davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Collection : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 -Account Name : XXXX XXXX : XXXX, -Account Name : XXXX XXXX XXXX XXXX  -Account Name : XXXXXXXX XXXX XXXX  -Account Name : XXXX XXXX XXXX XXXX  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 : Also states a consumer reporting agency can not furnish my account without my written permission. 15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains 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. 5 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. 


ALL OF THESE ACCOUNTS ARE LISTED AS APARTMENT AGENCIES. I XXXX XXXX, HAS NEVER BEEN ASSOCIATED WITH ANY OF THESE ENTITIES. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY DO NOT BELONG TO ME.
Consumer complaint received 2024-09-03
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. (GA)

Upon Reviewing XXXX XXXX I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. I appreciate your prompt attention to this crucial matter.
Consumer complaint received 2024-09-03
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)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXXE Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KS)

Im currently a new Wells Fargo customer upon me signing up deposited XXXX a day later which I believe was XX/XX/11 I still didnt even have my card it was in the mail if someone was able to withdraw all of my cash and I found this absurd due to the fact that I still didnt have my card or didnt at the moment did the transaction to please? I reported it they looked into it and I still havent received anything back. I just got my new card yesterday and activated it but now upon me trying to log into the XXXX they dont allow me to look at my account, so what do I do about my {$300.00} thats missing
Consumer complaint received 2023-09-20
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

Midland Credit Management are trying to collect a debt of {$6100.00} that I didn't do or have acknowledgment of until it showed up on my credit report about almost a year ago and I have been trying to get it off ever since. I think I am a victim of identity theft
Consumer complaint received 2023-09-20
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. (GA)

I completed a Chapter XXXX bankruptcy and it was dismissed. My mortgage company XXXX XXXX gave me a new loan of which XXXX have been making my monthly payments on time, in the amount of {$2400.00} for XXXX  months. These payments are not being reported on my Credit report and they are refusing to do so.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (AR)

I applied for a payment plan with Mohela. They automatically enrolled me in the SAVE plan, to pay {$0.00} a month. Though I appreciate this opportunity. This is not what I asked for. In order to purchase a home, I can not have a {$0.00} student loan payment. I then applied for an IBR plan, to pay about {$170.00} a month. I was told that it would take about 2 weeks for approval. After 2 weeks, I called again and was told that it was processing, but could be denied because the SAVE plan was more beneficial for me. I explained the situation, she notated the account, and said that I should not have a problem. " By the end of this week, it will be approved. '' The Monday of the next week, I called and was told that, due to multiple accounts going into repayment, it will take longer than normal. By this time, I am crying on the phone. The seller of the home I wanted is getting impatient and my original closing date has passed. I was forwarded to a supervisor. The nice lady was sympathetic and asked me, " Did anyone give you the option of your application being expedited? '' I expressed that I asked, but was not given this option. She informed me that she would send an email, to expedite this request and noted the reason. She informed me that it will now take 2-3 days. I asked was this certain, as I needed to report to my realtor and seller. She was confident. Well, 3 days went by and my application was still processing. I then called and asked for a timeline/follow up and this representative was extremely rude. He stated, " You application can not be processed. We are not going to randomly chose your application out of thousands to expedite. I am furious to say the least! The seller has officially terminated my contract, due to failing to provide documentation from Mohela, according to the timelines Mohela has given me. I have lost money on appraisals, inspections, etc. I can not believe I lost this home, due to a piece of paper. I am hurt. I am clueless as to what I can do to simply get a payment plan. I have never experienced anything like this.
Consumer complaint received 2023-09-20
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)

I am processing disputes to clear all negative an invalid information off my credit report. this is my XXXX attempt to delete an remove all inaccurate information. checking my file ive noticed none of the items are valid on all XXXX credit reports. please review an remove the listed items so that my credit can be cleared with all of the correct information remaining.
Consumer complaint received 2024-09-18
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. (TX)

I am extremely stressed out because I did not permit any of these inquiries showing up on my report - and it's causing me so much inconvenience because my credit scores are affected and I can not get as much financial opportunity as I used to.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XX/XX/2023. I requested to Experian to update and report accurate information many time. but they haven't update my credit profile. even though I submitted a letter from the creditor stating that the account is closed and never been late.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-03
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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.

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 XXXX 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 2023-09-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC. (OH)

I purchased my leased vehicle. The pay off was a little over {$30000.00}. I mailed in a check for {$25000.00} from XXXX XXXX XXXX XXXX and a cashiers check from XXXX XXXX  for {$5000.00}. Chrysler Capital claims depending on who I talked to that day either they lost the XXXX check or that I never sent it. After XXXX or so calls, I was told if I dont send them {$5000.00}, they will keep the {$25000.00} check and repossess the truck. I had to borrow money and go without food to send them another {$5000.00} as you have to wait XXXX  days to do a stop payment on my initial cashiers check from XXXX XXXX. XXXX  days was up this Monday the XXXX XXXX XXXX. Turns out Chrysler Capital did in fact cash that check when I sent it and misapplied the funds. They had the money the entire time while accusing me of never sending and saying they will repo the truck. Now, they wont give me the {$5000.00} back until they can find the money and get it back from the wrong account. I dont see how their XXXX XXXX  is my fault making me wait longer. This seems like theft and bad faith. All while falsely accusing me of not sending them the money.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/year> XXXX XXXXXXXX XXXX - XXXX - XX/XX/year> XXXX XXXX  - XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-18
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 pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commision ( FTC ) Identity Theft Report as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations your agency perpetrated under the FCRA, while notifying your agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records.
Consumer complaint received 2024-09-18
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. (AZ)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

In late XXXX I sent in my form online for mandatory forbearance as I am currently a XXXX XXXX. I was told id hear back in XXXX business days. I never heard back. I then called on XXXX separate occasions and the wait time on the phone was over XXXX hours. I left my number for a call back but I never got a call. I then sent an email explaining the situation and was told Id hear back in XXXX business days. I still have no heard back. My loan provider is Edfinancial. My loan payments are due on XX/XX/XXXX and there is NO WAY I can afford to pay them now which is why I need this figured out. Please help me because I literally cant afford this right now.