davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (NY)

It says that I owe money for the month of XX/XX/ I Owe a Final Bill Of XXXX $ Which my bill was never that much as well as I had a payment plan that I payed every month to ensure my bills were lowered. I moved out in XXXX and gave them card information to a bill.thats was of {$86.00} and I gave them my new mailing address to forward any additional information they had failed to send me any additional information proving that I owed money as well as just added it to the credit bureaus. After receiving the debt, I asked them for additional information from the electric company they had told me it was too late, and that I would have to receive all billing information from the debt collector. The debt collector had failed to show me any previous billing that showed why I owe {$300.00} also said they couldnt not provide because they didnt have it I have gave meter readings which I gave you final bill reading on XXXX XXXX I have meters inside my house so I have to give them the numbers to get an accurate reading an accurate price. It was up to the electric company to send me my final billing notice. They had this information because they had sent me a late letter months after I was already sent to the credit bureau. As well as telling me My final bill was XXXX $ on XX/XX/. I feel this is unfair and that I should have proof of why I should be paying this amount. If they can not provide additional information on why I owe {$300.00} and I dont see that I should be fit to pay the full amount or any amount
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 8
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you XXXX  days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2024-11-01
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. (TX)

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your pro
Consumer complaint received 2024-11-02
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. (VA)

I have reached out to all 3 credit bureaus for the last few years in regard to inaccurate information. I have gotten letters back in the mail stating that my request does not seem to be coming from me. I have taken it a step further this time including my ID and mail to confirm that it is in fact me. I have a lot of hard inquires that were not authorized by me. I also have found a derogatory mark on my public record on all of my reports each with different information. As well as incorrect addresses, phone number, employer, etc. that I asked to be removed.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sessoms & Rogers, P.A. (NC)

I am writing to express my disappointment with the inaccurate credit reporting done by Sessoms and Rogers PA. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Sessoms and Rogers PA, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Sessoms and Rogers PA has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Sessoms and Rogers PA immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Sessoms and Rogers PA does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.
Consumer complaint received 2024-11-01
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-02
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)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2022-08-19
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 was contacted by XXXX for an interest free balance transfer. On XX/XX/21 and XX/XX/21 XXXX did 2 unauthorized hard inquiries on my personal credit report. 

I have contacted XXXX advising them that the 2 hard inquiries were unauthorized. I requested deletion letters for both hard inquiries. I was told that I had to contact the credit reporting agency. I know that to be untrue. 

I have had a loan with XXXX for 4+ years and a credit card with a XXXX credit line. When I was contacted about an interest free balance transfer I requested a credit increase to XXXX. I was told they would review my credit within the company. If I had been asked for authorization to run a hard inquiry I would have refused. I was never given a chance to authorize because I was never asked. I certainly would not have authorized 2 Hard inquiries.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request that you, the credit reporting agency, block information on my consumer credit report resulting from identity theft and fraud, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX  Opened XXXX XX/XX/XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$1800.00} Auto Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$24000.00} I do not recognize any of these accounts or collections as they were not opened, made, or initiated by me. All the accounts listed above are a result of identity theft and fraud. 

Attached is a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof that these accounts are fraudulent. 
Please delete these accounts as soon as possible as it stopping me from been able to get approved for my home loan.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

As I reviewed my recent report, I have found a lot of erroneous and fraudulent information reporting on my EXPERIAN Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX
Consumer complaint received 2024-11-01
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. (FL)

I recently checked my credit report and noticed several fraudulent accounts and inquiries that I did not authorize, consent to, or benefit from. I immediately contacted the creditors and the credit bureaus, but no one has been willing to assist me in resolving these issues. Despite my efforts, including filing a new FTC report ( attached ), nothing has been done. 

This situation has caused me significant emotional distress and XXXX, and I am demanding that these fraudulent accounts and inquiries be blocked and removed from my credit report as required under the Fair Credit Reporting Act
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ive disputed with all three credit reporting agencies that the students loans with XXXX and XXXX are duplicate. They are also reporting that I was late, when I was always kept in forbearance. In my three reports there is no contact number for XXXX to dispute the late payments. Im frustrated with this issue as Ive tried to purchase a home and have been turned away due to low credit score. Im approved now however, there are 14 accounts that showed late payments which is affecting my score greatly! I was one of the students who was kept in Forbearance, the loans were removed for 8mths, and now they are back on. I dont understand? Ive struggled for over 15years with them.
Consumer complaint received 2024-11-01
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)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Current Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-19
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. (TN)

Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request the permanent blocking of a fraudulent account on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

The account in question, listed as XXXX XXXX was opened as a result of identity theft and is not my responsibility.

Section 605B of the FCRA mandates that credit reporting agencies must block information resulting from identity theft upon receiving appropriate documentation. Accordingly, I am providing the following information and documentation : 1. A copy of my government-issued ID to verify my identity.

2. A copy of the police report filed regarding this identity theft, which confirms that I am a victim and did not open this account.

3. A statement identifying the fraudulent account and requesting its immediate and permanent block from my credit report.

Please ensure that this fraudulent account is removed from my credit report and that it no longer impacts my credit score or report. This action must be completed within XXXX business days as required by the FCRA. 

I would appreciate a written confirmation of the removal of this account and any actions taken in response to my request.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX