davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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. (TX)

I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : This is my second time writing you to update my personal information. 


There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely Enclosed : copy of State ID and Utility bill showing proof of address
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX ( XXXX ) XXXX Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter related to the credit reporting of an account that has been charged off and closed, which continues to adversely affect my credit report despite my efforts to rectify the situation. 

The specific issue involves the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card account, which was charged off and closed, is still present on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), information that is inaccurate or can no longer be verified must be promptly removed or corrected. Despite the closure of the account, its persistence on my credit report is inaccurate and requires immediate attention. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I formally requested the removal of this inaccurate information from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ), which stipulates that consumers have the right to dispute inaccurate information and have it investigated and corrected. Despite my efforts, the inaccurate credit reporting remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and facilitate the removal of the inaccurate credit reporting. The persistent presence of this charged-off and closed account is negatively impacting my creditworthiness and financial standing. 

Your prompt attention to this matter is greatly appreciated, and I trust that your intervention will lead to the resolution of this issue in accordance with the established consumer protection laws. 

Thank you for your assistance and commitment to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-21
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. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

On XX/XX/XXXX and XXXX, XXXX, I contacted XXXX XXXX to disconnect my internet service while I was out of the country using their official XXXX ( XXXX XXXX XXXX XXXX  They did not have their own chat service. They did not disconnect my service and kept charging me and adding other fees ( I think ). They subsequently turned the alleged debt ( because they should have disconnected, could have disconnected, and did not ) to Credence Resource Management, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX. I sent a letter demanding information about the debt, etc. on XXXX XX/XX/XXXX. They did not respond. I believe XXXX did not provide all the necessary information ( e.g., I asked them to disconnect while I was away ) to Credence, but because Credence will not respond to letters requesting verification, I am not sure. 

Please do all you can do censure XXXX and Credence, and insist they amend my credit reports.
Consumer complaint received 2024-08-23
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX and XXXX XXXX
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

Around the end of XX/XX/, Citi Bank froze my bank account, which was the 2nd time that they have done so in the past 12 months ; The first time it took the bank nearly 4-5 months to provide access to my funds, in spite of their promise of 30-60 days. The most recent time, Citi held my funds for 4 1/2 months, which was far beyond their legal requirements. As a result, I was unable to make payments on my Citi Best Buy Credit Card during this period of time, as Citi was illegally withholding my rightful funds and did so for far longer than their own stated timeframe. Citis response was that my account was CLOSED on XX/XX/XXXX, so bc they returned my funds in XXXX ( which was still beyond 60 days ), then that meant they were within their rights. However, it took CitiBank nearly 3 months to close my account while withholding access to my funds the entire time without even providing a notice as to why my account was frozen - nor did they provide any details as to what I needed to do to remedy the matter or when I could expect to receive my funds. I had to make several phone calls to find this out on my own & I was simply told that I would receive my funds within 30-60 days from the day MY ACCT WAS FROZEN, not from the day THAT CITI DECIDED TO CLOSE MY ACCOUNT. Citi continues to do this to thousands of customers with impunity & they have now caused my credit score to plummet twice in a matter of 12 months all bc they think it is ok to withhold their customers money that is the customers rightful property. Citi closed my CitiBank Best Buy credit card and charged off the full balance after I had never had even a single missed payment for over 7 years of having that credit card. The only late pmts we have ever had were those that were a result of CitiBank withholding the entirety of our funds from our checking account. Citi has held tens of thousands of dollars of my money for 9 out of the past 12 months and they did so with impunity. I will be retaining counsel if Citi doesnt rectify this matter immediately.
Consumer complaint received 2024-01-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

XXXX. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX. XXXX ( XXXX ) XXXX. XXXX XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( have told y'all over and over again I have never heard from this company and neither you nor them have sent me proof of account and I am about to file a police report and report it and report it to the FTC ) XXXX. XXXX XXXX XXXX ( Again, absolutely no knowledge of this account and no one has provided me any proof. I have even written this company and have not received a response from them. I will be reporting them and yall as well if not removed. ) XXXX. XXXX, account XXXX, ( XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any validation to me. 


