davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc. (WA)

Dear Sir/Madam, I am writing to formally dispute the reporting of late payments on my closed XXXX XXXX XXXXXXXX credit card account for the following dates : XX/XX/XXXXXXXX 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 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 and the Truth in Lending Act ( TILA ) 15 USC 1666B, I request that you provide proof and verification of the accuracy of these reported late payments. Specifically : 1. **Verification of Payment Timing** : According to 15 USC 1666B , creditors must send billing statements at least 21 days before the payment due date. I have not received these statements within the required timeframe, nor have they been sent via certified mail. 

2. **Cease and Desist Violation** : I have previously served XXXX XXXX XXXX XXXX XXXX cease and desist letter, yet my requests to have the late payments removed have been unjustly verified without proper evidence. 

3. **Request for Evidence** : Please provide : - Copies of all billing statements for the months in question, showing the date they were mailed.

- Proof that these statements were sent at least 21 days before the due dates.

- Documentation of how the verification of the late payments was conducted.

Failure to provide this evidence within 30 days will confirm that the reported information is inaccurate, and I expect these late payments to be removed from my credit report immediately.

Furthermore, I want to remind you that continued reporting of these payments as late, especially after the account has been closed, is a violation of federal law. The lack of a 1099 form after the account was charged off is another violation, as is the unauthorized use of my credit card and personal information. This situation has escalated to the point where I am prepared to pursue legal action for adverse action, extortion, racketeering, identity theft, fraud, and unauthorized use of my credit card.This is my final request for the removal of these inaccurate late payment entries. If this matter is not resolved promptly, I will have no choice but to seek legal remedies.Please provide a written response confirming the removal of these entries or supplying the requested verification and evidence.Thank you for
your prompt attention to this matter.Sincerely XXXX XXXX XXXX,
Consumer complaint received 2024-08-27
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-08
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-27
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. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that informa
tion pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX California XXXXXXXX XXXX ID : XXXX Subject : Debt Validation Request for Account No. 
Dear Midland Credit Management, I am writing in response to a notice of debt received from your company via email on XX/XX/year> for the alleged collection debt in amount of {$2600.00}. This letter is a formal request for validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ]. I request that you provide me with the following information : 1. **Validation of the Debt** : - The original creditor 's name and address. 
- The full account number of the original account.

- The total amount of the debt, including an itemized breakdown of fees, interest, and any other charges.

2. **Proof of Ownership or Assignment** : - Documentation that proves your legal right to collect on this debt, such as the signed agreement or contract with the original creditor.

- Copies of any transfer or assignment documentation showing that you have been authorized to collect this debt.

3. **Payment History and Description** : - A detailed account history from the original creditor, including all charges, payments, and credits applied.

- Documentation that substantiates the amount owed and verifies its accuracy.

4. **Proof of Accuracy and Amount** : - Copies of any documents, agreements, or statements that support the current amount claimed as owed.

Whilst you are gathering this information, please cease all collection activities and communication with me. Kindly do not contact me except to provide the above-requested documentation to validate this debt. Additionally, please ensure that this debt is marked as " disputed '' on any credit reports to which you have reported this information, as is my right under the Fair Credit Reporting Act ( FCRA ).

If you are unable to provide the requested information within 30 days, as stipulated by the FDCPA, I will consider this matter closed and request that any negative information related to this debt be deleted from my credit report. 
Please send your response to the address provided above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$1000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX {$0.00} Closed XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} Closed MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Consumer complaint received 2024-08-27
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. (AR)

In accordance with the FCRA, ( Experian, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. 
I have the list of Accounts that I will post here! ( XXXX  account # XXXX date of late payment XXXX, XXXX, XXXX, ) I am Attaching identity and proof of address!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX  Credit Limit {$29000.00}, showing 87 % credit usage, opened XX/XX/2017. This Account should reflect on my Business Credit Report not my Personal Credit Report. 15U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-08-27
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. (TX)

There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 XXXX Account name is XXXX # XXXX and XXXX XXXX XXXX XXXX # AND XXXX XXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/year> and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified information.
Consumer complaint received 2024-08-27
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. (GA)

I recently disputed an account on my consumer report that came back UPDATED. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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. (NM)

I requested my free Annual Credit Report on XX/XX/year> and I see there is a XXXX XXXX XXXX listed under the Public Records section.

I have sent multiple letters over the course of the past 2 years to Experian asking that they verify the completeness and accuracy of this piece of information that is being furnished on my credit report AND that they share with me the steps they took to investigate the information. However, they have continuously refused to provide information on how they investigated the disputed information. It is my legal right according to consumer law 15 U.S.C. 1681i to be given such information within 15 days after requesting it. 

I informed Experian on numerous occasions that I was the victim of identity theft, and that I NEED this information to be reinvestigated and verified for maximum accuracy and completeness as required by consumer law. 

The information under this section is highly incomplete and needs to be updated with all accurate information or must be deleted immediately. 

There is no discharge date listed under this section. And there is an abbreviated and incomplete name listed for the Court. The Court Address and Phone number are not included. The incompleteness of this information on my consumer report has made it impossible for me to verify the information being furnished on my credit report. I have no way to contact the courthouse to verify that this information belongs to me or that it is presenting the maximum level of accuracy and completeness as is required by law according to 15 U.S.C. 1681k ( 2 ) maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumers ability to obtain employment is reported it is complete and up to date. 

And I highly question Experians ability to investigate and verify such information without such pertinent information as address or phone number. How are they verifying that this adverse information does indeed belong to me and was not accidentally placed onto my consumer report?
Consumer complaint received 2024-09-18
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. (NV)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-26
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. (NJ)

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 
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 2024-08-27
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-28
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. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.SC. 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 2024-08-27
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)

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 1681i ( 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you so much!.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XX/XX/2024 To whom it may concern I saw furnishing of multiple negative accounts on my consumer report. I am requesting an assignment contract for validation of the alleged debts pursuant to XXXX5 U.S. Code 1692 ( g ) The accounts are listed below XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Provide me with the following information The assignment Contract The amount of debt Proof that your company sent me a statement assuming the debt to be valid with proof of tracking I was never notified with the following statement to dispute this debt within 30 days so 30 days is starting now.