davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX  - Account # XXXX XXXX  Account # XXXX
Consumer complaint received 2024-06-19
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error.
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: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-19
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)

Hello I am writing to you because I got a email stating there was an inquiry made on my credit file, I have place a fraud alert previously because they tried to do this before too, PLS REMOVE XXXX XXXX XXXX XXXX XXXXXXXX I HAVE NEVER APPLIED NOR GAVE ANY INFORMATION TO XXXX XXXX AND KEEP MY INFORMATION VERY PRIVATE FOR REASONS LIKE THIS PLESSE REMOVE THIS FROM ALL XXXX BEAURUS ASAP
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: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-05
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. (AZ)

Following your recent evaluation, I need to address ongoing issues with my credit report that require immediate attention. The persistent errors on my credit report raise serious concerns about the accuracy of the information. My goal is to rectify these errors, specifically the following : XXXX XXXX XXXX XXXX Balance Owed : {$540.00}. Please provide the names and addresses of the individuals contacted for each disputed item as required by the Fair Credit Reporting Act ( FCRA ). If this information can not be provided to my satisfaction, I request that you update the account and assist in resolving this issue.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Midland Credit Management XXXX. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
XX/XX/XXXX False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
XXXX Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice. 
XXXX Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. 

Given the lack of documentation and absence of a contractual agreement, the actions of Midland Credit Management XXXX are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Consumer complaint received 2024-06-19
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. ()

Hello XXXX I asked Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX  XXXX # XXXX 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (OK)

The lady at the western shamrock in XXXX XXXX Oklahoma says because I have not paid my first missed payment. That she has no other choice to send me to collection 's. That she is going to come to where I stay. That she or someone else is going to go where I work. I do not work. I am XXXX. I do not have to tell her what I spend my money on I have bills I have to pay. I told her that I can make the payment when the loan place opens again on Monday. I do not have enough money to make a payment. I told her I can pay Monday. She told me because I already got paid that I could have made a payment.
Consumer complaint received 2024-06-18
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. (FL)

This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my XXXX  reports with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-06-18
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)

The following account is reporting erroneously on my credit : XXXX XXXX XXXX XXXX XXXXXXXX {$180000.00} opened XX/XX/year> I have never applied to or contracted with this company, I called to ask them to support their claim via a signed contract and they said they can not do that, nor do they have said document.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXXXXXX XXXX XXXX, I am writing to address the recent dispute regarding the late payment status on my XXXX XXXX Credit Card account. The reported XXXX late payment inaccurately reflects my payment history and has negative implications on my consumer file, which is concerning and violates fair reporting practices. 

I understand that unforeseen circumstances, including the loss of both my credit card and mobile phone at the XXXX XXXX, contributed to challenges in accessing my XXXX XXXX account and making timely payments. Despite these difficulties, I promptly communicated with XXXX XXXX and was still locked out. 

To resolve this issue and restore accuracy to my consumer file, I request the following actions : Correction of Credit Report : I urge XXXX XXXXXXXX to correct the misreported XXXX late payment status on my credit report to accurately reflect my payment history during the period in question. 

Waiver of Late Fees : Given the circumstances described, I request the waiver of any late fees associated with the reported late payment. 

Enhanced Security Measures : I encourage XXXX XXXX to enhance security protocols and customer support procedures to assist customers experiencing similar challenges. This includes improving account recovery processes and implementing robust security features to prevent unauthorized access. 

Notification of Resolution : Please provide written confirmation once the corrections to my credit report and any fee waivers have been processed. 

It is crucial to rectify these inaccuracies promptly to ensure fair and accurate reporting. I appreciate your attention to this matter and trust that XXXX XXXX will take the necessary steps to resolve this issue expediently. 

Please contact me at your earliest convenience to discuss further or if you require any additional information to facilitate the resolution process. 

Thank you for your prompt action in addressing this issue.
Consumer complaint received 2023-09-27
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. (FL)

Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft.

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX APTS Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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. (LA)

The lease was opened XX/XX/XXXX with XXXX XXXX XXXX. The loan amount is {$60000.00}. I contacted XXXX in XXXX to inform the company THAT THIS IS A FRAUD ACCOUNT. I submitted a dispute with All 3 major credit bureaus and XXXX. The item was deemed as fraud and removed FROM ALL THREE CREDIT BUEAURS. Then 2 years later EXPERIAN ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the XXXX account was added back to my credit report. IVE CONTACTED XXXX Numerous times about this account and its still on my credit report and is destroying my credit. THIS IS FRAUD AND SHOULD BE REMOVED FROM MY EXPERIAN CREDIT REPORT I PROVIDED ALL THE REQUIRED DOCUMENTS TO EXPERIAN. Police reports, fraud applications, my drivers license, proof of residence etc. please remove the XXXX account
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 those accounts 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 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 2015-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have a Nationstar Mortgage after my loan was sold to them. It was with XXXX, who sold to XXXX XXXX XXXX. They sold my loan to Nationstar Mortgage. It has been a rollercoaster since Nationstar took over my loan. After being denied the affordable home loan application b/c I no longer live in my house. I continued to make my payments at 5.75 % on XXXX loan. Recently there was a XXXX in the house so I had to setup a payment plan to fix the problems with the house. Long story short. They have been sending my payment back. I call and when I finally get a person on the phone, they note my account about my payment being sent in and satisfied with my payment and the process I am paying. I can not use their online service b/c when setting up a new bank account my payment was rejected. So due to that happening XXXX I can not make online payments anymore b/c they wo n't allow me too. This month my payment plan payment of {$2500.00} was return to me after funds came out of my account and went to them. THey rejected the funds and sent them back to me. I called and they stated they did not know why. I then stated I would pay the account to bring it current since it was the last payment in my plan and paid fees for that last payment. I sent {$2800.00}. They again rejected my payment and sent it back. Each time fees have been charged to my account. I continue to give them my money b/c it is my debt and my obligation and the right thing. Yet they make it difficult to pay and then continue fee me? Where do I go from here?