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

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I recently applied for a new American Express card online, hoping to take advantage of a promotion offer. Upon approval, I was informed that I would receive a {$400.00} statement credit and XXXX bonus miles. The terms of the promotion stated that I would earn the statement credit and bonus miles after making a XXXX purchase on my new card within the first six months, and after spending {$6000.00} in eligible purchases within the same timeframe. 
I made sure to meet the required spend threshold within the allotted time frame, but unfortunately, I did not receive the promotion offer as promised. I contacted American Express customer service to inquire about the status of my bonus, and they initially assured me that I qualified for it and that it would take around 7 business days to process. And they appreciated my long-term American Express customer over 20 years. 

After waiting a few weeks without receiving the bonus credit, I followed up with customer service again. However, this time they informed me that I did not qualify for the promotion. They claimed that when I received approval for the card, it should have indicated that I was not eligible for the promotion. This is not accurate - I never received any notification indicating that I did not qualify. 
I believe that American Express should honor their original promotion offer and provide the bonus credit as promised. I hope that we can resolve this matter amicably and fairly.
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. (KY)

Dear Sir or Madam, I am writing to request the removal of a closed account with late payments that has been paid in full. This account is reported solely on my credit reports from XXXX and Experian, and I believe its presence is unfair and does not accurately reflect my current financial situation. 

The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The existence of this closed and fully paid account with late payments may be considered inaccurate in the context of my credit history.

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate and truthful information. The presence of this account may not align with that obligation, given that it has been paid in full.

Right to Deletion : Under applicable laws, there may be grounds for the removal of information that does not accurately reflect the current status of an account. A closed account that has been paid in full but contains late payments may unjustly affect my credit history.

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
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. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MN)

I had a BEST BUY/CBNA credit card back in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XX/XX/XXXX I had late payments this was awesome my first winter of having a XXXX job so I was unprepared for the low amount of unemployment I was going to get and the amount of bills that I had in XX/XX/XXXX I paid in full and closed this account
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Spring Oak Capital SPV LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation account # XXXX Dear Spring Oak Capital Credit, I am writing to request validation of the debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : 1. Please provide documentation proving that I am responsible for the debt in question, including the name of the original creditor and details of the account. Communication that I agreed to the debt and proof that the debt has been verified and I am responsible for it.

2. I request written evidence showing that your agency has the authority to collect this debt on behalf of the original creditor with Chain of title and Original Contract with my wet signature 3. Please provide a full accounting of the alleged debt, including the original amount, any fees or interest added, and any payments or credits applied. My last payment was made to you.

4. I request if any of the above are not valid to delete this account. Request to be disputed and please update all three credit bureau. 
Until the requested information is provided, I respectfully request that you cease all collection activities related to this debt, as required by law. 
Please send your response and documentation to the address listed above no later than 30 days. 
I also request that you do not contact me by phone, but only in writing. 
Thank you for your attention to this matter. I look forward to your prompt reply. Sincerely,
Consumer complaint received 2024-09-13
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. (MS)

Subject : Violation of Timely Response Requirements Under FCRA and CFPB Standards Request for Deletion of Accounts Dear CFPB, I am writing in regards to the handling of my complaint, filed on XX/XX/year>, concerning inaccurate credit reporting by XXXX XXXX XXXX. Both the companys and CFPBs responses reflect violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) 's complaint handling guidelines. 

1. Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency ( CRA ) must investigate a dispute and report the results within 30 days of receiving the complaint. Extensions to 45 days are permissible only if additional information is provided by the consumer during the investigation. 
My dispute was submitted on XX/XX/year>, and as of XX/XX/year>, I have only been informed that the company is still working on my issue. This exceeds the 30-day period stipulated by the FCRA, making the company non-compliant with its obligation to promptly resolve or provide the results of the investigation. 
2. CFPB Complaint Handling Process Violations The CFPBs policy requires companies to respond to complaints within 15 days. The companys response, as of XX/XX/year>, simply indicates that they are still working on the issue, with no final resolution. 
Allowing an additional 60-day period for a final response, as indicated by the CFPB, contradicts both the CFPBs timeframes for handling disputes and the FCRAs 30-day maximum timeline. 
3. Request for Immediate Action Account Deletion, Not Closure In addition to the violations listed above, I am demanding the deletion of the inaccurate accounts from my credit report, not merely the closure of these accounts. It seems that XXXX has closed the account after my demand to have it deleted. Closing accounts, especially when they were never valid or authorized, does not fully resolve the damage caused. Deletion is necessary to ensure these incorrect records are permanently removed from my credit history. 

