davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (GA)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to trafficking- debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX
Consumer complaint received 2024-07-15
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)

This is my another complaint that I encountered incorrect credit reporting and I write to dispute this inquiry in my file resulting from the issue. The inquiry I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this inquiry in my credit file that resulted from the erroneous credit report entries : XXXX XXXX XX/XX/year>. This inquiry is unknown to me. Also, the information you provided on this inquiry was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-07-15
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)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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. (NC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-07-15
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-22
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (AL)

My account was originally with XXXX but sold to SST around XX/XX/XXXX. I was not giving a reason why the account was transferred or that the account that it was being transferred to was a debt collector because I wasn't behind in my payments. 


Recap to my original complaint. I apologize for not responding in a timely manner. I missed the email sent by you and I was going through some health issues that had to be addressed. 

I received {$1500.00}. I made payments starting XXXX of XXXX of {$98.00} a pay period every XXXX weeks. When I request this information from SST of my payment history they failed to do so. The correct amount of payments are not being reported to the credit bureau. I recently received a letter stating that I owe {$210.00} but the credit report States I owe {$2700.00} some odd dollars. I have only received {$1500.00} from the original owner. SST has called me and threatened to sue me send an attorney to my home and have me arrested in the past, but when I disputed the charge with the credit bureau all of a sudden as of XX/XX/XXXX the debt has been charged off. I recently received the amount owed is {$210.00} from XXXX XXXX XXXX XXXX regarding this debt. The confusion comes in where the loan was sold to SST ( Systems and Services Technologies ) but the demand for the funds are from XXXX XXXX XXXX XXXX. The original loan was supposed to be a savings account in the end but after I paid what I borrowed I stopped the payments due to the fact that the rest of the money was supposed to go into my account as a savings I choose to not do that. But they say that I'm still obligated to pay the entire {$4000.00} plus interest. Help. This is on my credit report as a negative for money that I won't pay to go into my own savings account.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Subject : Complaint Against Midland Credit Management Inc. for Debt Collection Violations Case Number : XXXX Complaint Overview : I am filing this complaint against Midland Credit Management XXXX for multiple violations of federal consumer financial law, including the Consumer Financial Protection Act ( CFPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Midland Credit Management Inc. 's actions violate California Civil Code provisions related to coerced debt and conspiracy to defraud. These violations have caused significant harm and distress, and I am seeking the CFPBs assistance in addressing these issues.

Details of Violations : Failure to Validate Debt ( FDCPA Violation ) : Midland Credit Management Inc. has failed to provide proper validation of an alleged debt despite my lawful requests. Under the FDCPA, I requested validation of the debt, including a true and correct copy of the original signed agreement, as well as a detailed account history. However, Midland Credit Management Inc. has not provided this documentation within the legally required timeframe.

Failure to Adequately Investigate Consumer Reporting Disputes ( FCRA Violation ) : I submitted a dispute to Midland Credit Management Inc. regarding incorrect information they furnished to credit reporting agencies. Despite this, they failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. As a result, inaccurate and damaging information remains on my credit report.

Wrongful Filing of Lawsuits ( CFPA, FDCPA, and California Civil Code Violation ) : Midland Credit Management Inc. initiated legal action against me ( Case Number : XXXX ) based on a debt that was not properly validated and likely incurred without my knowledge or consent. This debt falls under the definition of " coerced debt '' as outlined in California Civil Code 1798.97.1, which refers to obligations incurred without a consumers consent. The lawsuit was filed without sufficient evidence, constituting a deceptive practice under the CFPA and FDCPA. Furthermore, their actions suggest a conspiracy to defraud me, violating California Penal Code 182 ( a ) ( 4 ), which criminalizes conspiring to defraud any person of property, including through fraudulent debts.

Harm and Impact : The actions of Midland Credit Management Inc. have caused me significant distress, financial harm, and damage to my credit reputation. The failure to properly validate the debt, to investigate my disputes, and the filing of a wrongful lawsuit have left me in a state of uncertainty regarding the legitimacy of the alleged debt. The wrongful lawsuit, in particular, has added to my emotional and financial burden.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-15
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, 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. (CA)

Dear TransUnion Credit Bureau, I am a victim of Identity Theft. My identity was stolen and used in order to gain some financial benefits. Someone or/and group of people applied to multiple Lenders, as a result some fraudulent hard inquiries appeared on my credit report. I have already contacted the lenders to make sure that no fraudulent accounts were opened. The following hard inquiries were not authorized by me. Please delete them from my credit history : XXXX Installment Loans XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXXXXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXXXXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Credit Unions XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXXXXXX XXXX XXXX Commercial Banks XX/XX/XXXXXXXX XXXX XXXX  Commercial Banks XX/XX/XXXX
Consumer complaint received 2024-08-22
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)

According to my consumer report I pulled on XXXX XXXX I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. 

If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf.
Consumer complaint received 2024-08-22
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 this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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 2024-08-22
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. (VA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  Balance {$0.00}, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased my home in XXXX XXXX in XX/XX/2002. My original Lender, that I made my first payment with, was XXXX XXXX  XXXX. Bank of America became my Lender after a Merger of the two companies. My original payments made to XXXX and all corresponding paperwork I signed, should be with Bank Of America. I want my XXXX file which should include my payment history, loan application, deed, note, and all monthly statements.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by Experian and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2024-07-15
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)

Why are these negative accounts still on my record? I filed a complaint with the FTC a while ago, but no action has been taken so far. Additionally, I received a letter from the bureaus stating that I am not the one to send the letter to them. This is incorrect, as I am the one responsible for sending my letters.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-15
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 XXXX 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 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-15
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-15
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)

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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate ( XXXX XXXX, Account number : XXXX )