Best Regards, XXXX XXXX I have attached my payment history from XXXX card. My XXXX card  was not late, and if it was late for those 2 months then why is not reported late for the other months. It needs to be updated and fixed.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

Spent several hours on the phone and online on XX/XX/2018 with EQUIFAX attempting to help my XXXX year old father put a freeze on his account for security purposes. The EQUIFAX call center is in the XXXX and my father had a very difficult time understanding their English. The EQUIFAX reps refused to allow me to help him. They ask him numerous very difficult questions regarding his identity, such as his current credit card balances, old residential addresses including old zip codes, etc. When I attempted to help him answer, they refused my assistance. We finally gave up in frustration. My repeated attempts to freeze his account online were also fruitless. Each time I submitted all the information they requested I was looped to the beginning and was never able to confirm the freeze. The mail in form they directed me to has a glaring typo in the first sentence and an XXXX, Geogia address that does not match other addresses that I found for Equifax. That Address is : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ge. 
XXXX. The form I found online is entitled, EQUIFAX FREEZE REQUEST FORM. Please note the typo in the first sentence and the lack of clear instructions. I had no diffiulty in freezing my father 's accounts online with the other three major credit bureaus. Inasmuch as the geniuses in charge of EQUIFAX created this nightmare through their incredibly incompetent business practices, I would think they should be required to offer far better service. Thank you for your assistance in this matter. 
XXXX XXXX, caregiver  for my father XXXX XXXX
Consumer complaint received 2024-09-27
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. 

Account Information : Account Holder Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXXXXXX  Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.
Consumer complaint received 2018-09-28
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. (VA)

Experian is reporting inaccurate and re-aged account information on my credit file after I disputed it. They were advised that the company did not possess a license to do business in Virginia and that the account information is inaccurate. They claim they investigated and placed it back on my account. The company is NOT LICENSE ; therefore it CAN NOT be properly validated the account has been re-aged.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurate/Negative Items Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 6802 Dear [ TXXXX XXXX XXXX ], I am writing to formally dispute the following inaccurate and negative items listed on my credit report : [ List the specific negative items, such as account number or other relevant details ] Under the provisions of the XXXX XXXX  [ 15 U.S.C. 6801 and 6802 ], financial institutions are required to protect the privacy and security of consumers ' personal information. These laws mandate that institutions establish safeguards to protect sensitive information and prohibit the unauthorized sharing of personal data without explicit consent. I believe that the reporting of these negative items may involve a violation of these laws, as my personal information was not handled in accordance with the privacy protections mandated by federal law.Therefore, I respectfully request that you investigate these items under the Fair Credit Reporting Act [ FCRA ] and remove any information that is inaccurate, unverifiable, or otherwise improperly included in my report. In accordance with my right as a consumer, please provide written confirmation of the removal of these negative items of a detailed explanation of your investigation process within 30 day of receiving this letter. I expect that if you can not verify the accuracy of these items, they will be promptly deleted from my credit report. Thank you for your attention to this matter. Look forward to your timely response. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, my partner and I applied for a used-car loan from XXXX XXXX  XXXX The requested loan amount was about one-third of the purchase price and our ( as reported to us ) credit ratings were XXXX and XXXX, so we anticipated a quick approval of a loan whose monthly payment would likely be {$130.00}. 

XXXX did respond promptly, but rejected our application. They cited three reasons, two of which we knew to be false : ( 1 ) Wage Earner Plan or Bankruptcy; and ( 2 ) Insufficient credit history. 

For the record, my partner and I have never been subject to Bankruptcy proceedings or ever involved with any kind of debt forbearance plan. We are retired former bankers in our XXXX with long credit histories including XXXX credit cards, home and co-op mortgages/loans and multiple automobile purchases. 

Thinking XXXX XXXX  had been supplied incorrect credit information by Experian which resulted in our rejection, I immediately filed an identical application with my primary bank, XXXX XXXX, for the same loan. Within minutes, we were approved by XXXX -- on somewhat better terms than available from XXXX XXXX. 

I then reached out to both XXXX XXXX  and Experian to get our declination removed from our credit files -- where I was told it would remain until XX/XX/XXXX under a federal regulation. 

XXXX personnel said they were only acting on information provided by Experian and could not alter their decision or remove the record from our credit files. They sent me to Experian, where I spoke to two representatives. Neither would consider removing the declination from our credit records, although the latter did call up my credit file and acknowledged there were no mentions of bankruptcy or forbearance plans.
Consumer complaint received 2024-10-09
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-09
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)

To my shock, I found inaccurate accounts on my credit report today, and Im clueless as to why this is happening. I routinely check my report, but this time, there were sudden discrepancies. I tried refreshing the page, thinking it might be a glitch, but the errors didn't go away. I need the documents Ive provided to be reviewed carefully so I can finally stop stressing over this.