davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (SC)

XXXXCARE CREDIT never verified the status of the account post Hurricane Matthew. In XXXX 2016, a  payment was made after a negative call. Following this the account was to be on a hold. The account was marked as 120+ days passed due and is now reflecting as a charge-off. The company was negligent in following up with the letter and updates regarding the account.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines i.e. last verified, date of last activity, date reported, date opened, dispute status, account status. EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT!! The account is in charge off status but it is still reporting I have a balanced owed that is not possible if the account has been charged off on the companies profit/loss statement. This is also another FCRA violation and also tax fraud in the eyes of the IRS.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
PLEASE DELETE THE FOLLOWING ACCOUNT THEY ARE IN ERROR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
Thank you
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (AL)

I was a victim of identity theft on multiple occasions bank accounts emails phone numbers and id were all compromised also involved in XXXX data breach this company is aware the account is fraud but continue to report to XXXX  credit report the representative i spoke with the supervisor was very rude and told me they didn't care what i said they weren't going to do anything and demanded payment now phonemail took place on XX/XX/XXXX
Consumer complaint received 2024-07-24
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. (TX)

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 2024-07-24
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2017-09-21
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. (LA)

XXXX Bank XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.
Consumer complaint received 2024-07-24
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. (AL)

I have recently reviewed my consumer reports and observed an account for which is not reporting accurately. There are XXXX late payments on this account that were paid on time. As you know, consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on the payments for the account in question : Account name : XXXX XXXX XXXX, Account # : XXXX and, I am including screenshots with this complaint, specifically for the dates XX/XX/2023 and XX/XX/2023. I request a thorough investigation into this matter and require proof in the form of statements that validate these alleged late payments. If no proof can be provided, I demand that these payments be corrected to reflect " paid as agreed '' and/or " paid on time '' as they should be. Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-07-24
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. (IL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. XXXX. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. XXXX. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. XXXX. The account rating is reported as " Derogatory '' by all three bureaus. XXXX. The account description is reported as " XXXX '' by all three bureaus. XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. XXXX. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. XXXX. The payment amount is reported as {$0.00} by all three bureaus. XXXX. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. XXXX. The past due amount is {$540.00} across all three bureaus. XXXX. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

XXXX XXXX, I sent for my free annual credit reports. I received XXXX and XXXX, but nothing from Equifax. 

XXXX XXXX, XXXX I was denied for a loan based on information in an Equifax report. I finally spoke to someone on XXXX/XXXX/XXXX, explained what happened and again requested a copy of my Equifax Credit Report to correct any wrong information they have. I was given confirmation number : XXXX Still, I have not received anything.
Consumer complaint received 2024-07-24
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. (IL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. XXXX. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. XXXX. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. XXXX. The account rating is reported as " Derogatory '' by all three bureaus. XXXX. The account description is reported as " XXXX '' by all three bureaus. XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. XXXX. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. XXXX. The payment amount is reported as {$0.00} by all three bureaus. XXXX. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. XXXX. The past due amount is {$540.00} across all three bureaus. XXXX. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX
Consumer complaint received 2024-07-24
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. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I was charged {$10.00} by XXXX, and {$10.00} by XXXX to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for Equifax 's massive mistakes. XXXX and XXXX did not/will not waive their credit freeze fees as Equifax did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with Equifax is useless. I feel that either XXXX and XXXX should ALSO waive/refund their fees in response to this disaster, or Equifax should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from Experian, XXXX, and XXXX. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( XXXX, XXXX, and Experian ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau reporting oversight department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.
Consumer complaint received 2024-08-13
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)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 


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 XXXX 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 2024-07-24
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.