davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.

INACCURATE : 1. XXXX, 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX  XXXX   EQUIFAX XXXX  PLEASE REMOVE THE ERRORED ADDRESSES THAT ARE ON MY FILE.
Consumer complaint received 2018-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (DC)

In XX/XX/2017 I pulled all 3 credit bureau consumer credit reports this is when I became aware of the derogatory XXXX XXXX account being reported on my Experian credit report. I submitted a dispute in writing to Experian and XXXX XXXX. Experian responded via mail that the account had been verified and was accurate, XXXX XXXX never responded and to date has not. This is now over a year later and I continue to dispute this derogatory reporting with Experian and have made multiple attempts via written notice of my dispute. Experian sent a written notification to me " REFUSING '' to reinvestigate my claim. Experian is violating The Fair Credit Reporting Act ( FCRA ) by refusing to reinvestigate my dispute of the validity of this account. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete, and represents a reporting error. My next step is to file a small claims action against Experian.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

This complaint concerns a credit card provision that requires the holder to pay a minimum payment regardless of credits that are issued which satisfy the account prior to the due date. 

I had XXXX charges on my credit card account for XXXX purchases, XXXX for {$40.00} and XXXX for {$17.00} for a total of {$57.00}. XXXX was due by XX/XX/23. I returned a purchase and received a credit of {$21.00} on XX/XX/23 and paid the balance of {$36.00} on XX/XX/23, both prior to the due date of XX/XX/23. The credit and the payment totaled the balance due of {$57.00}. The credit card statement said the minimum payment against the {$57.00} due was {$41.00}. 

The credit card company notified me on the next monthly statement that I was delinquent by the sum of {$4.00} because I failed to make the minimum payment of {$41.00} required by the prior months statement, despite the fact that the credit I received and the payment I made totaled {$57.00}, the full amount of the balance due on the statement. The credit card company said the credit I received for the return could not be applied toward the minimum payment required and the payment I made of {$36.00} fell short of the required minimum payment of {$41.00} by {$4.00}. Therefore I was delinquent in the amount of {$4.00} and subject to a {$30.00} late fee, which they XXXX have credited. 

I should not be required to pay more than I owe. The credit I received and the remaining balance that I paid satisfied the total balance owed in full. Despite having satisfied the balance in full, if I am still required to pay the minimum balance, I will be forced to loan the credit card company {$4.00} for which there is no consideration and for which there will be no consideration. Note that the credit card company acknowledged that it received payment from the merchant for my return credit prior to the due date of XX/XX/23. 

In short, the credit card company received cash payments in full for the entire balance due prior to the due date but was still requiring me to pay an additional overpayment of {$4.00} to satisfy its minimum payment requirement for which I received no consideration. 

The credit card company, Citibank Visa, has no doubt issued millions of credit cards and is getting the free use of millions of dollars of their customers ' money in situations like the one described above. I'm sure that other issuers of Visa and Mastercard are doing the same. This is not right and should not be allowed to continue.
Consumer complaint received 2023-11-21
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, Experian, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (FL)

Today, I received a letter regarding my federal student loan explaining the repayment schedule and estimated interest accrual. Since graduating from XXXX XXXX XXXX XXXX, I have made IBR ( Income-Based Repayment ) plans with student loan companies. The government has been changing my loan company for years. This is company # 4, I think. My Student loan started in XXXX for the amount of {$35000.00}. This company now estimates my interest as {$23000.00}, for a total of {$61000.00}. How is this possible? I'm a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My salary is XXXX dollars per hour. I can't work full-time because of my husband 's XXXX  conditions. I'm XXXX and my husband is XXXX XXXX XXXX, I studied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to become a XXXX here in XXXX The ED Financial Services told me to pay {$320.00} for XXXX months and {$15000.00} for XXXX  months How could I do that with my income and my husband 's SSI which is $ XXXX monthly?

Every year, I have filed my taxes reflecting our limited household income. 
Also, my bank statements show I do not have savings right now because of the inflation and our monthly expenses. I don't buy a new car because I can not make monthly payments, same in this case. I can not pay the amount of money this company requests from me. 

Please let me know what I can do to solve my situation. I am begging for help! 

Thanks for your time on this matter
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX  of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have previous on multiple occasions asked Experian to verify inaccurate items on my credit report. They have contacted me stating they have verified items that I asked to be verified. 
Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

Concerning XXXX XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current and list the terms of the loan. wonder how can a payment status be current if the account is in bankruptcy? 

Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

If Experian actually verify the information shouldn't the information be correct that is incorrect or if they cant verify the information delete it? 

All these accounts list a chapter XXXX bankruptcy, they include account status as current, High limits and all items that are not allowed to be reported from accounts in bankruptcy. 

My birthdate is listed as XXXX which is inaccurate and incomplete. They also list a address I have never resided at and it's a XXXX in XXXX of XXXX while I have been living at XXXX XXXX. XXXX XXXX since XXXX XXXX.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

I have attempted to locate the alleged debt and can not find any record of ever creating an account with XXXX XXXX XXXX or Resurgent Capital Services. A debt of {$180.00} was originally reported on XX/XX/2017, stemming from XXXX XXXX XXXX 

I contacted XXXX and they were unable to confirm an account or any balance. 

I've sent letters requesting any of these entities validate the debt, and if they are unable to, then to remove the account from my credit file. I have not gotten any response in over 1 year.
Consumer complaint received 2018-04-15
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. (GA)

ALL 3 CRA 's have not updated my balances for my XXXX account in months my balance is {$0.00} 's yet TRANSUNION XXXX AND XXXX  are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX  KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation listed, they either pay me or delete this account ASAP.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, Equifax received a dispute from me for account XXXX XXXX XXXX, installment account, auto loan. I sent Equifax THIS dispute because i have NEVER been late on my auto loan payment. i have only had my car for one year it is no way possible i was late for 10 months straight!!! i informed Equifax that this was a mistake and informed the creditor. The creditor told me i would have to dispute it with the credit bureau equifax to get it changed. i disputed it, and Equifax VERIIFED THE DEBT, i THEN ASKED FOR A METHOD OF VERIFICATION, FOR THE LATE PAYMENTS. According to FCRA equifax has 15 days to get me the requested information. i am well within my rights to request removal of late payments because this company failed to send me proper notifications and i do not recall missing a single payment. 
EQUIFAX IS IN VIOLATION OF FCRA : 15 U.S. Code 1666b - Timing of payments ( 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. 

I REQUESTED EQUIFAX send me the notices and names of people and copies of correspondence from XXXX that they used to verify these late payments. 

EQUIFAX has failed to respond to my dispute, and had committed multiple federal law violations including my privacy of credit file and EQUIFAX did not provide protection and accuracy of credit file