davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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. (TX)

XXXX XXXX XXXX, {$7700.00} XXXX XXXX {$160.00} Late Payment XXXXXXXX XXXX {$57.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 2024-09-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : ** Formal Complaint Regarding Inaccurate Reporting by Experian XXXX XXXX Charge-Off To Whom It May Concern, I am filing this formal complaint concerning the inaccurate reporting of a XXXX XXXX charge-off account on my credit report with Experian. This account has already been deleted from my XXXX credit report after a successful investigation, yet it remains on my Experian file. 

Here are the details of the account : - **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX Number : ** XXXX - **Status on XXXX : ** Deleted as of XX/XX/year> ( see attached documentation ) I respectfully request that this same account be deleted from my Experian credit report as well. Since XXXX has already confirmed that the account is inaccurate, I am asking for Experian to follow suit and remove this account promptly to ensure the accuracy of my credit file. 

Please confirm receipt of this complaint and notify me of the actions taken within the legally required time frame. I trust that the Consumer Financial Protection Bureau will ensure this matter is resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

We have made multiple attempts to verify that XXXX XXXX is a signer on this account and responsible for this debt. The creditor continues to report this debt as a delinquency without providing proof, which has been requested multiple times, and is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Please see the attached correspondence from our attorney requesting this information in XXXX, which to date has still not been provided. 

We request this delinquency be removed immediately. This is our final attempt before pursing legal action on this matter. 


CREDITOR/DEBT COLLECTOR DECLARATION Please provide all the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this debt validation request. 
Name and Address of Alleged Creditor : 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 XXXX  Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
Also, please attach a copy of any signed agreement debtor has made with the debt collector or other verifiable proof debtor has a contractual obligation to pay the debt collector. 
Please attach a copy of any agreement that bears the debtors signature, wherein they agreed to pay the creditor. 
Please attach copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? 
YES or NO ( circle one ) Please provide the name and address of the bonding agent for { Name Of Debt Collector }, in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for debt validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back.
Consumer complaint received 2019-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (PA)

I purchased a car through Ally financial which was my lender. My car XXXX   XXXX vin # XXXX became a total loss and my insurance company XXXX paid XXXXand my gap insurance paid XXXX. This issue has been on my credit fir two years and now its listed as a charge off. The company that is now responsible for the debt .XXXX XXXX account # XXXX
Consumer complaint received 2024-09-25
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. (CA)

I see items on my credit report that I dont recognize, suggesting my identity may have been stolen since I didnt authorize these accounts. Ive addressed this before, and Im urgently requesting their removal from my report, as theyre causing me significant stress. These accounts dont reflect my true credit history or financial behavior, making this situation difficult to manage. If we cant resolve this, Im prepared to pursue legal action to protect my rights. These inaccuracies are severely hindering my ability to achieve important financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The accounts I am disputing present significant issues and require a thorough reinvestigation. By law, it is your responsibility to reexamine disputes submitted by consumers. The furnisher has failed to provide proof of the accuracy of the reported account. Given the lack of investigation by the collector, this account should be removed from my credit report.
Consumer complaint received 2024-09-25
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. (LA)

I have recently discovered that incorrect information remains on my credit report, despite prior disputes. The information in question has been verified as accurate by XXXX, Experian, and XXXX, but I have attached evidence that clearly proves it is not. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 609, which ensures the right to correct inaccurate information. 

The attached documentation demonstrates that the information reported is invalid and does not reflect my true credit history. I am formally requesting that this incorrect information be removed from my credit report immediately. Failure to correct these errors is negatively impacting my financial standing and violates federal law.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely shocked this morning when I saw inaccurate accounts on my credit report, and I have no idea why they are there. I regularly check my report, but this time there were sudden discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. Im now requesting that the documents I've submitted be thoroughly reviewed so I can finally stop worrying about this issue.
Consumer complaint received 2024-10-13
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. (MI)

XXXX XXXX is being reported as closed on one report but not the other. I only have XXXX XXXX XXXX XXXX. There was fraud on my account so they sent me a new card and closed the other card under the same account. The funds were also refunded and the account was not late. This reflects on the new billing cycle. This is inaccurate. My credit also still shows that XXXX was not removed from Equifax and XXXX. As well as the XXXX XXXX account that should be deleted. This was never my account. I never had a credit card from XXXX XXXX. This is also inaccurate and must be removed. The reports that I have attached shows this. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. Attachments
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to have the following accounts and addresses removed from my report. The items I need removed are listed in the report below. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my Financial Responsibilities. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

