davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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)

This company XXXX XXXX XXXX XXXX is in direct violation of this law. 
15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX XXXX is reporting inaccurately.
Consumer complaint received 2024-04-24
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. (FL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-08-15
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the voluntary repossession entry on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I request that this information be promptly deleted from my credit report. 

Here are the details of the erroneous information : XXXX  Account Number : XXXX High Balance : {$60000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 72 Month ( s ) Past Due Amount : {$15000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} I contest the accuracy of the voluntary repossession entry on my credit report. The information provided is incorrect and misleading. There was no voluntary repossession associated with this account. 

I request that you investigate this matter and promptly remove the erroneous information from my credit report. As per the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report. Any failure to comply with this requirement may result in legal action. 

Please provide me with a written explanation of the actions taken to correct this error and confirm the removal of the inaccurate information from my credit report. 

I expect a response within 30 days, as mandated by the FCRA. Failure to rectify this matter within the stipulated timeframe will leave me with no choice but to pursue further legal remedies. 

Thank you for your attention to this matter. I anticipate a prompt resolution.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, I asked XXXX for an auto/home owner insurance quote. They proceeded to increase the quote by 100 %, after which I immediately cancelled. I had not dropped my old coverage, yet they had debited my bank account on XX/XX/2022 {$160.00} - Property and Casualty, XX/XX/2022 - XXXX Home Owner. Upon cancellation, I received a credits from XXXX on XX/XX/2022 for {$140.00} and {$77.00} on XX/XX/XXXX. To my surprise I began receiving constant calls from XXXX XXXX  a few months later XXXXXXXX XXXX time frame. I contacted XXXX, who told be there was an issue with backdating in their system therefore there was nothing they could do. I forwarded documentation to CSC on several occasions ( at least 3 times ) and spoke to them at least 6 times, to no avail. I provided them with proof of insurance to show I had not dropped my coverage, although XXXX withheld money from both policies. CSC did nothing but state this is what XXXX reported and there was nothing they could do. XXXX wouldn't get involved, CSC wouldn't perform any research, so they reported me to the credit bureau for an {$86.00} charge. I have perfect credit and I now have a collections through no fault of my own. No one will listen or assist.
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Earnest Inc. (OH)

Loans were issued through XXXX XXXX which were sold over to XXXX  to attend XXXX XXXX  which is now XXXX XXXX  XXXX. I attended from XXXX. This school is apart of the XXXXXXXX XXXX XXXXXXXX lawsuit. My interest rate went from 8 % to 15 % at the end of the year which I could not afford. Since I didn't think that private loans would have a chance of being forgiven, I refinanced them over to Earnest. Now XXXX has an application for private loan discharge and Earnest is saying I am not eligible to have these loans discharged since they were refinanced. The timing of this all is unfair because had I known, I would have never refinanced. I have been paying on these loans for over 10 years and have struggled to stay current. I only have an XXXX XXXX XXXX but still owe {$300000.00}. I don't even want to be refunded what I have paid. I just want these loans to go away. Please help.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on my credit report.
Consumer complaint received 2024-04-24
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

am writing to dispute the inaccurate information listed on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I request that this incorrect information be promptly deleted from my credit report.

Below are the details of the erroneous information : XXXX  Account Number : XXXX High Balance : {$60000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX  XXXX  Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 72 Month ( s ) Past Due Amount : {$15000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} It is evident that there are discrepancies in the reported information, including but not limited to the balance owed and the status of the account. Therefore, I request that you investigate this matter and promptly remove the inaccuracies from my credit report. 

Please be reminded that under the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report. Any failure to comply with this requirement may result in legal action.

I kindly request that you provide me with a written explanation of the actions taken to correct this error and confirm the removal of the inaccurate information from my credit report. 

I expect a response within 30 days, as mandated by the FCRA. Failure to rectify this matter within the stipulated timeframe will leave me with no choice but to pursue further legal remedies. 

Thank you for your attention to this matter. I anticipate a prompt resolution.
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I'm a natural woman submitting this complaint on the behalf of myself without any third-party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, XXXX and Experian is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Consumer complaint received 2023-10-28
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. (FL)

I looked in to my Equifax credit report and found multiple inquiries not authorized by me, I requested for Equifax to verify and validate and remove as stated in the fair credit act. Equifax responded inquiry are not removed for 2 year with out any verification The Following inquiries are in question XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX - XXXX XXXX - XXXX {$140.00} XXXX XXXX XXXXXXXX {$230.00} XXXX - XXXX {$1900.00} XXXX - XXXX {$1900.00} XXXX  - XXXX an {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$160.00}
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (TX)

Since the beginning of XX/XX/2022 I have tried to resolve this matter. This agency has violated my rights by disregarding my letters sent in to resolve this matter. Under 15 USC code 1681e ( b ) states that the Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate. This account has been deleted from XXXX but not this agency.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX, ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand. 
Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.
Consumer complaint received 2023-06-05
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)

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-24
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)

The right to contest my credit report is something that every American has ( In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance to the accepted standard of XXXX XXXX data field reporting ), and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable.I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support itYou must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with XXXX XXXX format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( XXXX ) and my updated personal credit report following any correction ( XXXX ) .The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (PA)

Capital Accounts continues to harrass me regarding a bill I do not owe. I have never went to XXXX XXXX office in my life. They provided me with a bill from 2016 which shows me nothing but my new address of the home I literally just purchased, I did not live in PA in 2016. The bill they sent just have the date of service and my NEW ADDRESS. This is crazy how they are trying to use this to validate the debt. They need to remove this negativity reporting from my credit file.
Consumer complaint received 2024-04-24
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. (PA)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX. acc # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX. acc # XXXX date opened XX/XX/XXXX XXXX
Consumer complaint received 2024-04-24
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. (PA)

On XX/XX/2024 Experian notified me via email that my dispute was completed and the companys response was verified and validated. I asked for the items used to validate date and they told me that they do not have to provide proof regardless of the rules of the FCRA. And if the company says its mines then its mine. I believe the company never verified or validated this debt as they just updated.