davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (NJ)

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. 




XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2023-10-30
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

I called XXXX and they said they dont have an account with my name as an authorized user I pulled my credit report its not reporting on XXXX, XXXX but its showing on Equifax XXXX Equifax said its not showing on there end but when I pull my report showing. 
Would you please remove this from my credit report.
Consumer complaint received 2024-07-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

I am filing this complaint against Midland Credit Management for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation issued by the Consumer Financial Protection Bureau ( CFPB ). 
Specifically, Midland Credit Management has engaged in the following unfair debt collection practices : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Midland Credit Management has not provided me with the written verification of the debt that is required by law. This includes the amount of the debt, the name of the original creditor, and a breakdown of charges. Despite the lack of validation, they placed a collection notice on my credit report.

Denial of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair and meaningful opportunity to dispute the validity of the debt. This is a violation of my rights under the FDCPA. 
Unauthorized Furnishing to Credit Reporting Agency ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : Midland Credit Management has furnished negative information about the debt to a credit reporting agency without providing the required disclosures about my right to dispute the debt.

These practices have damaged my credit report and caused me significant stress.

Requested Relief : I request that the CFPB investigate these violations and take appropriate action against Midland Credit Management. This may include : Ordering Midland Credit Management to provide me with the required validation information for the debt. 
Ordering Midland Credit Management to remove the negative information from my credit report if I dispute the debt and it is found to be invalid. 
Ordering Midland Credit Management to cease all communication regarding this debt until the validation information is provided. 
I am prepared to provide any documentation that supports this complaint. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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)

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2024-04-26
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I submitted a complaint to Capital one in XX/XX/2023 to remove 2 fradulent credit cards opened in my name ending in XXXX and XXXX. I received a letter about a month later saying they will remove the acocunts and that still has not happened. I submitted numerous documents to them proving I did not open or authorize anyone to open them.
Consumer complaint received 2024-04-26
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$35.00}
Consumer complaint received 2024-07-05
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you to investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-26
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
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. (NY)

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF ACCOUNTS ON MY CONSUMER REPORT - IXXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-26
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. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

I had deposited a check in Regions Checking account yesterday on XX/XX/24 And wasnt notified when I deposited check at the teller that they were going to put a hold on that check until XXXX? Who put a hold on a check thats already been cleared and Im XXXX  % sure its been cleared because I tried to cancel check and its already cleared. Who put a hold on a check for XXXX weeks thats already been cleared? For this reason, I would like to report regions for misuse of funds and embezzlement, not only me but thousands of other Americans on a daily in this way. Who do you think is holding that money and who do you think is drawing interest on that money regions bank is why would they hold my money, unless it was to gain? This is happened to me countless times through Regions and I am reporting Regions and will be closing my account Indefinitely. I will not be banking with Regions ever again. Hopefully they dont hold my money ransom and tell me that I cant get it.XXXX this is wrong what theyre doing to people I have to pay payroll and have a vacation scheduled for next week. I cant even take that because theyre gon na have My money for XXXX weeks? This is extreme and excessive and seems like scandalous acts from regions banking. Now Im going to have to go to the bank tomorrow and insist they give me my money. going to have to leave work to take care of this and Im sure Im not the only XXXX. This is something that really needs to be investigated. They should be held accountable for all the stress and trouble they have caused me and thousands of other Americans every day!!!!!!! Paid for this vacation XXXX XXXX ago had it planned for XXXX XXXX!!! Very disgusted and disappointed with regions banking they are terrible. They are terrible And I dont care how you look at it or put it. They are drawing interest on everybody when they put these holds on checks and money has already cleared. Theres no other way to look at it.
Consumer complaint received 2024-04-26
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. (IL)

PLEASE BLOCKED AND REMOVED I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX, equifax and XXXX continued to report XXXX XXXX without proper investigation into the fraudulent opening of the account. It was reported as opened without authorization and charges was made on the account without consent. XXXX was notified and did not lawfully investigate the account or allegations of fraud. They didnt do a thorough investigation but asking personal family friends, neighbors, and only used information that was obtained by their own company and it is against federal law to not perform the investigation properly and lawful. And they cant use data information furnished by their own company
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX and XXXX continued to report XXXX XXXX without proper investigation into the fraudulent opening of the account. It was reported as opened without authorization and charges was made on the account without consent. XXXX was notified and did not lawfully investigate the account or allegations of fraud. They didnt do a thorough investigation but asking personal family friends, neighbors, and only used information that was obtained by their own company and it is against federal law to not perform the investigation properly and lawful. And they cant use data information furnished by their own company
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Fox Collection Center XXXX XXXX XXXX XXXX, TN XXXX Subject : Dispute of Debt and Request for Validation Dear Fox Collection Center, I am writing to formally dispute any and all alleged debts owed to your agency, account number XXXX, with an original creditor of XXXX XXXX XXXX XXXX. The reported balance on this account is {$240.00}. 
I recently conducted a thorough investigation of my credit report, which caused significant distress due to the presence of unverifiable, invalidated, inaccurate, and questionable information. Consumer reporting agencies are required by law ( 15 U.S. Code 1681e ( b ) ) to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 
Despite the presence of this disputed account on my credit report, Fox Collection Center has failed to provide the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Furthermore, Fox Collection Center has violated 12 CFR 1006.34 ( d ) and 15 U.S. Code 1681-S 2 ( 7 ) ( A ) by furnishing this account to a consumer reporting agency without providing all legally required disclosures. 


I am requesting the following information within 15 days of this letter : A complete validation of the debt, including the amount, date incurred, and original creditor. 
A copy of the original purchase agreement between Fox Collection Center and XXXX XXXX XXXX XXXX. 
Proof of your agencys licensing and bonding. 

According to 15 U.S. Code 1681i ( 5 ), if you can not provide verifiable proof of the debt within the 15-day timeframe, you must promptly delete this information from my credit report. I expect a timely response to this dispute and the requested information. Please provide written confirmation of the actions taken. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NM)

To Whom This Concerns, I am reaching out to request that you update my personal information in its entirety. I have tried multiple times by phone and by mail to have this information updated. I am requesting again that you update the personal information as stated in the letter as requested. 

I thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

To Whom This Concerns, I am reaching out to request that you update my personal information in its entirety. I have tried multiple times by phone and by mail to have this information updated. I am requesting again that you update the personal information as stated in the letter as requested. 

I thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Demand for Permanent Removal of Invalid Collection Accounts and Compensation for Violations I am writing to demand the permanent removal of three invalid collection accounts from my consumer report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Reporting Practices Act ( FCRPA ), Uniform Commercial Code ( UCC ), and privacy laws. These accounts have been reported by : XXXX XXXX  ( {$1100.00} ) - reported since XX/XX/XXXX ( 34 months ) XXXX XXXX XXXX XXXX ( {$8600.00} ) - reported since XX/XX/XXXX ( 9 months ) XXXX XXXX XXXX XXXX  ( {$6400.00} ) - reported since XX/XX/XXXX ( 6 months ) Each of these accounts has had a 1099-C filed by the original creditor, indicating that the debt has been forgiven. Despite this, your company has allowed these collection agencies to furnish my non-public personal information and report invalid debts, causing harm to my reputation and credit score.

I invoke my rights under : FCRA 615 ( a ) ( 1 ) ( A ) : Furnishing false information FCRA 615 ( a ) ( 1 ) ( B ) : Failure to correct errors FCRA 623 ( a ) ( 1 ) : Failure to ensure accuracy UCC 3-419 : Unauthorized reporting Privacy laws : Unauthorized disclosure of non-public personal information