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 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (NY)

Credit karma has been pre approving me for credit cards and every time I apply thinking Ill be approved I get denied and now I got like 8 hard inquiries in like the last 3 months. And I cant get a hold of any credit bureau to help me unfreeze my credit account and I never froze it myself. Please help me get in touch with them so we can fix this problem.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

XX/XX/2019 i have 3 negative marks from collectors on my credit all from the same incident. I was lied to by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative i talked to on the phone I talked to them multiple times to have them listen to the recorded call and on 2 different occasions i was told they would clear the balance.. Those also should be recorded conversations. So i want all 3 of them disputed and cleared from my credit. It should be illegal for them to lie about what you will be paying and make you pay them or they destroy your credit. I was told i would pay {$80.00} a month for the package.. my bill was for XXXX that is insane. 

Receivable Performance- opened XX/XX/2019 - XXXX XXXX {$460.00} XXXX  XXXX XXXX opened XX/XX/2019- XXXX XXXX - {$120.00} XXXX XXXX- opened XX/XX/2019- XXXX XXXX XXXX - {$52.00} Please dispute these
Consumer complaint received 2024-09-25
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. (CA)

I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EXPERIAN credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized inquiries : XXXX XXXX XXXX XXXX on XX/XX/year> and XX/XX/year> I have already contacted EXPERIAN regarding this matter but have not received a satisfactory resolution. I am requesting that the CFPB ensure EXPERIAN complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-10-13
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. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 a credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number, a credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent 3 letters to verify this amount and debt. I have received no such responses. I have contacted both the creditor directly as well as TransUnion regarding the dispute. 

This balance is showing delinquent when its not. The creditor was in violation of XXXX housing laws and failed to provide safe and sanitary housing.
Consumer complaint received 2024-10-13
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. (NM)

On XX/XX/XXXX Equifax received a letter from me demanding inaccurate information be removed. I did not give permission, written, unwritten, verbal or non-verbal, to Equifax to share the information provided in my letter. To prove my identity I sent a copy of my passport card issued by the department of State, and a Letter from the department of state sent to my address. I do not have a paystub with my complete U.S. social security number, or a W-2 from with complete U.S. Social security number. I also DO NOT have a Driver 's license, rental/lease agreement or house deed, paystub with address, or any utility bills. 
Equifax responded with a letter demanding my full social security number which is a violation of the privacy act of 1974. I have also tried to change my name with Equifax which have gone ignored.
Consumer complaint received 2024-09-25
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. (MD)

I hope this message finds you well. I am writing to formally request the removal of negative accounts and hard inquiries from my credit report due to identity theft. 

I recently discovered that unauthorized accounts were opened in my name without my consent. This has severely impacted my credit score and financial standing. I have attached relevant documentation, including a police report and any supporting evidence, to verify my claims. 

As a victim of identity theft, I kindly ask that you investigate this matter and remove any negative entries and hard inquiries that are not linked to my actual credit history. I believe this action is necessary to rectify my credit report and alleviate the consequences of this unfortunate situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2019-10-03
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: DISCOVER BANK (NJ)

Discover Cards Account # XXXX My account CLOSED due to non payment months ago. At the time, I could NOT pay due to extenuating circumstances ( medical issues ). I've since decided to pay and settle account for LESS than original balance ... 

I have ceased making any payments on that arrangement. 

I would like to NOW go ahead ( within next 30 business days, to pay entire balance IN FULL, approx 1,600 )
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Im confident that I pay on time, so I dont understand why this company is reporting late payments. Under USC 1666b, errors in billing should be corrected, and my account should show as paid as agreed.
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (FL)

I was alarmed to find unauthorized inquiries on my credit report this morning and I have no idea why they are there. I check my credit report regularly, and this time I saw discrepancies that appeared out of nowhere. I even refreshed the page to check if it was a browser issue, but the inquiries remained. This is extremely frustrating, and I urgently need the documents Ive provided to be reviewed carefully to resolve this and prevent it from happening again.
Consumer complaint received 2024-09-25
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. (MS)

PLEASE DELETE AND UPDATE THOSE FOLLOWING ACCOUNTS I FILE FTC REGARDING THIS ACCOUTS BECAUSE IT IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$4100.00}