davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: JPMORGAN CHASE & CO. (MN)

I have a judgement against me by XXXX XXXX XXXX XXXX XXXX. They are located in XXXX XXXX, MN. The judgement is from XXXX against debt I owed to Chase Manhattan Bank. 
My story : I was married to a very XXXX man. XXXX. My ex-husband had me apply for several credit cards that he used at his discretion. I complied out of fear. The Chase Manhattan Bank was XXXX of them. My ex-husband is also a XXXX. It was n't long before he could no longer pay on this account. He left me stranded with the debt. The debt belongs to him. 
When I received the notice that XXXX was taking me to court, I should have gone and told my story. I was frozen in fear. I was still married at the time and my husband, who was gainfully employed, did nothing to help me or support me with the judgement. 
The judgement was approved for {$7500.00} I made contact with XXXX XXXX at XXXX and explained that I was in an abusive marriage and trying to get out and that I would have the responsibility of XXXX young children. I payment plan of $ XXXX was agreed upon by both parties. No interest was discussed or agreed to at this time. 
In XXXX of XXXX, I requested a payment history for my divorce proceedings. I received written notice of my monthly payments and a letter stating that I paid {$1000.00} on the principal amount of {$7500.00} and the remaining amount was {$6400.00}. 
I continued to make my $ XXXX payments. On XXXX XXXX of XXXX, I received notice that I had missed my XXXX payment which was payable by the XXXX. The letter indicated that my new balance was {$7900.00} ; I called XXXX XXXX on XXXX/XXXX/XXXX to notify him that I was no longer employed due to XXXX. I explained to him that I was struggling financially and that I was the sole support of my XXXX young children who were receiving XXXX and XXXX. I told him to look at my history to see that I have never missed a payment in XXXX years but was really going downhill financially and needed a respite until I could get back on my feet. XXXX sent me an exemption notice. I completed their paperwork and returned it immediately by mail. 
On XXXX/XXXX/XXXX I checked my bank account and noticed that my entire bank account had been garnished. I called XXXX to find out why since I completed the necessary exemption paperwork and provided the proof required. He explained to me that they had thousands of accounts and there was no way they could keep up with everyone 's personal problems and who had what in their account. 
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (TX)

XXXX credit card, auto loan # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello and good day! There is erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-09-16
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)

In Accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX and XXXX ( original creditor : XXXX XXXX XXXX ) Account number : XXXX Account Name : XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX : Account number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX, 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 an 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 or 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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dispute of Fraudulent Credit Information Due to Identity Theft **To Whom It May Concern : ** I am writing to formally dispute fraudulent information on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, which pertains to identity theft. 

I recently reviewed my credit report and identified the following account ( s ) that I did not open and believe to be a result of identity theft : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$480.00} XXXX XXXX  XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts are not mine, and I am not responsible for it. I am a victim of identity theft, and I request that this fraudulent information be blocked and removed from my credit report immediately as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : XXXX. A copy of my government-issued ID. 
XXXX. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ). 
XXXX. Sentencing papers as proof of my incarceration Please conduct a thorough investigation into this matter and remove the inaccurate information from my credit report. In accordance with the FCRA, I expect to receive a response within 15 days from the date of this letter. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of the fraudulent information from my credit file. 


Attachments - Copy of Government-issued ID - Identity Theft Report
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by Equifax that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XXXX of XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-08-24
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. (VA)

Letter : to CFPB and EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, XXXX, TX XXXX Improper Use of My Credit Report Dear Sir/Madam, I am writing to formally report an issue regarding what I believe to be the improper use of my credit report by Experian. My details are as follows : Description of the Issue On XX/XX/year>, I discovered that my credit report was accessed by Experian without my consent or for an improper purpose. According to the Fair Credit Reporting Act ( FCRA ), a consumer report may only be obtained for specific permissible purposes, and I do not believe this request falls under those categories. 

Supporting Documentation : I have Screen shots of both XXXX, Experian pertaining to my personal information on my credit report. XXXX has the correct information listed. I MARKED IT WITH A GREEN CHECK MARK. EXPERIAN has the wrong information listed on my credit report, I PUT A XXXX XXXX XXXX XXXXXXXX BECAUSE THAT INFORMATION IS NOT CORRECT. 

Request for Investigation I request that both the CFPB investigate this matter promptly. I believe that my rights under the FCRA have been violated, and I would like to know what steps are being taken to address this issue. 


Please keep me informed about the progress of your investigation. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you. 

Sincerely,
Consumer complaint received 2024-10-16
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. (TX)

I am asking for your help with the wrong account showing on my credit report. This has affected my reputation, and I need your assistance to get it corrected. Your poor handling of my credit report has severely impacted me, and this incorrect reporting has destroyed my reputation. You need to remove this misinformation from my credit report.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION (AZ)

My account was set for closure without a letter being mailed or a phone call to me at the updated number I provided to them. No email, nothing. 
Apparently, a wire for a vehicle I sold, was being recalled 2 months later. I received the wire from the buyers and have nothing to do with that company. They bought my vehicle and money for it was sent to my account. 
Now, I have no access to my funds, no access to online banking and no correspondence from the bank.
Consumer complaint received 2024-10-16
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: Experian Information Solutions 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 XXXX debt bondage, which falls under XXXX according to XXXXDebt 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 2024-10-16
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)

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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-16
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. (NJ)

I have noticed there are multiple accounts on my report i do not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Consumer complaint received 2024-09-30
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. (WA)

I am refiling my complaint with the Consumer Financial Protection Bureau ( CFPB ) using the correct ID, as I mistakenly uploaded the wrong ID during previously filing. 

To Whom It May Concern, This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues : This account is being reported as a loss yet there still holds a balance, and the company is continuing to attempt to collect on this alleged debt while two companies can not own the same debt. This account is in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY in compliance with 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Account violated 15 USC 1692 ( g ) by failing to comply. Report any evidence related to this disputed account and DELETE THIS ACCOUNT IMMEDIATELY as per 15 USC 1692 ( g ). 
XXXX XXXX Account Number : XXXX Please comply with 15 USC 1692 ( g ) and provide any evidence or written consent bearing my signature authorizing the account. If none exists, delete this account from my report immediately. 

FDCPA Section 807 Violation Misleading False Reporting. 
XXXX Account Number : XXXX Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and update the item in my credit file, showing payment history as paid on time. 

Non-Compliance with Validation Requests : You have failed to validate or provide evidence of my authorization for the disputed accounts as per 15 U.S.C. 1692g ( Section 809 ( b ) ). 

Failure to Cease Communication : Continued communication after my cease-and-desist request violates 15 U.S.C. 1692c ( Section 805 ( c ) ). 

Unlawful Reporting Practices : The reporting of unverifiable and unauthorized accounts constitutes a breach of 15 U.S.C. 1681i ( FCRA Section 611 ).