davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the Alleged debt, nor therefore any such debt. In fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX # 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 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, 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 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 2021-06-26
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: ENCORE CAPITAL GROUP INC. (AZ)

THE INFORMATION ON MY CREDIT REPORTS IS FRAUDULENT AND AFTER DOING MY RESEARCH I FOUND DOES NOT COMPLY WITH THE FCRA MANDATES ON MULTIPLE VIOLATIONS THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INACCURATE INFORMATION.- ERRORS THAT INCLUDE INCORRECT ACTIVITY DATES, ACCOUNT STATUS, DATE OF LAST ACTIVITY, DATE VERIFIED, DATE OPENED THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INCOMPLETE INFORMATION. FIELDS THAT ARE BLANK, MISSPELLED NAMES, THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT UNVERIFIABLE INFORMATION. - NO BILL OF SALE WITH AN ACCOUNT NUMBER, NO CONTRACTS WITH MY SIGNATURE, IP ADDRESS, ETC FOR ALL OF THE REASONS STATED ABOVE THEY MUST CEASE AND DESIST REPORTING ALL ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

- High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, ' while the second report lists a high balance of " {$14000.00}. ' This inconsistency raises concerns about the accuracy of the reported information.

- Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$9300.00}, ' while the second report lists the balance as " {$14000.00}. ' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance. 

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (FL)

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-03-09
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. (NC)

In accordance with the fair credit reporting act, this creditor ( MCM ) has violated my rights, under 15 USC 1681 section 6 a 2 states : I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (LA)

I checked my credit report and found a collections agency : Eastern Account System charge of {$550.00}. The original creditor is listed as XXXX XXXX XXXX. 

Eastern Account System did not provide written notification of debt or EVER contacted me about this debt or gave me the right to dispute this debt.

The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt
Consumer complaint received 2022-10-22
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX # XXXX & XXXX # 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. States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-17
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)

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 Account # ( Last 4 ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( last 2 ) XXXX  XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 2022-10-17
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. (TX)

Im not understanding how can yall still report active duty on closed accounts Im not understanding why yall are not listening to me what are yall still telling me Im lying so if Im saying its not me yall say its caused the company says its a match, so my identity information was stolen so you telling me its a match and Im a liar well Im telling you guys its not me its not fair to listen to them and not me Im a customer and Im very unsatisfied cause of the way Im being treated Im being treated as yall dont care about the victims of identity theft,, Wat would you do if it was you and they do yall this it wouldnt feel nice please removed those closed accounts and those negative items on my account please its not me please stop reporting closed accounts on my report dragging my score down worse than wat it is please
Consumer complaint received 2024-03-09
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: Experian Information Solutions Inc. (FL)

The XXXX financial obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in XXXX  when my mother got XXXX  and I was stuck in XXXX they would not fix it the XXXX # did not work there and they did not believe me. 

THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. 
I explained this to XXXX financial and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. 
The dealership representative told me the car went to the auction, then I was told by XXXX financial that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. 
This is what the manager said over the phone at XXXX financial There are XXXX types of lease buy outs : a ) XXXX where the dealership buys your car and takes care of all the customers cost. 
b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. 
I apparently had option B, so basically the dealer bought my car, sold it made money and XXXX financial profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after XXXX  and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. 
I finally threatened litigation to the dealership XXXX XXXX XXXX and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. 
I told all this to XXXX XXXX and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the XXXX dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past XXXX leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY XXXX FALSELY REPORTING ME. 
I WANT THE LATES TO ALL BE REMOVED FROM MY CREDIT
Consumer complaint received 2023-07-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NJ)

I was dismayed once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate.
Consumer complaint received 2024-03-09
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. (AZ)

I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. XXXX has my name wrong and the refused to change or provide me with my credit report. XXXX has my loans closing several time on my credit try to reach to them and tge refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. XXXX tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # ( XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 2023-08-09
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (MS)

In XXXX of 2022, XXXX American Express accounts were fraudulently opened in my name without my knowledge. I have never applied and have never opened any account with American Express previously. The criminals charged more than {$38000.00} to these accounts. I was made aware of these account only via my credit reports. At the time, I was a victim of major ID Theft. Multiple bank accounts I already had were hacked as well as a number of other credit cards. The criminals also physically walked into a bank and using forged, fraudulent military ID cards, withdrew {$1500.00} in cash out of my accounts. All other banks and credit card companies have determined everything I was experiencing as fraud due to this ID Theft. American Express refuses to accept my dispute. I have called American Express multiple times and no one from their fraud investigation team will contact me even though I was told multiple times I would hear from them. I faxed them XXXX pages of supporting documents including a lengthy police report acknowledging the fraud and ID Theft that I was a victim of, and yet American Express denies my dispute. On top of this, American Express refuses to give me any reason whatsoever as to why they are denying my dispute.
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (TX)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE