davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year>, I remotely deposited my paycheck into my BMO account. I forgot my online password and tried to reset it, but I could not. I called them to reset it, and they locked me out of my account. They transferred me to the fraud department, at which time I explained that this was my paycheck and that I would need access to my funds. They told me they were investigating it and it would take 14-31 days to resolve. Again, I explained that I have bills to pay and mortgages to pay, and withholding that for that long would be a problem. They said they could not help me and that an analyst would need to look at it, and it may take that long. There was nothing else they could do. I have not used this account very much, but it has been open for a while ( longer than 30 days ). 

I want to access these funds, and I have read that they can not withhold my paycheck for more than five business days, generally 2. I have not had any returns in this account and feel this is causing undue hardship.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am a victim of human trafficking and have been trying to rebuild my life. Due to Equifax 's personal, willful, and negligent intent to violate the law, I have been unsuccessful in my efforts to remove adverse accounts under the Debt Bondage Repair Act, a law that was signed by XXXX XXXX. 


Equifax violated my constitutional rights as outlined in the Fair Credit Reporting Act : 1. Section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted trafficking documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( XXXX ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX  in persons or XXXX XXXX  under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted trafficking documentation under 1022.142 ( b ) ( 6 ) of this section. 

In XX/XX/year>, Examiners of the CFPB has stated in their supervisory highlights that Credit Reporting Agencies are continuing to violate the laws set to protect me as a survivor. I have submitted court documents which shows the expungement of my criminal records ( Prostitution ) that was a result of human trafficking. Since the case was destroyed, the expungement qualified as a legitimate victim determination document. Equifax is consistently declining my request, claiming that they are unable to verify the documents. Under what authority does Equifax have the power to function as investigators, and how can they verify expunged court records? 

Now, my life is further endangered due to the intentional and irresponsible actions of Equifax and its representatives in disregarding federal laws. It appears that Equifax is attempting to further humiliate me by forcing me to contact each creditor to request the removal of the account, when the CRA should be responsible for complying with the law. 

I am asking for federal and state assistance to hold Equifax accountable for violating the laws set under FCRA. If anything happens to me, it will be due to Equifax negligence.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal info : Former : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2023 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 Name : XXXX XXXX
Consumer complaint received 2024-10-03
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. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

On XXXX/XXXX/2017, I requested the name and contact information for the investor that owns my loan which is currently serviced by XXXX XXXX XXXX. To date, I have not received a response from XXXX XXXX.
Consumer complaint received 2024-10-03
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. (IL)

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has severely impacted my reputation, and I need your help. Your mishandling of my report has left me in a difficult position, and the incorrect information has caused significant harm to my reputation. You need to remove these inaccuracies from my credit report.
Consumer complaint received 2024-10-03
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. (NV)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-08-08
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I viewed my credit report with Equifax online on XX/XX/XXXX, report # XXXX. I found incorrect information involving inquiries by an unknown co. ( XXXX XXXX ( this one affects my credit score ) and XXXX XXXX XXXX dated XX/XX/XXXX ) also incorrect town of residence ( it says it was reported in XX/XX/XXXXthat I lived in XXXX Pa XXXX ( I'v lived at my present address in XXXX, Pa since XXXX ) and an inquiry by XXXX XXXX XXXX XX/XX/XXXX . I'v never applied to XXXX XXXX for Ins. as far as I can remember. Equifax only lets you file a dispute if your accts. or creditor info is wrong. They do not give you an opportunity to correct the information that I listed above. Nineteen yrs at the same address is important I think for any possible creditors to see and my credit info does not show that. The inquiry from XXXX XXXX on XX/XX/XXXX was a hard inquiry which means it affects my credit score, and an inquiry by XXXX XXXX while not affecting my credit score, is at the bottom of a long list of insurance companies that I was trying to find a better rate with. I did not go to XXXX XXXX because my car was too old by that time to qualify for their new car replacement option. Equifax does not give the opportunity to remove or dispute any of this type of information.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-03
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. (NY)

Dear Equifax XXXX XXXX I am writing to formally dispute an entry on my credit report regarding a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and remove any information that can not be verified as accurate. I have never had any business dealings, nor have I signed any contract or agreement with XXXX XXXX XXXX. Therefore, I am not legally obligated to pay this alleged debt. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collection agencies from attempting to collect debts that are not valid or that do not belong to the consumer. Specifically, the FDCPA prohibits any form of false representation of the character, amount, or legal status of the debt. Since I have no contract or agreement with XXXX XXXX XXXX, any attempt to collect this debt is in violation of the FDCPA. 

Please conduct a thorough investigation of this matter. If XXXX XXXX XXXX can not provide evidence that this debt is legitimate and that I am indeed responsible for it, you are required to delete this account from my credit report pursuant to the FCRA. 

I request that you provide me with written confirmation once the investigation has been completed and the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved as soon as possible, as it is damaging to my creditworthiness and does not reflect my actual financial history. 

This letter asserts your rights under the FCRA and FDCPA, two key laws related to credit disputes. If Equifax can not verify the accuracy of the debt, they must remove it from your report.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

According to the FDIC Ive never received my insurance money for my account also was denied business credit was denied for too much hard inquiries which thats a violation to consumers rights! Ive never gave TD bank consent to close my account this really injured my business completely
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-02
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-10-02
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. (TX)

I am a natural person, I am a living human being. 

Experian is governed by 15 USC 1681 and have continued to violate my rights, Experian received notification in XXXX via FTC report of misreported information and all supporting documentation in regards to XXXX XXXX XXXX. This company also has received action by CFPB for their fraudulent practices and misreporting of consumer information. Experian continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX XXXX XXXX in the amount of {$1900.00} that is misreported on my file. This account XXXX XXXX XXXX must be removed from my Credit report and Experian held financially accountable for their false reporting of information. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX XXXX Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Address : Account XXXX Your NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Collection I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.