davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (MD)

Letter Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure RESOLUTION As a consumer. by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating informations and deleting and accounts In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are medical collections on my credit report.
Consumer complaint received 2023-04-12
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. (CT)

I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN, COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : dispute Item and explanation.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these below mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

I am requesting contracts from Midland Credit that show I am responsible for the following debt with them : Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly Payment - Original balance {$450.00} I do not know a contract between myself and this company, I am requesting immediate deletion of the account from my credit report as it it causing financial difficulty for me and my family. I have attached a copy of the credit report from XXXX as well as identifying documents for myself.
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I reported this bank in XXXX. This government agency did nothing to Synchrony for their damage to my credit score. And because of that, Synchrony bank has now closed two more of my credit cards. Hurting my credit score. Same response as last time. My issue is with the fact that I rely on my 100 % on time payment and my perfect payment history to keep my credit score the way it is. I used to have bad credit over 20 years ago but have been working hard to keep my credit score the way it is and better. Now this bank has done it AGAIN. They are damaging my credit score. All because they can. They are so smug when you contact them, when you can contact them. I'm considering contacting a lawyer to find out if I can sue this bank for damages. If I had been irresponsible with their credit cards then I could see their reasoning, but they are looking at my other credit cards and making the decision. It's not their credit cards. My cards give me credit increases why should this hurt my credit? Isn't this supposed to help my credit rating? Instead, Synchrony uses it to destroy my credit rating. I've not received any deficit in my income and I've not defaulted on any of my cards. This is an outrage and the government needs to take action against this company. I am not the only one they are doing this to. And it needs to stop.
Consumer complaint received 2024-07-14
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: Exeter Finance, LLC. (DC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-05-13
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report from your organization on [ date you pulled your credit report ] and noticed a credit inquiry that I did not authorize. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. 

At this time, I am requesting that you launch an investigation into the inquiry by all three lenders to determine who authorized it. 

If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 

If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 15 days of the closure of this dispute. 

Thanks in advance for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hi this is a payday loan from XXXX XXXX XXXX that us being reported on my account as late pays from XXXX. This company routinely sends me offers to apply for new loans as well. This should not appear on my credit report at all and certainly not with these days when thus occluded XXXX years ago. I disputed this through Experian and I was given a generic answer of late pays from XXXX XXXX I did nothing with them since then and I want this either deleted on updated with the correct information. I have no signed contracts with this XXXX.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Portfolio Recovery Associates XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  RE : Complaint Against Portfolio Recovery Associates Account XXXX XXXXXXXX Dear CFPB, I am writing to file a complaint against Portfolio Recovery Associates XXXX XXXX ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and possibly other consumer protection laws. 
I dispute any and all debts that XXXX claims I owe them. I have not received proper validation of this debt, and I am requesting the following from XXXX : Debt Validation : A written document that details the debt, including the original creditor, amount owed, date of default ( if applicable ), and a breakdown of any charges. This document must comply with the requirements of XXXX CFR XXXX ( b ) ( XXXX ). 
XXXX XXXX : A copy of the purchase agreement between XXXX and the original creditor for this debt. 
I am revoking all of XXXX 's rights to communicate with me through email, text messages, or calls. Please only communicate with me by mail at the address listed above. 
Additionally, I believe XXXX is violating my rights by : Failing to provide an opportunity to dispute the debt before reporting it to credit bureaus ( XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) ). 
Using false or misleading representations and deceptive means to collect the debt. 
Furnishing inaccurate information about the debt to credit reporting agencies ( XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( XXXX ) ( A ) ). 
Potentially violating XXXX XXXXXXXX XXXX : XXXX and its subsections. 
I request that the CFPB investigate these violations and take appropriate action against XXXX. This XXXX include requiring XXXX to cease communication with me, remove inaccurate information from my credit report, and potentialy compensate me for damages caused by their actions. 
Thank you for your time and attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-13
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)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I had applied for a HAMP Loan Modification with Nationstar Mortgage, during XX/XX/XXXX and submitted all the required docs from time to time. Initially they refused to consider me for a HAMP Loan Modification, because I did not default on my Mortgage Payments. However I sent the attached letter dated XX/XX/XXXX, through CFPB. They responded to this, through their letter dated XX/XX/XXXX ( copy attached ) expressing their regret that they did not evaluate me for a HAMP Loan Modification and assured me that they are going to do this. However, their attached letter ( dated XX/XX/XXXX ) of rejection came as a surprise to me. It simply says, '' Insufficient Payment Reduction '', as the reason for denial, without giving any specific calculations whatsoever. According to me, if the 4 Standard Waterfall Steps of HAMP are followed, there can be about 32 % reduction in my Monthly PITI Payments.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PR)

XXXX XXXX to go a dining set on XX/XX/2021 for the amount of {$1500.00} with an interest-free promotion. Room to go is charging me a security fee that I do not authorize in XXXX this fee adds {$200.00} to my account they say it is insurance when I contact synchrony bank but they never put insurance on my purchase. The promotion is XXXX months without interest, this would add {$400.00}, this is XXXX XXXX above, this is a steal. They do not want to reimburse me for this money that I do not authorize to collect.
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (FL)

victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XXXX, XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX  XXXX  balance XXXX opened XXXX XXXX XXXX XXXX XXXX  XXXX balance XXXX opened XXXX XXXX XXXX XXXX a balance XXXX opened XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was reviewing my credit report and came across unauthorized information reporting. Please remove immediately. 

XXXX XXXX XXXX XXXX {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX My only phone number is : XXXX Remove all old addresses Remove all other phone numbers
Consumer complaint received 2024-05-13
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. (NC)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX : {$1100.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XX/XX/year>
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am reaching out again to notify you that I am a victim of fraudulent activity and to dispute certain items in my file resulting from this crime. The items in question do not relate to any transactions for goods, services, or money that I have made or authorized. Please remove the following items that resulted from identity theft : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} -- -- -- XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}. These items are unknown to me. Additionally, information provided on some accounts has been deleted from other bureaus, raising doubts about their accuracy. The reported payment history on some accounts is also a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind.
Consumer complaint received 2024-06-26
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-13
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. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks : DATE COMPANY ADDRESS XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX DATE COMPANY ADDRESS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have a reference number is XXXX at : IdentityTheft.gov. I was a victim of identity theft a few months ago.
Consumer complaint received 2024-05-13
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ''
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you that the associated accounts linked with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference. 

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the charged off accounts currently being reported on my consumer report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.