davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (TX)

I appreciate the time taken to address the removal of certain items from my file due to fraudulent activity. However, there are still several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
Consumer complaint received 2023-07-03
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. (GA)

XXXX XXXX, Experian, and XXXX credit bureaus refuses to remove inaccurate, unverifiable, and fraudulent consumer information from my credit report even though I have submitted documentation that proves the account is inaccurate, unverifiable, and fraudulent. I have submitted my valid identification, identity theft report submitted to the FTC, Documentation submitted from the XXXX commission providing information that the vehicle reported is unregistered and associated to someone else with a different name and birth date other than myself. This account being reported also does not have my written instructions to have opened an account with the XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, and Experian refuses to delete this account from my report.
Consumer complaint received 2017-03-10
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Velocity Portfolio Group (VA)

I received a letter dated XX/XX/XXXX from XXXX in XXXX, MD who is attempting to collect a debt that I was already sued for by Velocity Investments , LLC in XXXX, NJ and the case judgement was Non-suit back on XX/XX/XXXX.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

I had XXXX accounts with comenity bank. 

Card XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX went out business and comenity closed the account instead of converting the account. No options were given and credit bureau was notified of this closure by comenity in which there was a negative impact on my credit report. 

Card XXXX XXXX XXXXe of credit XXXX. Comenity issued line of credit and card before I received the physical card in the mail comenity closed the account staying to many inquires after the application was already approved account open and card in the mail. Comenity reported the close to credit bureau cause a 2nd negative impact ti my credit score and rating. 

I feel these practices are completely unacceptable.I am very destroyed by this unacceptable practice.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-11-25
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. (IL)

In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP XXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
Consumer complaint received 2017-11-21
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)

XXXX send a letter to old address about possibly taking legal actions XXXX Spoke with them on the phone asking the to please stop sending anything to that address and also to stop calling. They couldnt provide proof. They then threatened that it would turn into them suing me. 

XXXX started calling relitives and telling them i put their number down as my contact info.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring a particular issue to your attention that I have been facing with the Credit Bureaus. I am an XXXX  individual and have been having a hard time getting a fraud alert removed from my account. 

The issue began on sometime last year. I noticed the fraud alert on my account. Since then, I have been attempting to get the fraud alert removed. 

In XXXX of this year, I contacted the customer service department of my financial institution and explained the situation. I was told that the alert would be removed within ASAP, however, the alert still remains. I have made several subsequent attempts to resolve this issue with the company, reaching out via phone and mail, but to no avail. 

I would like to mention that under the Fair Credit Reporting Act ( FCRA ), I am entitled to have complete and accurate information in my credit report. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) allows me to place and remove fraud alerts, which I have found to be a difficult process with my current financial institution. 

The continued presence of this fraud alert has caused me significant inconvenience and has limited my ability to manage my finances effectively. It has also caused undue stress and XXXX, as I am unsure about the status and security of my account. 

I am hoping the CFPB can assist me in resolving this issue by working with the credit bureau to remove the fraud alert from my account. Your assistance in this matter would be greatly appreciated.
Consumer complaint received 2022-11-18
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX 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 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 an 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 2023-08-02
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. (NJ)

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 XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I h

ave 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 informat
ion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has been reporting incorrectly. Not sending proper notification of validation for account listed on my consumer report. The dates of activity is factually incorrect and the activity date on the account is illegally reporting and improperly investigated. I will send the screen shot of the account so you can closely take a look at how it is improperly reporting inactive dates to ensure that the account remains open and listed on my consumer report. It is not correct validation. Give me the method of validation and process used please. The process that you used to validate the debt. Who you talked to contact and the address. 15 days to respond. Last Date of activity to keep updating this debt. Last Date of activity that you made a payment on the account. I never made a payment. That is fraud. Date opened on is incorrect, the amount owed on each report is incorrect, and reporting incorrectly. XXXX XXXX amount is incorrect XXXX las active in also incorrectly. XXXX date of payment. I have not made any payments and they haven't provided me with no XXXX XXXX  and they claim to have charged off the debt. I asked for a 1099c they ignored me and never rpodvide me wit it
Consumer complaint received 2023-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ridge & Valley Realty, Inc. (CO)

The original debtor never sent the bill to me. They sent ONLY to a debt collector. When I received the bills from the collection agency They were over the amount I should have been charged. The original debtor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX. The Debt collector is Credit Service Inc, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX.
Consumer complaint received 2016-07-02
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to AD Astra Recovery Services , Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with AD Astra Recovery Services , Inc. This was a XXXX Pay Day Loan and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by AD Astra Recovery Services Inc. In this case the debt should be removed from my credit report and out of the office of AD Astra Recovery Services , Inc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Consumer complaint received 2023-06-02
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. (MO)

I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. 
These accounts have been deleted from my other consumer reports. By law, Transunion is required to delete them as well. I have sent an FTC report to Transunion proving the accounts are fraudulent. By law, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. Transunion feels that is above federal law.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (OH)

This account is unauthorized and has invalid information and violates my 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 1681 Section 602 States I have the right to privacy.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Consumer complaint received 2023-02-13
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. (IL)

please remove the XXXX XXXXXXXX account because it wrong 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Under section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all reporting unknown debts on my credit report but have all ignored my requests to provide me with any documentation they have on file which validates the authenticity of these accounts. I sent each data furnisher this request by certified letter on XXXX XXXX, 2016 and to date have not received any such documentation from them. I believe this to be in violation of Section 623 ( a ) of the FCRA. I have notified Experian of this failure by above mentioned data furnishers to comply with section 623 ( a ) of the FCRA, and yet they continue to persist in reporting this item on my credit file. The FCRA states under Section 611 ( 5 ) ( A ), that if they ( the CRAs ) are unable to verify these accounts then they are required to " promptly delete all information which can not be verified ... '' They have ( as of yet ) failed to do so. Please step in to resolve this matter.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion significantly change information in my credit report from XXXX XXXX, 2016 to XXXX XXXX, 2016, which also significantly dropped my credit score from XXXX to XXXX. I have attached my TransUnion Comparison Report for proof. 

I spoke with some women in XXXX, outsourcing is terrible, who was clueless in helping resolve the problem.
Consumer complaint received 2024-02-29
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. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-02
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. (FL)

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally 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 has violated my rights.

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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.