davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (TX)

As of XX/XX/XXXX XXXX XXXX and XXXX are showing different and incorrect information on my credit reports. 

Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX shows that the XXXX account is PAST DUE and has a balance of {$5.00}. This is not correct. The account was paid in full XXXX of XXXX. I am not PAST DUE {$5.00}. 

XXXX shows that the XXXX XXXX XXXX  Account is PAID with the last payment date is XX/XX/XXXX. However, XXXX also shows that I missed a payment in XX/XX/XXXX. This is not accurate. I paid the account in full and XXXX sent me a refund check because I overpaid it. 

The account was paid in full and both of these credit agencies are reporting inaccurate date which is hurting my credit. 

I asked them to investigate and both came back as validated and updated. This is incorrect.
Consumer complaint received 2024-10-03
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)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from Experian. This account does not belong to me, and I am demanding its immediate removal from my credit report. I have repeatedly disputed this account with no response or validation from the credit bureaus, and I request your intervention to rectify this situation promptly. 

Disputed Account Information : Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Credit Bureaus Involved : Experian Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$XXXX} Comments : First payment never received. Unpaid balance reported as a loss by the credit grantor. 
I assert that this account is not mine, and it has been reported in error. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand immediate validation of this account, or its deletion if validation can not be provided.

The following laws support my dispute : FCRA Section 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : This section gives me the right to request any and all documentation related to the account to verify its accuracy.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of a debt when requested. If they fail to do so, they are required to cease collection activity and remove the account.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must report accurate information. If they report inaccurate or unverifiable information, they must correct or delete it.

This letter serves as my formal request for the original creditor 's signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have not received any communication regarding my previous disputes, which is a violation of my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and remove the account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will ensure the resolution of this issue in accordance with federal regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I have been on SAVE since XX/XX/XXXX. As of two days ago, XX/XX/XXXX, my SAVE plan was switched to Extended Graduated without my consent or request nearly one year after I've already been on SAVE. I have never applied to be switched to this plan. When I called EdFinancial, they said this would be resolved by today, XX/XX/XXXX, and someone would reach out. No one has reached out. My outreach attempts have been ignored on email.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I called to make a payment on my XXXX XXXX account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXX XXXX account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra XXXX to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees. 

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due. 

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.
Consumer complaint received 2024-10-03
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. (IL)

XXXX XXXX, 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 XXXX 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 Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2023-07-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (CA)

XXXX XXXX XXXX XXXX XXXX Utah, company without a form XXXX XXXX or my knowledge or consent, sold nonpublic personal information of mines to a collection agency out of XXXX Texas named Lockhart, Morris, and Montgomery. 
Violating Title 15 U S C 6802 Cornell Law.

A financial institution shall not directly or through an affiliate disclose to a non affiliate third party ANY nonpublic personal information. Without my knowledge, consent or other make it known to consumer Clear and Conspicuously. It must be at the time the dealings or relation begins. 
Lockhart Morris and Montgomery does not hold a original promissory note or contact. I ask them to provide my signature saying I agreed to pay them and they could not produce it. There was never a contract between myself and the collection agency/ third party. 
I would like XXXX XXXX and Lockhart, Morris, and Montgomery deleted for all eternity from my credit files. XXXX, XXXX, and XXXX. 
This is the second or third time I have made this complaint to CFPB. They are clearly in violation of USC TITLE 15 Trade and Commerce. Cornell Law, and the truth and lending act. Also someone forged my signature on that contract. I can prove it to. Recently XXXX XXXX agreed to a class action settlement and I received two checks for a small amount in the mail. I have not chased them. Those checks are a admission to guilt like it or not therefore the account on my credit files should not be on the files any longer. At this point I am seeking not only the account be removed but I am also seeking damages and a written apology. My telephone number is XXXX. If it can finally be solved they are free to call me. If taken lightly as everything else I will see them by way of attorneys who will not settle easily. I am also willing to take my allegations to the media and let more people get to speak there truth. I am so frustrated with how this has accurred, it's affected me, my family, and my character in the eyes of other people and I am ready to deal with it. By the way CFPB when I filed with you before they never, wrote, called, or anything just business as usual
Consumer complaint received 2023-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

XX/XX/2023 I noticed that Equifax is reporting a inaccurate credit utilization from my XXXX XXXX and XXXX credit cards. Reinvestigate the credit utilization on both credit cards. Both credit reports are dated at the bottom the screen shots as proof of the day screen shot was taken.
Consumer complaint received 2024-10-03
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. (FL)

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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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 informationisinaccurate.
Consumer complaint received 2024-10-03
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-03
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. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-10-03
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. (WI)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-10-03
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)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 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 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 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-03
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-03
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. (CO)

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 2024-10-03
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. (TX)

I have requested the credit bureaus to remove fraudulent information from my credit report. To date, although I have seen some changes, they have still not removed XXXX of these accounts ( a fraudulent credit card account from XXXX XXXX ). I am not sure if this is an issue with the creditor or the credit bureau, but I am submitting this request so that proper action can be taken.
Consumer complaint received 2024-10-03
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 disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Here is the account I am asking you to verify as accurate : account name : California XXXX XXXX account XXXX
Consumer complaint received 2016-12-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

We XXXX sisters, work very hard and took a loan from Wells Fargo to buy XXXX rental properties in 2004. The rate of interest Wells Fargo charging is 6.875 %. We have asked so many times to refinance at a reduced rate of interest, but Wells Fargo refused each time. 
Please see attached statements and help us refinance at a lower rate. 
Thanking you in anticipation.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with capital 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report