davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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. (GA)

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. Specifically the accounts that has been deleted but gets added back every time I order a new credit report. 

I must stress that the continued deletion and re-reporting of this account is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports. 

I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-12
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)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-12
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)

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

This account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Account XXXX XXXXXXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my XXXX  ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 2024-08-12
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)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$5300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am writing to inform you that I am a victim of labor trafficking, and as a result, my credit has been severely affected by fraudulent accounts that were opened and used without my knowledge or consent. I am requesting the immediate removal of these accounts from my credit report. 

During the period in which I was trafficked, I was under the control of individuals who exploited me and used my personal information to open and misuse various accounts. These actions were taken without my authorization, and I have since escaped the trafficking situation and am working to rebuild my life. 

The fraudulent accounts associated with my name have caused significant damage to my credit standing, which continues to hinder my ability to move forward and recover from this traumatic experience. I am asking for your urgent assistance in rectifying this matter by removing the following accounts from my credit report.
Consumer complaint received 2024-08-12
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 inaccuracies in my credit report that I recently obtained from your agency. Upon reviewing the report, I noticed that there are several errors related to names and addresses which do not correspond to my personal information. See the identity theft report attached with the list of incorrect names and addresses.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (CA)

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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I recently purchased my consumer credit report and learned that I have unauthorized inquires placed on my credit file without my consent. I did not AUTHORIZE anyone to MIS-REPORT or FRAUDULENT use my social for any purpose or matter without my consent please remove from my credit file 15 USC 1681 ( b ) 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 XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

This account to reporting inaccurately. I have called, written letters, and send disputes to all credit bureaus. I believe companies can not sell and or take you information and report it on a consumer report without yoir knowledge. This is aggravated identity theft according to the 18 U.S. Code 1028A. I have attached all my information for this request. I would like this account removed/deleted as it is hurting my efforts to obtain credit. Thank you for your help and consideration.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: WELLS FARGO & COMPANY (IL)

This deals with case # XXXX, in it i stated that Wells Fargo bank had called me to collect a debt I did not owe. This was in XXXX, they called even though I had told them XXXX10 months before that I did not owe them anything. they investigated and found that I was right. they promised to pay me the {$1500.00} fee for this infraction of the do not call registry on which I am enrolled.. This was told to me by XXXX XXXX, thier research and remediation manager, I was sent an agreement letter and a tax info sheet to sign and fax back. This I did on XXXX XXXX at XXXX. i have confirmation from Wells fargo it was received. I was told I would receive a check within 10 DAYS, NOT business days, 10 days period, that was yesterday the XXXX. I have not received the check and XXXX XXXX will not return my calls, this means they are in breach of the agreement and are throwing the rules in yuor face and mine, as they have violated the law and believe that they are above it I think they owe me another {$1500.00} and owe you an apology.
Consumer complaint received 2024-08-12
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. (NY)

I'm writing to communicate my XXXX with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-19
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. (CA)

On XX/XX/2024 Equifax credit union refuses to delete a hard inquiry from my credit report that is not authorized by me, which is fraudulent. I requested that the hard inquiry from XXXX XXXX XXXX be removed from my credit report, as it affects my score. This now causes punitive damages against me, Because my credibility gets ruined. That affects my personal assets and makes it harder for me to acquire things with a lower score, with unauthorized inquiries on my credit report. Under 15USC 1681 has violated my rights.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX debt bondage, which falls under XXXX  according to XXXX-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 mv identification as well as the informatin requested from the list of acceptable itms 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 2016-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GOLD KEY CREDIT, INC. (FL)

Stated their company does not maintain a " Do Not Call '' list after I asked. Stated they have the legal authority to call a cell phone after I informed them not to contact me on that phone. Ignored the National Do Not Call registry. Refused to answer all of my questions without me first stating my name. Stated they will call again. http : //www.goldkeycreditinc.net/
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Customer Financial Protection Bureau Supervision , Enforcement & Fair Lending Associate Director XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX OnXX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) alerting the CFPB of American Education Services egregious lending business practices and services. In my original complaint, I explained how I have exceeded repaying my original loan amount. However, AES fraudulent business practices provide for the creation of fabricated documents that restate loan closing terms and reflect invented terms and condition. This has resulted in AES restating usurious loan repayment conditions. For example, to date I have repaid approximately {$73000.00} ( of which $ XXXX has been paid in interest alone ) on an original principal amount of {$60000.00}. Still, AES claims I owe them {$53000.00}. This is usurious and at this point AES is willfully stealing money from me. In its response, AES through XXXX XXXX Vice President of Loan Operations ; represents that my obligation is represented in a document titled a Note Disclosure Statement. It is my position that this Note Disclosure Statement is a fabricated document prepared by AES to illegitimately substantiate claim to collect and in doing so, also prepared fabricated loan terms to further fleece borrowers. This dubious paperwork has been brought to light in recent NXXXX XXXX XXXX article that was published on XX/XX/XXXX. The article points out : Judges have already dismissed dozens of lawsuits against former students, essentially wiping out their debt, because documents proving who owns the loans are missing. A review of court records by The XXXX XXXX XXXX shows that many other collection cases are deeply flawed, with incomplete ownership records and mass-produced documentation. At the center of the storm is one of the nations largest owners of private student loans, the National Collegiate Student Loan Trusts. It is struggling to prove in court that it has the legal paperwork showing ownership of its loans, which were originally made by banks and then sold to investors. I have included a copy of this article that goes into further detail. It has also been announced that the New York Attorney Genral, XXXX XXXX XXXX is now looking into AES & NCTs business practices ( article included ). I encourage the CFPB to open an examination into AES business practices. It is my belief that a proper examination of AES would lead to deficiencies and conduct worthy of an enforcement action or result in a referral to the proper [ state ] attorney general or other federal authorities. Cc : XXXX XXXX XXXX Vice President Loan Operations - American Education Services XXXX, PA XXXX XXXX XXXX Assistant Director Supervision Examinations Consumer Financial Protection Bureau XXXX XXXX Assistant Director Enforcement Consumer Financial Protection Bureau
Consumer complaint received 2024-09-04
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. (GA)

I never did business with any of these companies : RE : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible Purposes of consumer reports, I never gave these companies Any written consent to report anything on my consumer report. As a consumer, by law these accounts must be deleted immediately or I will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2024-08-12
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)

Im FILLING to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance Owed : {$2500.00XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$88.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with them and they did not provide me with the original contract. Also, I received a letter from the CFPB stating that.it dosent appear on my Experian report but its showing on all my credit reports which already has been found as inaccurate