davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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. (MS)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

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

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-15
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. (NC)

I would like to dispute the inaccurate accounts on my credit report. 

Experian : XXXX XXXX Account Number : XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$2800.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (CA)

In Accordance with the Fair Credit Reporting Act this Creditor : XXXX XXXX has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it aslo states a consumer reporting agency can NOT furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not a payment on a credit car/loan account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-15
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. (LA)

I noticed that my credit report was used improperly according to law. As a federally protected consumer I have a right to privacy according to the Privacy Act of 1974. I reached out the credit agencies about the matter in XXXX and they disregarded my request. They stated that the information was VERIFIED, but they did not send me proof of how they Verified this information. I have a right to know according to law 15 USC 6802. I requested that the credit agencies to send me the information they used and the person they spoke with, dates to verify how they are able to add a Bankruptcy to my credit report. This public record is SERIOSLY AFFECTING my credit and I am not able to obtain credit because of it. I would like it removed IMMEDIATELY. I reached out to the Bankruptcy Court and ask them are they allowed to report a public record to the credit agencies and they stated that they do not send anything to the credit agencies. They sent me a letter and I also sent this exact same letter requesting that this be removed from my report and they refused to remove the information. I am not sure who the credit agencies got this information from. I have not consented to any 3rd party reporting my personal and private information to the credit agencies. According to 15 USC 1681 I the consumer have a right to privacy and this Public record is a violation and inaccurate reporting. Please remove this BANKRUPTCY from my credit report and send me a copy of the updated report. According to 16 CFR 313.7 I the consumer have the right to OPT- OUT of the Credit Agencies reporting this Public Record " BANKRUPTCY '' on my credit report. If the credit agencies do have correspondence with the COURTS then I am requesting they send me the information they used to verify this information directly from the courts not a 3rd party reporting agency that I did not give consent to. I am asking that this be REMOVED IMMEDIATELY from my credit report.
Consumer complaint received 2024-07-15
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-15
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. (NC)

This is my complain that I am a victim of identity theft and I write to dispute certain Items in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please removed the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$100.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-15
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. (MO)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-15
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. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX claims I had car insurance with them but I did not agree verbally or sign anything for this policy now they sent me to their collections company. I was told by the debt collector that if I submitted proof with my insurance elsewhere during that time with my name and the vehicle information they could remove it. I did that and now they are asking me for another document and I dont seem to be getting anywhere with them.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, XXXX and XXXX are failing to update my information correctly, In XXXX I filed for XXXX  XXXX and they re-aged the discharge and reaffirmation on some of the cards that should have dropped off since the discharge was 7 years ago. 

Because of their errors Bank XXXX XXXX closed both of my accounts that I had since XXXX and XXXX respectatively - XXXX  ending XXXX and XXXX. 

First because of the XXXX Bank XXXX XXXX reduced my credit limit from XXXX to XXXX and XXXX on the card ( XXXX ) which bumped up my utilization from 10 % to 90 %, Because of the error then Bank XXXX XXXX closed 2 cards which have been paid on time for years and still have open balances. 

These CRAs should be monitored or eradicated from having the ability of providing consumer information that is incorrect to the Financial Institutions. Thanks to their inaction my credit dropped from GOOD XXXX to POOR XXXX after it took me almost 7 years to build up my credit. 

The bureaus also have failed to drop off old inquiries that have expired making it seem I have more inquiries than I have.
Consumer complaint received 2024-07-15
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. (NJ)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

VALIDATION AND CEASE AND DESIST RE : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FOM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to inform you that I have been a victim of identity theft and to request immediate action to rectify the situation. Recently, I discovered unauthorized activity on my credit report with your company. 
I did not authorized any of these transactions, and those info is being mixed up with someone else, therefore I request that you take the necessary steps to address this issue promptly, and please dispute the accounts. That were opened without my knowledge, authority or consent. Details of the unauthorized activity are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX CARD - XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Adler Wallach & Associates, Inc. (CA)

Adler Wallach & Associates. XXXX XXXX I have asked them for a debit verification letter and they said they will not provide it to me due to I dont have a legal right to it then I have asked them to show proof that have legal right to collect they sent me a letter showing a bill not the contract that they have to collect with XXXX  and I asked them about the debit verification letter I sent them they said they kicked it out and its not legal to ask for debit verification and then I told them that they are violating the law they said take use to court and they they will sue me. 
And what they have furnished to me is not a contract its just shows how much I owe doesnt show that they have the legal right to collect What they have sent me is a letter showing they bought the debt saying to : collection agency vendor doesnt say they have a contract with them
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

When I investigated my updated credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}
Consumer complaint received 2024-07-15
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. (GA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (DC)

On XX/XX/year> i purchased a plane ticket in error ( twice ) for {$640.00}. I used PayPal pay in XXXX for both. I immediately called XXXX and they issued a refund to the same account used in the transaction which was Paypal 's travel.card for the pay in XXXX purpose for XXXX of the tickets. Paypal never creditted my account for the refund AND continued to charge me for thr pay in XXXX plan. I paid all {$160.00} payments in good faith. In addition to the {$160.00} for the second {$640.00} ticket. I submitted a dispute with paypal. They refused to credit me back for the payments for the ticket refunded. And when I went to my bank to reverse charges paypal used tactics to say I had a bad debt.
Consumer complaint received 2023-11-08
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-15
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX **** XXXX XXXX XX/XX/year>
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on XXXX ) XXXX XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.