Summary of Requests : Immediate Conclusion of the Investigation : I request the company be directed to complete the investigation without further delay and provide a final response in compliance with the FCRAs 30-day requirement. 
Permanent Deletion of Accounts : I demand the complete deletion of the disputed accounts, not just closure, to fully resolve the inaccuracies. 
Response Within 5 Days : I require these actions to be completed within 5 days from the date of this communication to avoid further escalation. 
Escalation of My Complaint : The CFPB should enforce compliance with its own policies and federal law to prevent further delays. 
Thank you for your immediate attention to this matter. I expect the deletion of the inaccurate accounts and a final resolution within 5 days. 

Sincerely, XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Incorrect Name- XXXX XXXX- Please remove immediately. 
Incorrect XXXX - XXXX XXXX- Please remove immediately. 
Incorrect DOB - XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately.
Consumer complaint received 2018-02-22
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. (MA)

The following address on my Equifax Credit Report is incorrect and does not belong to me because I have never lived in XXXX. The following address is as follows : Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

I have only lived in XXXX, XXXX, and XXXX. 

Thanks, XXXX XXXX XXXX XXXX
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. (AZ)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
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. (TX)

I am filling FTC Identity Theft to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. COLLECTIONS opened are XXXX XXXX XXXX {$2500.00} on XX/XX/20 on XX/XX/20 COLLECTIONS opened at XXXX XXXX XXXX {$380.00} on XX/XX/20 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX 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: 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 a reinvestigation regarding a late payment that has been reported on my credit reports from XXXX and Experian, but does not appear on my XXXX report. This discrepancy raises concerns about the accuracy of the information reported. 

The details of the account are as follows : Account Name : XXXXXXXX XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i, 15 U.S. Code 1637 ( b ), and 15 U.S. Code 1681s-2, I have the right to request the removal of inaccurate or unverifiable information from my credit reports. Given that this account is reported as a late payment by two agencies but not by the third, I believe this information may not be accurate and should therefore be removed.

I kindly request that a thorough investigation be conducted, and if it is determined that the information is erroneous, that it be immediately removed from my credit reports. This removal is crucial to ensuring that my credit history reflects accurate and up-to-date information. 

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

Sincerely, 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 — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted company and had fraud accounts closed. i also put a fraud alert on all three credit agency reports. I received a letter from Trans Union concerning my dispute to remove the hard inquiries from the company. the investigation has not resulted in the removal of the fraudulent inquires. Everyone is in alignment. The company closed the accounts and i informed the credit agencies. The XXXX hard inquiries should be removed by Trans Union. No reason to keep fraud accounts hard inquiries on my report to further hurt me with this incident. XXXX XXXX bank Inquiry date XXXX XXXX, XXXX, XXXX XXXX bank Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2024-09-30
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. (IN)

I tried to perform disputes about issues on my credit report on my own, and was unable to get the issues fixed. 

I hired a credit fixing company to assist me in correcting issues on my credit report. I received a letter from Experian about 30 days after the initial dispute was filed to inform me they did not believe I was the individual disputing errors with my credit report. Experian wanted me to deal with them directly although I could not get them to fix the issues previously. The letter had a phone number. I called the phone number, and the computer prompts only directed me to the website to deal with them directly as I had previously. I wrote Experian at the address provided informing them that I did authorize the disputes. I included their initial letter and case number. After 30 days I received a second letter to inform me they did not believe I was the one who authorized the disputes, so they would not be taking any action on the disputes. I am almost at 90 days with them refusing to investigate my disputes for incorrect information on my credit report.
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