davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OK)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from CREDENCE RESOURCE MANAGEMENT : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
XXXX. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further. 
-You agree to pay all fee schedules. 

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX XXXX, beneficiary All Rights Reserved
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Old debt, duplicate debt and the same comments continue to reappear on all 3 of my credit reports over the years. 

specifically the remark ( excessive delinquent payments ). This remark is very XXXX and untrue.I am requesting that this remark and other negative remarks that have been on my reports for 20 years be deleted from all of my credit reports immediately. 

Thank you
Consumer complaint received 2024-04-17
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. (CA)

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This company does not have permissible purpose to furnish anything on my credit report I'm requesting a forward flow agreement or better knew as a purchase agreement if these document is not produced this account shall be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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 formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Experian. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Experian credit report. I am perplexed as to why this fraudulent account continues to be reported by Experian despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-
Consumer complaint received 2024-04-17
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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: TRANSWORLD SYSTEMS INC (VA)

Transworld Systems Inc Fraudulently Contacted one or all three credit bureaus without validating a this debt. I Required this company to supply me with a list of items to validate debt such as ; Proof of ownership, Proof of a contract between myself and their company, Proof company has a legal right to collect in my state ie. To date this company has failed to provide this information. This company is in direct violation of federal statues.
Consumer complaint received 2024-04-17
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 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

MIDLANDCREDIT This account was charged off on the following date XX/XX/2022 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : MIDLANDCREDIT - XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I received a notification that Experian reported an XXXX point decrease in my credit. I contacted the organization immediately to get an explanation. I spoke with two representatives and a supervisor and no one could give me an explanation for the decrease. Nothing changed in my report ; there were no new inquiries, derogatory comments, credit decreases, or missed payments. In fact, a creditor raised my limit, lowering my credit usage, which in turn reflects positively in my credit score. With no explanation to offer, I believe this decrease could be racially motivated.
Consumer complaint received 2024-04-17
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1100.00}
Consumer complaint received 2023-09-07
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. (OH)

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.

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 2024-04-17
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)

this account is not mines and needs to be deleted from XXXX XXXX XXXX Acct # XXXX. According to 15 usc 1681a ( 2 ) ( i ) this is a violation of my consumer rights. pursuant to 15 usc 1681e ( b ) ( c ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 


delete this from my report now
Consumer complaint received 2024-04-17
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. (FL)

Upon reviewing my credit report, I discovered inaccuracies in some of the information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that Experian and XXXX authenticate this account. It is imperative that this reporting account not be treated as unconfirmed information without providing evidence within the legal timeframe. Please investigate the unverifiable account outlined below as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) : XXXXXXXX XXXX XXXX  XXXX BALANCE : {$370000.00}
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-09-17
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear Equifax, After recently reviewing my credit report, I noticed an unauthorized credit inquiry. I did NOT authorize the following inquiry listed below. This was not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX XXXX Requested On XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-16
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)

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.

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 2024-02-18
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: CREDIT ACCEPTANCE CORPORATION (CA)

On the letter from credit acceptance corporation XX/XX/2022 I have received a a response and on the front page it says XXXX XXXX XXXX and the back it's says XXXX XXXX and they credit acceptance Corp said XXXX XXXX took the car to the body shop which was a lie because car has been repossessed and if it hasn't like credit acceptance Corp is saying in the letter I received in XX/XX/XXXX it states that it has been repaired using the XXXX  insurance from the XXXX XXXX down payment but how can you have did that if the vehicle wasn't reposed and it stated that I voluntarily signed a contract I will upload the contract and it's not my signature there was XXXX contracts I disputed with XXXX they removed XXXX and kept XXXX  XXXX  this would make the photos that Im uploading valid the vin number has been assigned to a new state it's been declared a total loss which it stated in the letter so it should be upgraded to positive or removed I disputed the amount on the contract with XXXX before for being XXXX and they removed XXXX contract and updated the contract to the amount of XXXXalso from the previous dispute with XXXX XXXX on the contract the cfpb sent my complaint to the ftc and I also made an ftc report I will be uploading these documents removing XXXX contract and updating it to another  contract regarding 15 us code 1681s-2 responsibilities of furnishers if reporting information to consumer agencies without my consent it's illegal and on the letter credit acceptance sent to me on XX/XX/XXXX it says to settle a debt only if the vehicle did not get repossessed which they did so there saying there not going to remove it which is illegal
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a purchase was made from XXXX XXXX XXXX in the amount of {$XXXX}. 

I filed XXXX complaints XXXX I clicked to escalate the case and everything disappeared initially. The from what the lady said that I talked said on the recorded call she reopened the case who goes by the name of " XXXX XXXX XXXX said that she reopened the case because a complaint was filed here? 

The purchase was made using the PayPal account and as such is COVERED BY THE PAYPAL BUYERS  WARRANTY. 

She sent a copy of the shipping confirmation to the WRONG ADDRESS as we are on XXXX and XXXX XXXX. 

In addition XXXX XXXX is in the same area and there is no XXXX XXXX that lives on XXXX XXXX. 

On top of that the delivery confirmation that she sent me has been determined to be FRAUDULENT. 

I AM DEMANDING NOW A FULL REFUND OF THE PURCHASE PRICE as is agreed to in the buyer protection program.
Consumer complaint received 2024-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KAHRS LAW OFFICES, PA (KS)

The law firm Kahrs Law Offices PA located in XXXX kansas at phone number XXXX, Sent me a letter about a debt from over XXXX  years ago, which was not mine, for a restaurant i have never heard of and on the date of the debt, i was in XXXX XXXX, not XXXX. Additionally they are attempting to collect interest on the debt for XXXX  years which is illegal.
Consumer complaint received 2024-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

The initial payment was applied only to interest. All subsequent payments have not been consistent with any amortization calculations. When I made extra payments they just applied more to the interest instead of to the principle. When I messaged them to inquire about they discrepancy they just said that they do a daily calculation. No further details on how they were applying so much to interest payments and not principle.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

3 accounts opened in my name and a building that I manage. There is no bank account affiliated with this XXXX, never has been. Sent to my home address. 
Accounts end in XXXX, XXXX. A bank card in my name was sent to me with acct end XXXX.I also received 3 letters saying this will affect my ability to opend an account at other financial institutions for up to 5 years. This is the most disturbing part. I have also had to freeze my credit and sign up for credit monitoring. These letters fro Bank Of America started to arrive late XX/XX/2024 and into XXXX. I do not bank with Bank of America and have never had a bank accound under any XXXX name.
Consumer complaint received 2024-04-16
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. (SC)

I was a victim of fraud and I recently I received a copy of my credit history report from Experian. That Report contained incorrect information reported by you. 
I contacted Experian, XXXX and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : { dispute_item_and_explanation } I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact Experian, XXXX and XXXX , immediately to remove this information from my credit file. 
Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information.