davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX... Balance : {$2400.00}
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to formally dispute the reporting of a bankruptcy on my credit report. My bankruptcy case was XXXX in XX/XX/year>, but the bankruptcy court never instructed the credit bureaus to report this information. While I understand that bankruptcy is a matter of public record, I believe the inclusion of this information on my credit report is incorrect and potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are responsible for ensuring that all information on credit reports is accurate and fair. Specifically, information can not be added to a consumer 's credit report unless it is accurate, complete, and furnished by entities that are authorized to report such information. As the bankruptcy court did not mandate the reporting of my bankruptcy, I am requesting an immediate investigation into the source of this information and the removal of the bankruptcy from my credit report. 
I ask that this matter be investigated promptly and that the bankruptcy entry be removed from my credit report. In accordance with the FCRA, please provide me with the results of your investigation and an updated copy of my credit report.
Consumer complaint received 2024-09-21
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. (TN)

An auto loan that was for business is being reported on my personal credit report. The business closed and filed bankruptcy in XXXX XXXX. The court ordered the return of the vehicle by the business to XXXX in XXXX XXXX. Ally was notified that the business was voluntarily surrendering the vehicle and that they could get the vehicle anytime they wanted by the business also in XXXX of XXXX as per the court 's directions. The business bankruptcy was in the Tennessee XXXX Bankruptcy Court and the case number is XXXX. It was filed XX/XX/XXXX, the meeting of creditors was held on XX/XX/XXXX and the case was finalized on XX/XX/XXXX. The attorney that represented the business for the bankruptcy was XXXX and XXXX located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This is currently being reported on my personal credit even though my name is not on the vehicle or any of the paperwork from the dealership for the purchase and financing of this vehicle. My name should have never been affiliated with this loan. This should be removed from my credit report at all credit reporting agencies. I am attaching the installment agreement and the purchase contract from the dealer that the vehicle was purchased from and financed through showing that my name is not on this and that it is only in the business name.
Consumer complaint received 2024-08-25
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 2024-08-25
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. (CA)

Am going through divorce, the case is under litigation, we informed them, we provide the court paper work to convince them put it on hold, they accepted the request over the phone, people from XXXX respond our phone calls. 
it is charge of off, I have been making payment for. the last XXXX  months, I asked them to change it from Charge off to Current, they refused to do it, this hurt my credit
Consumer complaint received 2024-09-23
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. (KY)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/ It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you with great urgency and frustration regarding a fraudulent collection account that appears on my credit report, allegedly owned by your agency. Despite previous communications, this matter remains unresolved, and I am now insisting on the immediate deletion of this account from my credit report. 
Account Information : XXXX XXXX  XXXX XXXX- PLEASE REMOVE!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously disputed the legitimacy of the alleged debt associated with the account mentioned above. I have provided evidence supporting the fact that this account is the result of identity theft and fraud. Despite my efforts, this fraudulent collection account persists on my credit report. 
I am irate and deeply concerned that this matter has not been resolved promptly. The fraudulent nature of this collection account has not been proven, and its presence on my credit report continues to cause significant damage to my creditworthiness.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

in my last complaint you sent me i requested specific documents to validate the debt and i received those documents Thank you for sending that. However, after going through the documentation that you have provided, you dont have any proof that I owe you anything and you have the authority to collect. So I refuse to pay.
Consumer complaint received 2024-09-22
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: EQUIFAX, INC. (FL)

I am requesting that these inquiries be removed immediately. According to the Fair Credit Reporting Act ( 15 USC 1681b ), credit inquiries can only be made with the consumers authorization. Since I did not authorize these inquiries, they should be removed from my credit report. 

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 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 2024-09-27
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. (NC)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 



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 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 2024-10-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation (KS)

Per complaint ID XXXX they responded they need proof of my Indiana employment and proof of current address and they will give me my money. Here is my wage transcript from IRS.gov account my current Driver 's license front and back for my current address. Also my phone number is XXXX please contact me once you receive my documentation
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (LA)

Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and in light of the recent ruling in 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, I am requesting detailed validation of this debt. 

The XXXX XXXX XXXX XXXX XXXX XXXX case established important standards for debt collection practices, particularly emphasizing the need for clear and accurate documentation of the debt, including the original contract and any assignment agreements. Given this ruling, I request that you provide the following : Proof of the Assignment Contract : Provide a complete copy of the assignment contract or any other legal documentation that shows your right to collect this debt. The court 's decision in GREEN highlights the necessity for debt collectors to have a valid and legally binding assignment.

Verification of the Debt : Please provide a detailed accounting of the debt, including the original creditors name, the original amount, a breakdown of any interest and fees added, and the date of the last payment.

Documentation of My Liability : I request copies of any agreements, contracts, or applications bearing my signature that pertain to this debt.

In accordance with the FDCPA and the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, please cease all collection activities until this debt has been properly validated. I expect a written response within 30 days, as per the legal requirements.

If you can not validate this debt, I request that you stop all collection efforts and remove any negative information you may have reported to the credit bureaus. Please communicate with me only in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-22
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: EQUIFAX, INC. (NC)

please delete and remove the following inquiries from my credit prole due to right to privacy I DISPUTED THE INQUIRIES ONLY NOT ANY ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : 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  EQUIFAX : 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 I disputed this information with EQUIFAX over XXXX times and they failed to remove the disputed information I had no other choice but to XXXX this adavit the credit consumer agencies violated my rights and I have no other remedy when disputing incorrect information from the credit XXXX XXXX than to report to the consumer protection agencies. THE ONLINE DISPUTE CENTER WILL NOT WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (WI)

On XX/XX/year> some one used my info and withdrew XXXX from my account. I disputed with Netspend and they responded XX/XX/year> and denied my dispute saying... Based on the information we had and the facts of our investigation, we found no error occurred and that the transaction ( s ) listed above are valid. The reasons for our determination include, but are not limited to : No pattern indicating fraud No evidence of account compromise No evidence of device compromise... 


It is fraud because I didn't conduct or authorize this transaction. 
My account email is XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy. In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
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)

Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Acc. Name. Acc. Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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 2024-09-25
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. (TX)

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 2024-08-24
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. (CA)

I am writing to formally address an ongoing issue with the reinsertion of Account on my credit report. Despite previous communication and the subsequent validation of certain account, I have observed that these Account are being removed and then reinserted into my credit report during subsequent rounds of validation. This practice is causing significant confusion and adversely affecting my credit score. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.