davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had an account with XXXX which was paid off by the Dealer in XXXX-XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies. 

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted Experian over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result Experian updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show XXXX XXXX as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and XXXX incorrectly and now I am being penalized. I also am complaining against XXXX XXXX XXXX for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (NM)

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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2018-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

By far, Citizens is the most grossly incompetent bank I have ever dealt with. The repeated misinformation I was given by their employees will end up causing me to forfeit a bonus I should have received with a different bank. I CLOSED this account on the phone with customer service with a XXXX balance in XXXX. I was very clear that I did not, under any circumstances, want a direct deposit ( or any other activity ) to take place after closure. I was assured by the customer service rep on the phone, and by her manager whom she connected with, that a " block '' had been placed on my account so nothing would go through. I called back on XX/XX/XXXX, and was again assured that normally Social Security deposits that come through on closed accounts are returned. Today, I found my errant Social Security deposit was indeed back in Citizens with the account reopened. I called, and for once did not encounter their usual 10- or 15-minute wait on hold, but was instead repeatedly disconnected. When I finally was transferred to a supervisor, she told me the first information was erroneous -- that, after again XXXX out my account, I would have to call to request a manager send a notice to a branch to finalize closing the account. Upon calling back to speak to a manager about following the procedure that had been described to me, I was told for a THIRD time that there was yet a different procedure. Now I'm told that I must personally send a letter to the branch office asking to close the account permanently -- they will not send the notice for me. Granted partial responsibility goes to Social Security for their failure to update my information ( despite repeated contact with them ). But all I needed to not suffer a financial loss was for Citizens Bank 's employees to actually know how their bank operates, and give me correct information so the deposit could be rejected and redirected to the correct bank. It is ridiculous that no two employees can provide the same information. At this point, I have no idea if the latest information is even correct -- why should I trust it to be accurate now, when apparently it hasn't ever been before? Let me add that the above is not the ONLY issue I encountered in my brief 3-month involvement. Other failures of communication, and misinformation, led to a domino effect that has proven ridiculously costly, both in time, money, and aggravation. My advice to potential customers : avoid this institution like the plague it has been for me.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I disputed a reporting of my Experian credit report in XX/XX/XXXX. The account in dispute is XXXX XXXX XXXX/XXXX XXXX XXXX. I provided the following documents to Experian at the time of the dispute. They were uploaded to the Experian dispute page via PDF attachment. 1. Copy of signed settlement agreement dated XX/XX/XXXX between myself and the XXXX stating they agreed to take payment of the full balance of {$6300.00} to close the account ( see attached ). 2. Proof of payment ( payment statement ) showing I paid the full amount the same day on XX/XX/XXXX and the payment was processed by my bank account on XX/XX/XXXX ( see attached payment statement and attached email confirmation of payment recieved by federal government ). 3. A summary record from XXXX stating the original date of the loan was XX/XX/XXXX not XX/XX/XXXX as reported and the original amount was {$6200.00} ( see attached Summary Letter from XXXX ).  4. A detailed letter by me explaining the situation, outlining the attachments and a requested outcome ( see attached ). On XX/XX/XXXX my dispute was update as " resolved '' by Experian even though it is not. ( See attached dispute results ). 1.  Experian never changed the total owed from {$1300.00} to {$0.00}. Experian payment history showed I owed {$6300.00} but only paid {$4900.00}. I never owned {$1300.00}, the paperwork I provided them showed I never owed that. Experian is still reporting the account as open/charge off instead of closed paid in full and they are still showing I have a balance of {$1300.00}, which I do not. How do I owe {$1300.00} still, when I originally owed {$6300.00} and I paid the amount of {$6300.00} in full and provided both the signed settlement letter and proof of payment?
Consumer complaint received 2024-10-30
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)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

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 2018-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

They are saying I am out of school as of XX/XX/2018. They did not do their research. The new school session started on XX/XX/2018 and I am currently a XXXX   XXXX. Also, the school on the loan needs to be updated to XXXX XXXX, they have the wrong school attached to the loan.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (FL)

I checked my credit report and noticed inquiries from unknown sources { XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX. I have not applied for any new credit accounts. I filed a complaint with the FTC as well.
Consumer complaint received 2024-10-30
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-31
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. (FL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX  {$3700.00} XXXX. XXXXXXXX XXXX {$3000.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have three negative accounts on my credit report for the same Student loan which is paid in full. How can I have a late payment over 120days in XXXX of 2023 but the loan has been paid off prior to XXXX of 2023. 

XXXX XXXX XXXX U S DEPT OF EDXXXX US DEPT ED I have reported this several times to these companies along with the three major credit buraus XXXX, Equifax and XXXX
Consumer complaint received 2024-10-30
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)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of certain accounts listed on my credit report. As a documented victim of a data breach, I am protected under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) and am entitled to have fraudulent accounts blocked and removed from my file. 
Below are the details of the accounts that I request to be removed : 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 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I monitor my credit with XXXX XXXX through XXXX and XXXX reports. On XX/XX/XXXX my FICO score with XXXX was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me Experian had made a remark on my report and that is why XXXX dropped my score and subsequently XXXX also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, 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. (TX)

I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.