davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (TN)

My email on Credit karma is XXXX XXXX  days ago I received a " Karma Guarantee credit card '' offer from credit karma. I applied and was denied. So with their own promos rules they sent me the {$50.00} gift card confirmation which after receiving the confirmation email that I to receive it which was XXXX  days ago. I was to receive it with XXXX  days. I've contacted credit karma repeatedly with no avail. I barely get anyone to respond. When they do they ask " did you confirm? '' I say yes and never get a response. 

This is their advertised promotion and they don't follow their own rules and regs. Truth in advertising is a thing in the United States. I would just like my {$50.00} gift card.
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. (CA)

Im writing to formally request that Experian block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$5100.00}, seemingly related to credit card at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$7400.00}, seemingly related to credit card at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$1800.00}, likely linked to the personal loan account at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2500.00}, seemingly related to credit card at XXXX  XXXX. 
XXXX. A inquiry from XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from Experian showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint [ # report ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
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. (CA)

Im writing to formally request that Experian block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : XXXX. A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$5200.00}. 
XXXX. A personal loan account opened at XXXX on XX/XX/XXXX, under account number XXXX. [ acct # ], {$5000.00}. 
XXXX. A mortgage loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$370000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report from Experian showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmeriCollect (FL)

I'm constantly receiving harassing calls day and night several times at all times of the day and night. They've also contacted my employer, family members, friends, neighbors, and landlord. I've asked them to stop. They continue to harass me and I want it to stop right away. If they need to contact me, all contact should be in writing only. All writing should be directed to me and only me.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

My reason for reaching out to your agency is that I have been requesting Validation of debt from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX My request for validation started back on XXXX XXXX and continued through XXXX XXXX and still continuing. I will only provide one of the XXXX XXXX Validation letter and one of the XXXX XXXX Validation letter because the pages are many. 

I'm being sued by XXXX XXXX XXXX XXXX on the behalf of XXXX XXXX XXXX XXXX XXXX a law firm to be exact. I am aware of the rights that I do have as a consumer. And as consumer, after you request for debt validation, the law states that the debt collector must stop all collection efforts until they send me the requested information. 

As you can see, my request for validation was ignored and a lawsuit was applied. I also submitted my Answer to the court on XX/XX/2023 as required. I also sent the Plaintiff a copy of my Answer as well. Did the Plaintiff receive it I'm not sure. My Answer I requested certain information to be showed to me and still I have yet to receive that requested information. For a resolution I'm seeking for this case to be dismissed per violation pertaining to failure to respond to a debt validation request in a timely matter.
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX DATE : XX/XX/XXXX Recently, I did an investigation on my credit report and found several items in 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 to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, aXer any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an any items 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 reinvesIgaIon ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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  - The personal information is incorrect - please remove this from my credit report immediately! 
Phone Numbers : XXXX, XXXX, XXXX, please remove this from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately InquirieXXXX 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  This inquiry was not authorized, please remove it from my credit report immediately
Consumer complaint received 2023-10-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 are a violation of 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 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 2023-08-29
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-18
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. (ND)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to North Dakota FCRA Identity Theft Fraud Laws Dear MIDLAND CREDIT MANAGEMENT, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the North Dakota Consumer Credit Report Security Freeze Act, and identity theft fraud laws, specifically North Dakota Century Code Section 51-29.

It has recently come to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as detailed in the FCRA, expressly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, North Dakota state law, particularly the Consumer Credit Report Security Freeze Act, underscores the requirement of consumer consent for credit reporting. This law ensures that consumer credit information is reported fairly and accurately.

Furthermore, identity theft fraud laws, including North Dakota Century Code Section 51-29, highlight the seriousness of unauthorized access and misuse of personal information. 

I wish to emphasize that I have not provided consent for ( company name ) to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially harming my creditworthiness and demonstrating disregard for federal and state laws. 

Therefore, I demand that ( company name ) immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Dakota laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, North Dakota state law, and identity theft fraud laws. This is not negotiable ; it is a demand for compliance with federal and state regulations, protecting consumers such as myself from unauthorized and damaging credit reporting. 

I anticipate your prompt attention to this matter and expect that ( company name ) will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IN)

on or about XX/XX/year> I sent Credence Rescource Management LLC a debt validation letter, Because they sent me a collection letter for an ALLEGED with XXXX XXXX XXXX XXXX previously sometime in XXXX or XXXX. they then sent a bill nothing in the debt validation letter was delivered.i asked for a detailed breakdown including, the original creditors name, the original account number, dates of transactions, and a complete breakdown of any fees or charges that I have accrued. that is in violation of the FDCPA, FCRA a violation of my privacy and 18 U.S.C 1028 A I demand this be removed from my consumer report by all agencies an compensation for any an all violations
Consumer complaint received 2023-08-02
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: Central Portfolio Control Inc. (NC)

I logged into my credit report on XX/XX/2023 and saw the following account : Last reported XX/XX/2023, {$3500.00} - Open balance, XXXX XXXX XXXXXXXX XXXX XXXX  - Original creditor, XX/XX/2023 ( XXXX mos ) - Opened, Account status - Open, Type - No Account Type Given, Responsibility - Individual, Remarks - Placed for collection, Original creditor name - XXXX XXXX XXXX XXXX XXXX, I have no knowledge of this account and believe that this may have been identity theft. This account appears to have been opened on XX/XX/2023. I have no knowledge of this account and did not authorize anyone to open an account in my name. Nor did I see or have I seen the open amount. I have never done business with the original creditor. I believe this account to be fraudulent, and would like an explanation. 

I would also like to see supporting document from the company showing where this information came from. This information includes but is not limited to : To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. 

If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 

Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 

Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

Does your agency have a debt collection license in ( name of your state )? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. 

I requested this information so that I can make an informed decision on whether I am responsible for the debt. 

Please treat this debt as being in dispute.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove it in compliance to the FCRA : CALIFORNIA XXXX XXXX account # XXXX date opened XX/XX/year> XXXX
Consumer complaint received 2023-04-17
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act. This creator has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that?