davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (FL)

In checking my monthly credit report, I found that an unpaid charge to XXXX wireless had been turned over to collection. I do not have a XXXX account and never did ; there was a notation on the report that my information was turned over to something called " the dark web ''. I called XXXX XXXX and asked to speak to someone in their fraud department. they referred me to the Collection agency handling the claim. This is the information told to me by the collection agency. the account was opened on XX/XX/23 and closed by XXXX on XX/XX/23 ; it was sent to collection by XXXX on XX/XX/23, for the amount of XXXX as the balance due. The collection agency provided me with a street address and an email address, neither of which are mine. If you need it I can provide the XXXX account number and the collection agency account number.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MIDLAND CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE OF INTENT TO SUE Dear Sir/Madam, I am writing to express my intent to take legal action against MIDLAND CREDIT COLLECTION for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. MIDLAND CREDIT COLLECTION has failed to comply with laws outlined in the FCRA, resulting in several violations of my consumer rights. This is an ongoing issue regarding the debt that you are attempting to collect on behalf of XXXX XXXX XXXX. It has come to my attention that the original creditor has written off the debt, which means that I am no longer responsible for it by law. 

I would like to point out that, as I have no legal contract with MIDLAND CREDIT COLLECTION. It is against the law to enforce a voided contract. Once a debt has been written off by the original creditor, the responsibility for the debt no longer lies with me. Therefore, I am requesting that you provide proof that I have a legal binding contract with MIDLAND CREDIT COLLECTION proving that the debt is owed to your company. If you are unable to provide such proof, you are required by law to cease reporting a fictitious debt that is not legally binding to your company. This is consumer fraud and I am willing to protect myself at the fullest extent of the law. 

These actions have resulted in harm to my reputation, financial standing, and overall well-being. MIDLAND CREDIT COLLECTION conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. I demand that MIDLAND CREDIT COLLECTION take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If MIDLAND CREDIT COLLECTION is unwilling to settle this matter, I am prepared to take legal action to hold you accountable for your violations of the law with {$1000.00} per violation.

I would appreciate your prompt response to this matter and ask that you cease all attempts to collect on this debt until such time as you can provide the necessary documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00}, XXXX XXXX XXXX XXXX Balance Owed : {$790.00}, If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (MD)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am reaching out for your help regarding the incorrect account reflected on my credit report. The harm to my reputation has been immense, and I need your immediate action. Your failure in handling my credit report has left me in a dire situation, as the incorrect details have tarnished my reputation. This must be resolved so I can focus on my family 's well-being.
Consumer complaint received 2024-04-23
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. (DE)

I am writing to express my continued frustration and disappointment regarding the unresolved issue of fraudulent items account, despite multiple attempts to address it. 

The presence of these fraudulent items not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I expect a prompt response to this complaint, acknowledging receipt and outlining the concrete steps that will be taken to address the issue. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 2023-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a roommate that I live with for 20 years who is using my identity getting fake accounts in my name getting phones in my name she had a ID with my name in her face. I contacted Bank of America to let them know that she had use all of my EDD which receipts of {$20000.00} which has three different disputes Ive sent documents I sent my receipt I sent my XXXX report, I said my police report my claim was denied over and over again please help
Consumer complaint received 2024-04-23
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

To whom it may concern, I am writing to dispute the late payments that have been reported on my credit report in relation to my account with your company. Upon reviewing my credit report, I noticed that there are XXXX late payments that are being inaccurately reported. I believe this could be a misunderstanding or error as I have always been diligent in making timely payments, as my payment history will reflect. 

I kindly request a thorough investigation into this matter to rectify the incorrectly reported information. As per the FCRA, I have the right to dispute inaccurate information on my credit report and that is what I am exercising. 

Please provide me a detailed explanation of the late payments and please provide any supporting documentation or evidence to validate the accuracy of this reported information. If it is determined that the late payments in this dispute were, in fact, reported in error, I request that you update my credit report to reflect these payments are in good standing immediately so that I may have an updated, and correctly reported, credit report as per law. 

Additionally, I request that you provide me with a written confirmation of the resolution once the investigation is completed.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The problem that Im having is that Im being double charged and funds not being applied to my balance for example Ill buy something it will deduct the funds from my balance then it will say processing then it take the funds again then I cashed out with my cash app and didnt apply to my current balance
Consumer complaint received 2023-04-07
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. (OH)

I recently pulled my credit report, and found numerous errors on my report. I am a natural person, I am a living human being. I have rights under 15 USC 1681 XXXX, Experian, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have a right to privacy and I did not give XXXX, Experian, and XXXX written permission to furnish these accounts. 

These are the errors I found XXXX & XXXX XXXX, account # XXXXXXXX XXXX XXXX, XXXX, account # XXXXXXXX XXXX XXXX, account # XXXXXXXX XXXX XXXXL, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXXXXXX XXXX, account # XXXX, XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, account # XXXX, Some of these accounts are passed the statue of limitations allowed to be reported on credit report, therefore they should have already been removed.hhhh
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-23
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 am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I checked the mailbox and noticed I received a letter in the mail from Midland Credit Management. This company wrote me stating they bought my account and I owed them {$720.00}. I spoke to a live agent on the company website and let the individual know I never opened an account with XXXX XXXXXXXX and I absolutely didnt receive a card from XXXX XXXXXXXX. The agent then stated that there were statements available, I looked at the statement which had about XXXX transactions I didnt make, the transaction dates from XXXX. I requested that there be an investigation. The agent stated that they would, but I didnt get any confirmation about that. I checked my XXXX account and there is no balance. Thus, I would like to report this company for fraud and predatory practices.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MI)

Nelnet is an utter failure. They are not able to handle the new rollout and can not give any real answers to simple questions such as " When will my payments post on my account '' or " when will my updated payment plan be instituted ''. This company is going to literally cost people XXXX  of dollars becuase of their incompetence
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XXXX XXXX
Consumer complaint received 2023-05-03
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: SYNCHRONY FINANCIAL (FL)

I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the inclusion of an incorrect address on my credit report. The address in question is : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( And all similar variations ) I certify that I have never lived at this address nor have I ever authorized any of my financial or personal information to be associated with it. 

This mistaken listing constitutes a significant error on my credit report that could potentially mislead creditors and impact my financial opportunities negatively. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate, complete, and up-to-date information on my credit report. 

Please note the following potential FCRA violations that may be occurring due to this error : Section 1681e ( b ) of the FCRA requires that all credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The inclusion of this incorrect address might reflect a failure to comply with these procedures. 

I am requesting that this address be removed from my records promptly. Please conduct a thorough investigation into how it was included in my credit report and rectify the error without any delay. 

Attached, please find copies of my identification and a recent utility bill confirming my actual address to aid in your investigation. I kindly ask that you notify me of the conclusion of your investigation and inform me about the steps you have taken to correct the error. 

Thank you for your attention to this matter. I expect your prompt response within the statutory timeframe as provided by the FCRA.
Consumer complaint received 2024-04-23
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. (MI)

I recently pulled my credit report XX/XX/2024 and noticed that some items on my report are inaccurate. And according to the Fair Credit Reporting Act 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 report relates. 

These Accounts XXXX [ XXXX XXXX XXXXXXXX ] Account Number : XXXX XXXX [ XXXX Account Number : XXXX Are not complete and accurate. 


[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, this account is not accurate. 


[ XXXX XXXX ] open date is not reporting correctly, last report date is not reporting correctly, balance is not reporting correctly, past due amount is not reporting correctly. This account is not accurate.
Consumer complaint received 2024-04-23
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. (GA)

Companies reported hard inquiries to my credit report illegally XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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