davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (KY)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-01
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 

XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX
Consumer complaint received 2024-10-01
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. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the inaccuracies on my credit report related to disputed accounts. Despite multiple requests for investigation, these errors remain unresolved, causing significant damage to my credit file and affecting my financial well-being. 

The ongoing presence of these inaccuracies has resulted in considerable hardship. I kindly request that you thoroughly investigate each disputed account and take the necessary steps to rectify my report as soon as possible. 

I urge you to treat this matter with the utmost priority to ensure the accuracy of my credit report. Your prompt action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (FL)

Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account # : XXXX Account Name/ Creditor : XXXX XXXX XXXX of 15 U.S. Code 1681s2 states : ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX disease XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX  disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect.

A late payment on my XXXX XXXX  Account was reported on my credit report from XXXX, as stated above any late payment occurring as a result of hardship derived from the XXXX pandemic shall be deferred. this error has caused my credit score to drastically decrease and my attempts to resolve this issue with creditor have gone un-answered. furthermore, it has come to my knowledge that XXXX is incorrectly reporting my account opening date be XXXX, XXXX but are reporting these late payments occurring in XXXX which is inaccurate. i request these late payments and inaccurate information be removed from my XXXX, EQUIFAX, & XXXX credit reports. I have supplied documentation of inaccuracies below.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost 6 months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by 30 days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within 90 days. I need this resolved as this is the only adverse information on my account and I need to refinance.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX added an account back to my credit report that had been removed a few months ago. By doing this, they violated the Fair Credit Reporting Act ( FCRA ). They failed to notify me within five business days of the reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and did not provide proof of accuracy, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). Since this account was opened without my consent and is linked to identity theft, not removing it is a violation of 15 U.S.C. 1681c-2 ( a ). Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX regarding this issue. Both XXXX and Experian failed to resolve the matter within 30 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and correct errors within this time frame. I request that you delete this account immediately. Failure to do so will result in legal action to protect my credit, with potential damages of {$1000.00} per violation.
Consumer complaint received 2024-10-01
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. (NJ)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 even years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-01
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. (PA)

Dear [ Credit Bureaus and CFPB ], I am writing to formally dispute several discrepancies found in my credit reports from Experian, regarding account number XXXX. The inaccuracies present in my credit report significantly affect my creditworthiness and financial stability. 

**Discrepancies Identified : ** XXXX. **Duplicate Reporting** : The account appears to be reported multiple times across different bureaus, which could mislead potential creditors about my credit history. 

XXXX. **Inconsistent Reporting Dates** : - The " Last Reported '' date ( XX/XX/2024 ) and " Date Last Active '' ( XX/XX/2024 ) show conflicting information, leading to confusion. 

XXXX. **Confusing Payment History** : - The payment history appears cluttered and unclear, with repetitive entries that fail to present a straightforward overview of my payment behavior. 

XXXX. **Incorrect High Credit and Credit Limit** XXXX - There are inconsistencies in the reported " High Credit '' and " Credit Limit, '' which can misrepresent my credit utilization. 

XXXX. **Missing Information** : - The report lacks clarity regarding past due amounts and payment status, which are essential for understanding the account 's status. 

These discrepancies not only misrepresent my credit history but also undermine my ability to secure necessary credit. I have made several attempts to resolve these issues directly with the credit bureaus, yet I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these inaccuracies and provide me with a written response detailing the findings. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX XXXX Account Name : XXXX Account number XXXX
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (AL)

Recently i was alerted i may have had my info breached along with over XXXX XXXX other records of Americans. After following the government suggested website, they advised i freeze my reports and check them as well. I recently unfroze my reports as i was getting ready to apply, so when i checked and saw 3+ inquires from companies that i DID not give consent to pull my report, nor did i have knowledge they would be doing so. After checking around i have come to the conclusion that this is illegal for them to do. That being said i requested the company remove these inquiries and send me a report back showing they were removed. i did not recieve one the first time so i am filing this complaint hoping you will help me make sure they take action on these fraudulent inquiries.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I recently applied for an auto loan and was told that XXXX is reporting 3 loan amounts. I had two parent plus loan consolidated into a direct loan. XXXX completed XX/XX/year>. XXXX is still listing the two previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of XXXX moving to a new platform and not reporting correcty. I am very concerned. I have called XXXX to have this rectified and was told they will reach out to the 3 reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked XXXX  score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith 100 percent payments made on time for everything and show that my debt to income ratio is accurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (CA)

Repeated, incessant phone calls from Radius Global Solutions ( XXXX ) XXXX. Representative refused to explain on what debt they were trying to collect ( called today XXXX ) Calls from Radius GS on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. ( All dates this year 2024 )
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have my car payments set up on auto-pay so it comes out the same date every month. I was paying more than I owed so I was ahead of my payment schedule. I took advantage of that and started to make a lower payment each month until I was caught up. I received a letter from Bank of America dated XX/XX/year> stating I had a late payment of {$38.00} and that is was due before XX/XX/year> for my account to stay current and to continue without default. I made the payment and it was received on XX/XX/year> and I actually ended up making the car not payment as well. So now I am a month ahead on my note. Next thing I know I get an email about my PERFECT credit decreasing, look into it and they submitted it as a late payment. If you look at my credit history I have always made my payments on time as I take great pride in my credit. This ended up hitting my credit for over XXXX points!!!
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.