davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-03-16
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. (CO)

Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}.
Consumer complaint received 2024-03-16
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. (AL)

Starting in XX/XX/XXXX, I consolidated all my loans to one payment. The consolidated company I use was XXXX XXXX  they have all my student loans balance. 
In XXXX XXXX my loan was XXXX in all and transferred to XXXX. 
In XXXX XXXX XXXX XXXX assist me with the PSL program and that's when my loan transfered to XXXX. 
The end of XXXX was time to recertification for PSL, and income driven payment. 
I was late turning it in trying to use the self service portal, so I end up calling the Department of education to see if I can be approved for a payment plan until my income driven plan kicks in. That's when the representative said she can defer me and I will not have to make a payment for XXXX. She said the payment plan will kick in XXXX. She stated I can call and remove it with out it affecting the payment plan. I check my credit again in XXXX I noticed an extra XXXX on my credit report with both companies still with the account open. I call XXXX it says no account available with that name. XXXX says XXXX has to close the account with the creditor because XXXX is over the loan now and that's considered duplicates.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (PA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN  YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2024-04-06
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2024-03-16
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. (CT)

Experian, a major credit reporting agency, has been under fire for its use of offshore agents who have access to sensitive personal information. This poses a serious security breach and puts consumers at risk of identity theft and fraud. Not only that, but the customer service provided by these offshore agents is often subpar, with many customers reporting constant hang-ups and unhelpful responses. It is unacceptable for a company like Experian to prioritize cost savings over the security and satisfaction of their customers. By outsourcing customer service to offshore agents, they are putting individuals at risk and failing to provide the level of support that consumers deserve. 
It is time for Experian to take responsibility for their actions and prioritize the safety and well-being of their customers. They must address this security breach immediately and improve their customer service practices to ensure that individuals are not left vulnerable or frustrated when seeking assistance with their credit reports. Experian, one of the leading credit reporting agencies, has been lacking in its approach to identifying credit fraud and misinformation on credit reports. In my personal experience, I have found instances where fraudulent activity was reported and resolved in as little as 24 hours. This quick resolution raises concerns about the thoroughness and accuracy of Experian 's investigation process. Credit fraud is a serious issue that can have long-lasting effects on an individual 's financial well-being. It is crucial that credit reporting agencies like Experian take the time to thoroughly investigate any claims of fraud to ensure that accurate information is being reported. A quick resolution may seem convenient, but it does not necessarily mean that the issue has been properly addressed. To maintain fairness and transparency in the credit reporting process, Experian must improve its approach to identifying and resolving instances of credit fraud. Consumers deserve a thorough and accurate investigation process when it comes to their credit reports, and Experian must do better in this regard.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stern Recovery Services, Inc. (NC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2024-03-16
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. (CA)

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 Bankruptcy XXXX ex XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (WI)

I bought a vehicle on XX/XX/27. I already had financing lined up and check in hand from XXXX XXXX. Regardless of this the dealership shot gunned my credit without my permission and without my knowledge to a lot of other lenders. Both the dealership and I have been trying to rectify this but credit bureau refuses to remove the unauthorized inquiries knowing full well that the unauthorized inquiries were done illegally! And that a letter was sent from dealership explaining this.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

I had requested that midland credit management cease all communications as described in the Fair Debt Collection Practices Act. To date they are still communicating with me. In my last complaint, they stated that they are allowed to report to consumer reporting agencies and that the term communication only refers to direct communication. However this completely goes against the procedures that were clearly defined in the FDCPA which defines the word communication as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. Consumer reporting is an indirect medium that this agency has chosen to continue to communicate a debt. This clearly violates my cease and desist request. This is my last warning before I proceed with legal action.
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (AZ)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Frther, I certity that I am permised by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willul misstatements or omissions of material facts consetutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. fam alleging that a person or company- without my authorization- used my personal Identitying information to apply for goods, services, or money : and, was successful in creating some accounts. All is being invessigated by the FTC
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (CA)

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.
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (MN)

Never heard of these people until XXXX of XXXX. Supposedly a sheriff personally delivered me a summons in XXXX when I was living in another state. 
It is supposedly some debt that isn't on my credit report nor do I recognize any of the " accounts '' they have listed. There are no original account numbers or any information whatsoever. 
Also, they said they have ALREADY garnished and taken my money from an account at a bank I have never in my life had an account with. If they have already taken my money, like their letter says, why do I need to call them to set up a " payment plan ''! 
I asked them for proof of debt. I got a ONE page letter with no information on it, certainly not the original debt or any account numbers or anything even remotely close to what they are required to send. 
It just says to call them to set up a payment. I am on social security so they can't even take my money in the first place. 

The supposed original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; which two phone numbers I found for them and I called. One was disconnected and the other was some lady who just said hello. I have never heard of this place. 

I am not calling them or giving them any of my real information. They already stole my current address from somewhere. 

I am also contacting the MN Lawyers Responsibility Board.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

XX/XX/XXXX i used atm in the amount of XXXX The next day their was atm withdrawal in the amount of XXXX and an attempt to withdrawal XXXX which was not me. I had my card in my possession at all times and noone has my number or pin. I immediately notified Credit Karma about the situation and had my card closed I also made a police report. 4 days later Credit Karma denied my fraud claim. With no explanation of why. The police inform me that it was most likely a skimmer on the ATM machine how can they make a determination before the police even finish their investigation.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY XXXX PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XXXX XXXX {$150.00}, XXXX XXXX  XXXX, XXXX, XXXX,