davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. NEED THIS REMOVED FROM MY PROFILE ASAP. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-11-10
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. (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 it states I have the right to privacy, 15 USC 1681Section 604 A, Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a credit agency 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 2024-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

We purchased gift cards at XXXX totaling {$950.00}. The cards were fraudulent. We were told to call the gift cards company Incomm. We did call on XX/XX/2024 and they said that someone would look into it. We never received any correspondence, we called back on XX/XX/2024 and the We found out we had to submit paperwork and pictures of the fraudulent cards. Which was not disclosed to us on the initial call on XX/XX/2024. We sent said documents in, and we're told that the investigation would take 30 days. Well we received the replacement cards, and when we tried to activate them we could not. We then were told we had to send the same paperwork again to have them activated within 24 hours. We sent the documents again on XX/XX/2024 and now be told that we have to wait another 30 days for these cards to be activated. In the meantime we have been out of pocket {$950.00}. We are just asking for our rightfull funds.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (OH)

I am writing to formally request the removal of a closed account from XXXX XXXX XXXX listed on my credit report as a closed account with late payments, as per the Fair Credit Reporting Act ( FCRA ). This account has been turned over to an attorney. I am actively making payments towards this debt, and have been every month since XXXX of 2023 when the account was turned over to Attorney law XXXX XXXX XXXX XXXX of XXXX Ohio. 

Under Section 1681i of the FCRA, consumers have the right to dispute any inaccurate or unverifiable information in their credit reports. Given that this account is closed and I am taking steps to resolve the outstanding balance, I believe its continued presence on my report is not reflective of my current financial responsibility.

Additionally, under Section 605 of the FCRA, accounts that are paid or settled may be removed from a credit report after a certain period. I kindly request that you review my situation and consider the removal of this account from my report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

Last XX/XX/XXXX somebody started trying to apply for credit cards with my social security number. They have applied for countless credit cards with my information and opened up a account with XXXX XXXX fraudulently which tool XXXX  months to resolve. I learned about the when applying for an apartment. I would like the hard inquiries made by this criminal removed from my credit reports since I never applied for a XXXX XXXX or XXXX  XXXX credit cards.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported 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 XXXX XXXX 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 2023-11-10
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. (LA)

I received a copy of my credit report and found the following items to be reported in error. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXXXXXX. In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OR)

I have requested information about this debt and asked for this company to remove it from my credit report as this is due to identity theft. 
This company is rude and condescending when I speak with them and refuse to verify this debt.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-10
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. (NY)

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.

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 Code 1681b 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 2024-09-08
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-09-09
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. (SC)

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 XXXX : # XXXX, has violated my rights. 


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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello EQUIFAX, I just received a copy of my credit report and found this fraud credit card still opened under my name without my knowledge. I call the fraud team from XXXX and I was told I have the right to delete this fraud account from my credit report. This fraud account was reinserted to my credit report without my permission. 
I would like to exercise my right and this fraud credit card shall delete from my credit report. 

I call Equifax fraud team a few days ago and they told to resubmit the FTC report and they will delete this fraud account they added by mistake after deleted.
Consumer complaint received 2024-10-24
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. (IL)

Hi recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate this its the account name XXXX XXXX XXXX account number XXXX and XXXX two accounts one its for {$16000.00} and the other one its $ {$12000.00} thank you very much
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (AR)

First, this is a note for CFPB ; this company was not actually imitating a lawyer or anything like that, there just wasn't an option for anything else. 

On or about XXXX, XX/XX/2023, I received a phone call from a phone number, XXXX and the Called ID showed up as " XXXX XXXX. '' Now, I answered the phone because I was actually supposed to have a call from a doctor about that time. When I answered the phone, the person asked me to confirm that I was me, but didn't identify themselves. He then said he was going to transfer me over to a provider, and the transfer took all of a second, which seemed a little strange to me and more like they just handed off the phone. The other person then started talking, and at this time, I realized both of them had an XXXX accent, and it seemed a little weird. At this point, I asked who she was and she was with. At this point she identified herself and said she was with Midland Credit Management. This is when I hung up. 

The Fair Debt Collection Practice Act, specifically, 15 USC 1692e ( 10 ) and 15 USC 1692e ( 14 ), as well as the Arkansa Fair Debt Collection Practice Act, specifically, ACA XXXX ( 10 ) and ACA XXXX ( XXXX ), strictly prohibits debt collection agencies from using any type of deceptive practices to try and collect a debt. Because this call was extremely deceptive in nature, it is believed that Midland Credit Management violated the aforementioned articles of federal and state law. Each law affords a civil liability to the offender in the amount up to {$1000.00} per offense. It will be my intention, if this issue is not addressed by the company with 30 days, to file a claim in court for violations of federal and state law, as well as seek relief for each section violated. 30 days from the time of this filing will be XX/XX/2023. 

At this point and on this day, XX/XX/2023, I demand that Midland Credit Management cease any and all communication and collection efforts, to include but not limited to ; emails, phone calls, letters, post cards. Any communication, other than response through this filing, or an offer to settle this matter, will deemed as a further violation of the Federal Debt Collection Practice Act and Arkansas Fair Debt Collection Practice Act.
Consumer complaint received 2024-09-08
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: Experian Information Solutions Inc. (CA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have XXXX late payment on my XXXX XXXX Credit Card ( Account Number XXXX ), XXXX XXXX XXXX ( Account # : XXXX ) that is reporting late on XXXX of my credit reports but showing as on-time on my other credit report. 

According to 15 U.S. Code 1681 my reports need to show accurately and it is currently not.