davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Hi, I was based in the apartment XXXXXXXX XXXX  from XX/XX/XXXX to the end of XX/XX/XXXX, my contract was until XX/XX/XXXX and they did not renew the contract because they wanted to demolish the apartment, but they allowed me to stay in that apartment until the end of XXXX, I vacated the apartment on XX/XX/XXXX and handed over the key to the office and received the receipt. During all the years I have lived in the apartment XXXX, I have paid all the rent in full and on time, and I have all the payment receipts. And I have no debt. After 3 weeks, I went to the XXXX  north office to receive the deposit amount, and they said that I should request the deposit amount from XXXX.And they gave me an email to correspond with them, after the correspondence and email sent by XXXX company, I found out that they charged me XXXX dollars, I followed up with the management of XXXX and they emphasized several times that I had no debt and printed a sheet for me that clearly stated that the balance was zero.After that, I corresponded with XXXX company several times by phone and email and inquired about the reason for the debt, but unfortunately they did not have an answer to my questions and said that we do not have information about your case and you should contact Collection.I have called the collection several times and sent emails, but I have not received any positive response and my emails remain unanswered. 
My explicit request : First of all, I don't have any debt, but if they think that I have a debt, they should clearly inform me which month and what the debt is related to ( for example, the amount of rent, water, gas, etc. ) As I said before, I have receipts for all payments and will send them if needed. 
Thank you.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (NV)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-09
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)

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 use 1681. 

XXXX XXXX # XXXX. # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # XXXX. # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX 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 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Please remove the following incorrect addresses and employer information from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

Report # XXXX I received a XXXX score today through my account at XXXX XXXX that shows a XXXX score of XXXX. 
My bank received this information based on a FICO Score XXXX and provided by Experian. 
Why the difference between what the Experian XXXX states and what Experian is reporting to others? 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-07
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Debt Co LLC (SC)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX 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 30 days and you are in VIOLATION of this law because I am a 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!
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (FL)

I noticed I was receiving numerous unauthorized inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX on my credit report, I have never given these companies authorization to run my credit, and they have been doing it almost monthly since XXXX of 2022, I have reached out to the companies and the credit bureaus about this and have not received any response.
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (FL)

COLLECTION MANAGEMENT CO : DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER REPORT AS AN OPEN ACCOUNT DATE AS OF XXXX WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PROVED ME THS MASTER BILL OF SAIL.

ACCT # XXXX ACCT # XXXX ACCT # XXXX
Consumer complaint received 2023-03-25
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: 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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 2024-07-09
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)

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 2024-07-09
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My account with ( DEPT OF ED/XXXX 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 my 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 ( MONTHS REPORTING LATE ) 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. 


( DEPT OF ED/XXXX, 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 2023-06-06
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : Secured Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Consumer complaint received 2024-07-09
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)

My account with ( 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 my 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 ( MONTHS REPORTING LATE ) 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 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 2024-07-09
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 am in the process of purchasing real estate and upon pulling my XXXX credit reports, I discovered several discrepancies pertaining to the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year> I sent written and formal disputes to all three credit bureaus to have each account validated in accordance with 15 U.S. Code 1692g - Validation of debts. They have all three reported back and " after completing a " thorough '' investigation '' your account has been updated and correct. '' An investigation was not completed because the inaccuracies are still listed on my credit reports. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( XXXX ) 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. I have attached documents to show my attempt to validate these records and showing the inaccuracies in my reports.
Consumer complaint received 2024-07-09
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. (IN)

I have recently initiated a dispute regarding the items in question, and I am concerned that a thorough investigation was not conducted. It appears that there has been a lack of proper investigation and a failure to provide validated proof substantiating the claim of a late payment on this account. In accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request that these accounts be promptly updated to accurately reflect the investigation 's findings or lack thereof. Your compliance with FCRA provisions is essential in resolving this matter satisfactorily.
Consumer complaint received 2024-07-09
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. (FL)

I am trying to get XXXX and Experian to verify the bankruptcy that they are claiming that I file and the bankruptcy that they are reporting on my credit file. I have verified with the courts that they listed as that provided them with this information and they have provided me with a letter stating that they do not and have not furnished the credit agencies ( Experian and XXXX ) with no such information. Please see attachments. These agencies is reporting inaccurate information on my credit file.
Consumer complaint received 2022-12-05
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: Self Financial Inc. (CA)

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-17
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. (AZ)

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. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX XXXX not mine please delete and investigate immediately. It Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-09
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)

Credit Bureau Account # XXXX Name : XXXX XXXX  Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency <name the company> myself, and they have failed to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely, XXXX XXXX