davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I HAVE NEW PROOF INCLUDED in this complaint. After XXXX disputes Experian continues to report inaccurate information on my credit report. From XXXX department of Ed XXXX for XXXX student loans. Instead of doing a thorough investigation, like I requested several times, to contact XXXX XXXX XXXX to verify the student loans were transferred XX/XX/year> from XXXX to XXXX, they refuse to do an investigation properly. Instead they just ask to verify the old information on my report, if it is accurate, from the last report date of XX/XX/year> from XXXX about the XXXX loans. XXXX stopped reporting in XX/XX/year> because the loans were took over by XXXX XXXX & it's so simple, in yet Experian will not remove these XXXX loans from XXXX from my report! & XXXX keeps saying yes, when they verify if this info. from the last reporting date of XX/XX/year> is accurate, because in XX/XX/year> it was accurate! BUT IT IS NOT ACCURATE NOW & HASNT BEEN FOR MONTHS! XXXX XXXX has it reporting correctly, SHOWING I ONLY HAVE XXXX LOANS NOW WITH XXXX XXXX & IN XX/XX/year> US DEPT OF ED APPROVED ME FOR THE FORGIVENESS PROGRAM & THE OLDEST LARGEST LOAN THAT STATES XXXX on Experian report, ( ORIGINALLY $ XXXX ) WAS PAID 100 % IN FULL! Experian is reporting XXXX loans open instead of just XXXX open, with only XXXX XXXX. Experian in showing XXXX loans still with XXXX open & XXXX with XXXX XXXX, open. Im so sick of these errors & lack of CONSIDERATION FOR MY LIFE!!! & XXXX IS REPORTING XXXX LOAN, From XXXX, for XXXX which was agin transferred to XXXX XXXX & paid fully! This loan should be removed like XXXX removed the other XXXX loans from XXXX. I uploaded proof that the XXXX loans were transferred & the largest loan was paid off 100 %! & By law Credit reporting agency are supposed to report only accurate info & investigate fully! I have uploaded proof of the loan transfer & the largest loan being paid full, on Experian website & XXXX XXXX Experian still hasn't removed these inaccurate accounts & XXXX still has removed this XXXX inaccurate account. I am now starting the paper work for a law suit against Experian XXXX XXXX if they do not remove in 7 days, they had months to correct these errors.
Consumer complaint received 2024-04-20
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)

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Consumer complaint received 2024-09-06
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. (NY)

XXXX XXXX XXXX ACCOUNT # XXXX I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe. In accordance with 15 U.S. Code 1692 ( g ), I am entitled to request verification of this debt, including a copy of the original creditor 's agreement. Until such time that you provide this documentation, I do not acknowledge the validity of the claimed debt. 
Additionally, if you are asserting that I owe this debt to the original creditor, I request further proof, specifically documentation containing my written signature that explicitly acknowledges my agreement to be financially responsible for this debt. A simple statement or summary is insufficient ; I am requesting actual proof of the signed contract or agreement that binds me to the alleged obligation. 
Without this proof, you are not legally permitted to pursue collections, report negative information to credit bureaus, or continue to contact me regarding this matter. Failure to provide this documentation will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), and I reserve the right to pursue all legal remedies available to me. 
In addition, I have noted that you have been reporting negatively on this account to credit reporting agencies, despite not having validated the debt. This not only negatively impacts my creditworthiness but also makes it difficult for me to obtain any form of credit. Your continued negative reporting without validation is damaging and constitutes false and misleading information in violation of 15 U.S. Code 1692 ( e ).

Your constant phone calls and emails, despite my previous requests to cease communication, have caused me significant distress and violate 15 U.S. Code 1692 ( c ). I demand that you cease all forms of communication with me except for providing the requested validation or informing me of legal actions.

Please be advised that I am fully aware of my rights under the FDCPA, and I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and reporting this behavior to the credit bureaus, should this harassment and negative reporting continue without proper validation.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
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. (TN)

I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (OH)

Delate my inquiries of my credit XXXX XXXX  ( FINANCE ) XXXX XXXX 2024 XXXX XXXX XXXX XXXX ( FINANCE ) XXXX -- XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX CREDIT ( FINANCE ) XXXX XXXX XXXX  ( FINANCE ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX VIA DEALER ( FINANCE ) XXXX XXXX XXXX ( BANK XXXX XXXX XXXX XXXX  XXXX ( AUTO ) XXXX XXXX  XXXX ( FIANANCE ) XXXX XXXX  XXXX ( BANK ) XXXX XXXX ( BANK ) XXXXXXXX XXXX XXXX  XXXX ( BANK ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX BANK ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
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. (NY)

Upon reviewing my credit report I noticed that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumer 's report as debt.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I've reviewed my consumer reports and noticed that I had four late payments on XXXX XXXX  Account that I was never late. 
following accounts on the following date ( s ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

If proof can't be provided I demand these payments be updated as paid as agreed on time as they should be due to the fact I was never late.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland credit management threatened me to take me to court for a credit card debt from XXXX from XXXX. Its been XXXX XXXX. I told the representative I had no idea what they were referring to. I never owned a XXXX card. I requested backup. MCM refuse to provide backup. 

I honestly have no idea what theyre referring to.
Consumer complaint received 2024-04-20
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-31
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 DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had XXXX  effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-04-20
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)

This is my 2nd 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 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 2024-04-20
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. (IL)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: W&A Intermediate Co., LLC (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-04-20
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. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-09-09
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my XXXX XXXX. At no point did I authorize these entries, and their presence on my XXXX is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my XXXX immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of mXXXX XXXX XXXX, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my XXXX as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-04-20
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 looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. The date of birth is completely wrong. Also there are names on there that are not me. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The names that are incorrect are : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter asking them to reinvestigate these accounts listed below because XXXX and XXXX Acct # XXXX XX/XX/XXXX {$130.00} XXXX  XXXX Acct # XXXX XX/XX/XXXX {$1900.00} XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$370.00} Dept of EDXXXX XXXX XX/XX/XXXX {$3200.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6900.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$5500.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$9200.00} XX/XX/XXXX {$4400.00} XX/XX/XXXX {$3800.00} XXXX Acct # XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$280.00} XXXX XXXX Acct # XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX {$220.00} XXXXXXXX XXXXReported ( XXXX ) Acct XXXX XXXX XX/XX/XXXX {$80.00}
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023