2. Received a letter from XXXX XX/XX/2019 and XX/XX/2019 3. Sent next letter to XXXX   XX/XX/2019 4. Received a letter from XXXX XX/XX/2019 5. Received a letter from XXXX XX/XX/2019 6. Sent next letter XX/XX/2019 7. Received a letter from XXXX XX/XX/2019 8. Sent next letter XX/XX/2019 9. Received a letter form XXXX XX/XX/2019 10. Contacted CFPB today XX/XX/2019 Every time I have received a letter back from XXXX they have failed to provide me with any copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to DELETE all information which can not be verified. They have also failed to a investigation into my dispute. 

*NOTE* I have attached the documents of every letter sent and received to XXXX. I have also included, on the last page of the pdf, XXXX  deleted the accounts I have disputed with XXXX. XXXX have followed the FCRA and deleted all unverified accounts and XXXX should do the same. Midland Funding has failed to verify this as well.
Consumer complaint received 2024-05-29
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. (IN)

XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX 15 U.S.C. 1692e ( 8 ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ) that pertains to false or misleading representations by debt collectors. Specifically, this section addresses the communication of false information regarding a consumer 's credit standing.

15 U.S.C. 1692e ( 8 ) : False or Misleading Representations This section states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In particular, it prohibits : Communicating or Threatening to Communicate to Any Person Credit Information : 15 U.S.C. 1681s-2 ( b ) : Duties of Furnishers of Information Upon Notice of Dispute Investigation of Disputes : Upon receiving notice of a dispute regarding the accuracy or completeness of any information provided to a CRA, the furnisher must conduct an investigation with respect to the disputed information.

Prohibited Practices : The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes : Harassment : This can involve threats of violence, the use of obscene or profane language, or repeatedly calling a person to annoy them.

False statements : Debt collectors can not lie about the amount of money owed, claim to be attorneys if they are not, or falsely claim that the debtor will be arrested.

Unfair practices : Debt collectors can not try to collect any amount greater than what is owed unless allowed by law. They can not deposit a post-dated check prematurely, and they must not take or threaten to take property without the right to do so.
Consumer complaint received 2024-05-30
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. (PA)

To date, I have come to realize that insurance companies are allowed to receive information from all three credit reporting agencies about our credit utilization, which plays a significant role in determining insurance prices. However, these same bureaus don't ask the insurance companies for input on premium payments, which may improve an individual 's score. Furthermore, in the majority of circumstances, the scores are requested without permission from the consumer. It is important to be aware that circumstances can negatively impact an individuals reason for failure to pay or slow pay ; i.e. sickness, lost of employment, etc. 

As a XXXX patient, I am fully aware of the economic damage that individuals may encounter during a health crisis. My insurance carrier has increased my coverage by several XXXX dollars, even though I have never had a car accident or committed any moving violations. For the past five years, I have made timely payments. My credit score was assessed every year without my consent or knowledge. There is no one challenging this untouchable industry. 

This is a practice that requires the CFPB 's attention. The automobile insurance industry has honest, hard-working individuals at its mercy because no one is willing to police their corrosive behavior. 

The fact that Experian is now in the automobile insurance business appears to be a conflict of interest. During tough economic times, households are left at the unscrupulous mercy of an under-regulated industry that has one-way access to information that can be economically debilitating. Only the CFPB can put a stop to the information decimated by the three credit bureaus, especially since rates are quite lucrative for the insurance industry.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Gemini Direct LLC, dba Credit Innovation Group (CO)

On XX/XX/202XXXX XXXX  withdrew {$120.00} from my checking account they continue to withdraw $ XXXX  monthly they're supposed to be fixing my credit, but have not done so yet! This was supposed to be a rent with the option to buy plans as long as I agreed to work with XXXX  to repair my credit, it's been 6 months they received {$150.00} each month plus I still have not received a home to live in while they continue to take my money. I constantly call, and leave emails and never get any return calls I feel this is a fraud and I am getting ripped off they're supposed to help me get into a home and all they're doing is taking my money!!!
Consumer complaint received 2024-05-29
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)

In XX/XX/XXXX I began disputing balance on my credit report. My credit score went down, and I submitted several disputes to clear up the fact that XXXX XXXX XXXX dba XXXX XXXX transferred my mortgage to another mortgage servicer on XX/XX/XXXX. Experian sent me information the dispute was resolved. The balance is still showing on the Summary for my credit report. When I called Experian, I was told it " takes time for it to go off your report '' and even though Experian shows the account is closed, the balance is being factored into my credit score! I reported this over and over and I have attached a screenshot of experian 's website for you to see it yourself. Now, Experian is stating the dispute will be resolved by XX/XX/XXXX. This is so horrible, my credit score, my life is greatly affected by this false and inaccurate reporting!!
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NV)

XX/XX/2018 - XXXX XXXX  contacted my Landlord 's mother several times over the past two weeks. This person has no relationship with me, the only way they could have gotten her number was to search for my Landlord 's name. I have already made payment arrangements to bring my account current yet the continue to call her looking for me, she lives in another state and does not know me.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital one credit card I was making a XXXX $ dollar minimum payment, without notice my minimum had raised to XXXX $ I allowed it to be okay. I asked for a credit increase over the phone and through the app and never received it with over 28 months of good payments. XX/XX/2019 I got a email from XXXX XXXX saying have a 30 day late payment I have spoken to the support and not willing to help, I never received any calls about having any late payments or missing any due dates like every other bank, my automated checking account have error and possible it never made a payment I have a family and sometimes you forget about things if this is true. Recently my wife and I inquired about a FHA mortgage loan with this bank my score was effected 37 points for this can you please understand and help me remove this error.
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (IL)

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.
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX are reporting an allege charge off account on my consumer report listed as XXXX XXXX account # XXXX I would like the consumer agencies to send me the account documents they used to verify this information as its on the consumer agencies to provide the burden of proof so either prove you completed a reasonable investigation by providing proof of validation. If you do not within 7 days of this report I will sue.
Consumer complaint received 2023-03-25
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-29
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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: Experian Information Solutions Inc. (AZ)

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.
Consumer complaint received 2024-05-29
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. (GA)

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.

and list of Inquiries.

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 2024-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

hey i just noticed a unauthorized inquiry 's on my Transunion credit report. Under FCRA ( fair credit reporting act ) this must be removed immediately the inquiry 's that need to be removed immediately are : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion FTC REPORT NUMBER XXXX