davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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)

Dear Sir or Madam, I am writing to request the removal of a late payment associated with a closed account that has been paid in full. This late payment is reported solely on my credit reports from Experian and XXXX. 

The details of the account are as follows : Account Name : XXXX Account Number : XXXX My request is based on the following laws : CFRA ( COVID-19 Financial Relief Act ) : This law provides financial protection and relief during the pandemic, acknowledging the difficulties many consumers face. The inclusion of this late payment does not accurately reflect the exceptional circumstances that may have affected my ability to pay. 

CARES Act : The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act includes provisions that protect consumers during the COVID-19 crisis. Since this late payment pertains to a closed account that has been fully paid, I believe its presence on my credit reports is unjust and does not represent my current credit history. 

TILA ( Truth in Lending Act ) : This law requires clear and accurate information regarding credit terms. If I was not provided adequate information or if the pandemic situation affected my ability to meet the terms, I believe this late payment should be reconsidered. 

Given the nature of this account and the mitigating circumstances, I kindly request a thorough review of this case and, if it is determined that the late payment does not accurately reflect my financial situation, that it be removed from my credit reports. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Unlawfully Furnished Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate and unlawfully furnished information that appears on my credit report. I request the deletion of the following accounts due to multiple violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  ( Also known as XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I reviewed my XXXX credit report on XX/XX/year>, and found the above items to be incomplete, inaccurate, and in violation of the FCRA. Under the Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies must ensure the maximum possible accuracy of the information reported. Moreover, 15 U.S.C. 1681i ( 5 ) requires that if information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the information must be deleted or modified promptly. Additionally, 15 U.S.C. 1681s-2 prohibits furnishing information to a consumer reporting agency if it is known to be inaccurate.

I request that the CFPB investigate these violations and ensure the immediate deletion of these accounts from my credit report. Please notify me in writing with the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report, I sent a letter to Trans Union on XXXX XX/XX/XXXX, asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and here is my tracking number ; XXXX on day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) in general If, after any reinvestigation under paragraph ( 1 ) 0f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer EXPERIAN .

And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX really did not reinvestigate. They lied on an official document saying they did something they did not do and I have evidence to prove my case.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In Experian, my credit report shows two different amounts from XXXX XXXX. I have emails from XXXX XXXX confirming one of the amounts, but my report shows much more than they confirmed. I disputed it with Experian and they denied it. They claim they only enter what XXXX XXXX tells them. They kept both amounts on my credit report. Both Experian, and XXXX XXXX keep sending me to talk to each other with no resolution. This additional amount shown in my Experian credit report is affecting me and nobody is helping me resolve the issue.
Consumer complaint received 2024-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Consumer complaint received 2024-10-22
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. (MN)

These loans are on my credit report. They are affecting my life. I did not authorize this. Code 15 USC 1681b This is against the law. Delete my personal information. 
Education loans. Department of Education XXXX  Delete these XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX an application was made with XXXXXXXX XXXX ( XXXX ) for a credit card. I tried using it, but the company refused to honor the discount offer with new credit card and would not give me a discount. We got no where with XXXXXXXX XXXX and they decided to take out the work done and bring my car to the state I took it prior to charges and/or repairs. However, my credit file took a hit. 

I was checking my credit file and saw that XXXX had decided to cancel the account for no reason. It was never in bad standing or anything and I was never notified of such cancellation. I called XXXX credit and told them that they should also take the hit that my credit report took since it will stay for another year. If I wanted a XXXX credit card, I would have to reapply and take a hit on my credit report. I was told by XXXX credit that they will notify Experian, but after I put a dispute the credit hit of XX/XX/XXXX has not been taken out as per the Experian dispute letter of XX/XX/XXXX. 

If a company for no reason is going to cancel a credit card within a year, they should also take the credit hit that was put on my credit. That hit lasts XXXX years. If I had to reapply, I would have to take another credit hit and it would show on my credit report. I am asking them to have that credit hit XX/XX/XXXX beremoved from my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXXXXXX XXXX {$1500.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXXXXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-10-04
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. (OH)

This is not a duplicate report and this is not filed by a third party or credit repair agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to - USC 1681 Section 602A states that I have the right to privacy.- USC 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX acct. # XXXX ; XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Furthermore, please provide the following : 1- The original contract with my signature on it. 2-Creditor information ( name, address and phone #, of original merchant. 3- The payment history and itemized billing associated with each account. 4- Proof of ownership ( proof that the company trying to collect this debt has authorization to do so ). If you can not provide these things, please delect these accounts from my credit report, Thanks!
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (TX)

The XXXX XXXX XXXX  I am financing with Santander Consumer, The car is totaled and has been for almost 3 months, my insurance company has been ready to pay them out, they are unable to produce a title for the vehicle after 1 year+ I have owned it, This is impacting my credit score greatly .... They have tried " gaining the title for the last 3 months '' and said it is my problem... I see no way in figuring this out and each day that goes by my credit is being impacted.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-22
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. (UT)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX All Banks XXXXXX/XX/year>
Consumer complaint received 2024-10-22
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This account still reads as open on my credit report but I have closed it and have paid in full. Unfortunately I had financial hardship which caused this account to go into a negative standings but I have since than paid the outstanding balance off in full.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-10-22
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to you as the holder of account number XXXX for my credit card, auto loan, and/or mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.