davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-09-21
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. (NY)

I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.
Consumer complaint received 2024-10-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (CA)

On XX/XX/year>, I received a letter from USCB America stating if I write to them to dispute the listed debt for {$160.00} by XX/XX/year>, " we must stop collection on any amount you dispute until we send you information that shows you the debt. '' On XX/XX/year>, I received a letter from USCB America stating if I write to them to dispute the listed debt for {$970.00} by XX/XX/year>, " we must stop collection on any amount you dispute until we send you information that shows you the debt. '' On XX/XX/year>, I wrote to USCB America to dispute the debts for {$160.00} and {$970.00} and to request additional information. 

On XX/XX/year>, I received a letter from USCB America stating if I write to them to dispute the listed debt for {$25.00} by XX/XX/year>, " we must stop collection on any amount you dispute until we send you information that shows you the debt. '' On XX/XX/year>, I wrote to USCB America to dispute the debt for {$25.00} and to request additional information. 

USCB has not sent me any information that shows me any of those three debts. 

On XX/XX/year> and XX/XX/year>, USCB America robo-called me and left me messages asking me to return their call.
Consumer complaint received 2024-09-21
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)

This account was opened without my consent. I have no relationship or contract formally binding me to XXXX. I sent Experian this letter because this was proved and removed from my XXXX account as well as XXXX. Therefore Experian is reporting this inaccurately. Below is the letter I sent in. 

Subject : Dispute of Inaccurate Reporting - XXXX XXXX XXXX XXXX Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information reported on my Experian credit report regarding an account listed as a charge-off. The account in question is identified as Account # XXXX and is reported as having a balance, which I believe is incorrect. 
This account was previously disputed and successfully removed from both XXXX and XXXX reports. However, it remains on my Experian credit report with a charge-off status and an outstanding balance. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, the reporting of inaccurate information is a violation of federal law.

I kindly request that you investigate this matter and delete this account from reporting on my credit. Please correct this error as soon as possible and provide me with written confirmation once the update has been made. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. Please contact me at XXXX or XXXX if you require any additional information. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-21
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. (FL)

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to address them. 

ACCOUNTS - 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 I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Consumer complaint received 2024-09-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-21
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)

XXXX XXXX XXXX XX/XX/XXXX ADDITION FINANCIAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX CARDS/CITIBANK XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX XXXX SUPPORT ENFORCEMENT XX/XX/XXXX CHILD SUPPORT ENFORCEMENT XX/XX/XXXX
Consumer complaint received 2024-09-09
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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 2024-09-30
Product: Credit 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: NAVY FEDERAL CREDIT UNION (MD)

- 15 USC 1681e ( b ) Compliance procedures Maximum Possible Accuracy Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ). 
Amount is {$500.00} and i have spoken with the creditor for last 3 months without any assistance or action
Consumer complaint received 2024-09-29
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX - Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

In my agreement of the XXXX XXXX  with the higher balance. It was agreed by multi people, multi org levels right up to the XXXX XXXXXXXX . When paid as agreed. Any reporting would either be updated to no data or blank. Or any negative remarks would be updated. Between mid XXXX XX/XX/XXXX. The phone calls have multiple recordings of this. Within email/ messages it is also committed too. I was told bluntly to my face when the XXXX XXXX was settled officially I called and ensured on my update its the last piece of my ruined life and finances for no reason at all, thanks for that. And was told within 30 days the settlement and reporting would be finished. Months and months dispute after dispute still waitin so I can get my life on track. XXXX havent you done enough damage. You always got paid in full so no hard ever done to you. XXXX, house, any options gone still because of the 3 incorrect but regardless agreed to be taken care of payments. Plz update
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-21
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. (GA)

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 2024-08-21
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. (LA)

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 : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due lo XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

XXXX XXXX account # XXXX, XXXX XXXX account # 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
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America did not pay my real property taxes due on XXXX XXXX after the county in which my property is located split my property from XXXX parcel into XXXX claiming the parcel numbers had changed. This should NOT have been an issue as I had called BOA on XXXX/XXXX/16 to provide them this updated information and they instructed me to send the information via fax to their Mortgage Loan Servicing Department which I did. As a result of the initial non-payment I incurred penalties and interest on the late payment totalling {$100.00}. Bank of America assured me since it ws not my fault that the payment did not get made that I would NOT be responsible for the late fees and interest penalties. After XXXX phone calls to Bank of America they finally made my property tax payment on XXXX/XXXX/16. However they charged me the {$100.00} for these late fees and penalties. I have subsequently called Bank of America on at least 7 occasions from XXXX/XXXX/16 to get the {$100.00} refunded. Each time I have been assured my complaint has been " elevated '' and assured my escrow account would be credited within the next 5-7 business days. As of XXXX/XXXX/16 this has not yet happened. The representatives I speak to have repeatedly indicated they use a third party vendor and have put the request in to the vendor, yet the refund still has not occurred. This has been a frustrating experience as the time it takes to get through on the phone and the repeated holds they put me on while they check into the matter averages at least 20 minutes per time I have called. The current call I am on now has already kept me on the line for over 30 minutes while I try to escalate the problem to a Manager for a final attempt at immediate resolution. During my time on hold I have managed to complete this complaint filing
Consumer complaint received 2024-09-21
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. (MI)

After reviewing my credit report there were some inaccurate entries that caught my attention. I inquired and asked the credit bureau, for valid proof. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

On XXXX XXXX and XXXX XXXX I submitted letters to the credit bureau asking for this information, and was not given what I was asked for. This failure to do so, is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-08-21
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. (MS)

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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-21
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. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-21
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. (IN)

Dispute of Bankruptcy Reporting I am writing to formally dispute the reporting of a bankruptcy on my credit report, which I believe is inaccurate. The bankruptcy in question is listed under [ 24-21463-jra ]. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies in my credit report. It is my understanding that you are required to conduct a reasonable investigation into disputes and to provide me with documentation of the investigation steps taken. To date, I have not received any such documentation, which I believe is a violation of my rights under the FCRA. Furthermore, FCRA 1681i ( a ) ( 1 ) ( A ) states that when a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct an investigation and notify the consumer of the results within a reasonable period. As I have not received any notification of the steps taken in your investigation, I respectfully requested that you furnish me with this information. I kindly ask that you review this matter and remove the bankruptcy from my credit report if it is found to be not reported from the bankruptcy court. Please provide me with written confirmation of your findings and any actions taken regarding this dispute. Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-21
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 am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of XXXX XXXX. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.