davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Dear Sir/Madam, I am writing to bring to your immediate attention a matter of significant importance concerning inaccuracies in my credit report. I have identified several items that are not compliant with Metro 2 reporting standards, specifically related to the account managed by Midland Credit Management. I kindly request your prompt assistance in rectifying this matter.

Creditor : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Allias : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of Last Activity : Last reported XX/XX/2023 Dispute Type : Metro 2 Compliance Violation I have thoroughly reviewed my credit report and found that the reporting for this account does not adhere to Metro 2 standards. I am formally disputing the presence of Midland Credit Management and any associated negative credit impacts. I urge you to take the following actions : 1. Immediately remove the entry for Midland Credit Management from my credit report, along with any associated negative credit impacts.

2. Perform a thorough investigation into the Metro 2 compliance of the reporting for this account and negative reporting credit items.

3. Provide a detailed response outlining the steps taken to rectify this situation within the statutory time frame. 

Midland Credit Management has failed to adhere to the Metro 2 reporting compliance standards, and failed in any supporting evidence, to facilitate the resolution process. I trust that you will handle this matter with the urgency it requires.

Please acknowledge receipt of this letter and inform me of any additional information or documentation you may need from my end to facilitate this dispute.

Thank you for your immediate attention to this matter. I anticipate your timely response and resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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. (OH)

I have recently checked my FICO score and it seems that XXXX XXXX has placed a derogatory mark on my score. The XXXX XXXX student loan division does not even exist anymore. They have never corrected the error in my credit report, and this is negatively impacting it in a huge way. 

I have received a 1098E in the XXXX tax year and the loan was disbursed/forgiven. XXXX XXXX however has claimed this as a 1099C, and I also had to pay the IRS for the forgiven amount for the claimed 1099C as income. 

I am very unhappy at this point and demand XXXX XXXX take this derogatoryremark away from my credit report as soon a possible. 

To my surprise, I found out that XXXX XXXX STUDENTLOAN HAS BEEN PENALIZED by CONSUMER FINANCE in XXXX and was ordered to pay XXXX to the consumer andwas ordered to " CORRECT ERRORS ON CREDIT REPORTS '' The company itself was penalized for fraudulent activityand seems like it keeps doing it by destroying itsprior clients credit reports. I wouldlike this to be removed as soon as possible.
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

I attempted to purchase a washer and dryer from XXXX online in XXXX of 2024. Long story short, the dryer delivered did not work, so I refused delivery. The dryer was taken back with the understanding that a new dryer would be delivered. The new dryer was never delivered and I was told days later that the washer and dryer should have been returned together. At this point I told them to come get the washer, which had not been used, and to cancel the entire order. They came and took the washer the next day. In XXXX of 2024 I get a report that I have a bill 30 days delinquent from XXXX, which is the company that provides financing for XXXX. I explained this to them and was given the run around despite every operator confirming that my account did indeed show that the items had been returned/refused. They also did not seem to understand that they needed to report this error to the credit agencies as this had caused my credit score to drop XXXX points. So I lodged a complaint with the XXXX  on or around XX/XX/year>. This prompted XXXX XXXX an Executive Case Manager | Executive Escalations Support Group | eCommerce | XXXX XXXX XXXX to contact me promising to fix the issue as he could see that the items had indeed been returned/refused. 
Today, XX/XX/XXXX, I received an email asking me to confirm that I no longer had the items. After 15 days, that is the email response I get? Meanwhile, my credit score continues to drop and there has been no mention or attempt to mitigate the issue with the credit reporting agencies. I did open a dispute with the credit reporting agencies but have heard nothing back as of now.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

XXXX Complaint ID : XXXX XXXX Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


FRAUDULENT ACCOUNT : Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX CACS CC Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX,
Consumer complaint received 2024-08-16
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)

Unauthorized inquiries have suddenly appeared on my credit report, and I have no idea why. I checked my credit report as I usually do, but this time, there were discrepancies that took me by surprise. Even after refreshing my browser to see if it was a technical issue, the unauthorized inquiries didnt disappear. This situation has left me deeply unsettled, so Im requesting a careful examination of the documents Ive provided to prevent any future worries.
Consumer complaint received 2024-05-21
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. 

I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX account number XXXX has violated my rights. 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.

These accounts are reporting inaccurately and are impacting my livelihood. I have filed disputes to have these account removed. Please remove these accounts from my credit report
Consumer complaint received 2024-08-16
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. (NY)

This morning, I was shocked and confused to find incorrect accounts appearing on my credit report. I routinely check it, but today, these errors seemed to appear out of nowhere. I even refreshed the page, thinking it might be a browser issue, but the inaccuracies remained. This has left me quite stressed, and Im asking that the documents Ive submitted be carefully reviewed so I can finally put this behind me.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-05-21
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't recognize any of them since I suffered abuse by these companies to request my credit report without my consent
Consumer complaint received 2024-08-01
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Edd issued XXXX relief which I applied and wasngranted. Someone had without my consent changed information on my edd account and locked me out. Bank of American wouldn't help me either so I filed a fraud case with edd. Took them almost 7 months to close everything down. Boa will not refund money that I didn't have access to that was taken. When I requested paperwork for it they only gave me bits and pieces of what I asked for. Plus when they did finally shut it down the last XXXX + charges are from edd but they have no record of these transactions. After XXXX long years of fighting to regain my name, verify in my accounts, and after hours of phone calls I've been told to kick rocks by bank of america. this whole experience while XXXX was happening ruined me, my business, my relationship, my cars gone and I've lost my house. Unable to regain any footing has even left me homeless the past two years.
Consumer complaint received 2024-05-21
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. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/23 I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NJ)

I got a response letter from lexis nexis from my dispute through the cfpb saying they were going to submit a dispute to the consumer reporting agencies on my behalf and they dont have my permission to do that and i called and spoke to a lexis nexis representative and told her not to submit any disputes to anybody on my behalf and now i got a letter in the mail saying they submitted a dispute on my behalf to XXXX which they never had permission to do
Consumer complaint received 2024-05-21
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 XXXX 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (VA)

XXXX  is a third party biller who is incorrectly reporting delinquency on an XXXXBlinc personal loan. I have and will continue to pay my original creditor, XXXXBlinc directly.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2024-05-21
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: Experian Information Solutions Inc. (OH)

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX XXXX XXXX is reporting I have made late payments and failed to pay off the loan but in fact I paid off the loan in full closed account and after XXXX  months they followed up by starting to file there first XXXX day late payment on XXXX - XXXX following by a string up late payments until XXXX - XXXX after XXXX continuous months of false inaccurate payment information from XXXX OF XXXX they continued to charge the account with interest accumulating up to the debt of XXXX they then charged off the account wrote off a balance of {$120.00} and continued to sell the account to a third party debt collector : MIDLAND CREDIT MANAGEMENT XXXX XXXX who XXXX XXXX harass me further more on a debt I was never informed of neither by XXXX or XXXX after fighting to correct XXXX errors and have no such luck via XXXX I paid the debt in full to the collection agency I will be submitting the documentation to you in closed in this email showing confirmation of my claims. XXXX continued reporting the late payments, never verifying the information as requestion I have send multiple rounds of disputes over to them in which I have had no so luck. I feel I was taken advantage of and misguided into paying a debt I didnt owe to the collection company.
Consumer complaint received 2024-08-16
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.