davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DE)

Heres a formal complaint you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding the issue youre facing with the " I C System '' collection item : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unverified Collection Item on Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding an inaccurate collection item listed on my credit report. The account in question is from I C System with an open balance of {$2000.00}, opened on XX/XX/year>, as reflected on my report. The item has been placed for collection, and I have disputed it multiple times, but the creditor has failed to provide sufficient verification for the accuracy of this debt.

Despite my formal dispute and request for proper verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, the item remains on my credit report, which is damaging to my credit score. The account is marked as Account information disputed by consumer, yet no proper resolution or removal has been made.
Consumer complaint received 2024-08-20
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. (NC)

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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with Experian 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 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 XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I AM UNABLE TO GET MY REPORT FROM THE CREDIT REPORTING AGENCIES. PLEASE TO UPDATE MY ADDRESS AND ENSURE THAT MY NAME IS AS LISTED ON MY IDENTIFICATION CARD AND REMOVE ALL OTHER VERSIONS OF MY NAME AND ADDRESSES THAT DOES NOT BELONG TO ME MY ADDRESS IS : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

on XX/XX/XXXX i received form navy fed alerting me that some one had added or changed the contact info for XXXX XXXX IF I DID NOT MAKE THESE CHANGEDS TO CONTACT NAVY FED IMMEDIATELY WITCH I DID AT THAT TIME THEY FROZEN ACCOUNT.AFTER FURTHER RESEARCH WE WAS TOLD THAT FRAUD WAS COMING FROM MY WIFE SIDE OF THE ACCOUNT THAT MY SIDE OF THE ACCOUNT WAS CLEAR UN FROZE MY SIDE SOMR TIME IN THE MIDDLE OF THE NIGHT ON XX/XX/XXXX MY SIDE OF THE ACCOUNT WAS Hacked again navy fed allowed the same person useing the same name to change my XXXX contact and do a {$1500.00} XXXX transfer they have told me and my wife that they would put the money back but they not and will not tell why
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-08-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). I have been incarcerated since XX/XX/XXXX Enclosed, you will find the following documents to support my claim of identity theft : 1. A copy of my government-issued ID. 
2. A completed Identity Theft Report ( a copy of the FTC Identity Theft Affidavit ). 
3. 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 2024-09-06
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: EQUIFAX, INC. (AL)

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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-26
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

This is the second complaint made about a nearly exact error on MOHELA 's part. My employer writes a check and mails it to MOHELA every month on my behalf to help assist me in loan repayment. My payment for XXXX went missing again ( this happened back in XXXX of XXXX and I had failed a very similar complaint ). It was not until I filed this complaint in XXXX that they were able to " find '' the lost payment and apply it to my account. This has happened yet again with my XXXX payment. My employer wrote and mailed my check XX/XX/XXXX, they have bank proof that it cleared and was cashed by MOHELA on XX/XX/XXXX. However, I never received the payment. I called customer service and they said it's because my account number has changed. I was NEVER notified that my account number was changed and therefore, my check has my account number listed with my prior account number ( prior account number : XXXX, new account number : XXXX ). I explained this to MOHELA and asked why I was not notified and they could not explain. Therefore, my check has been " cashed '' by MOHELA and they are claiming it is lost and will try their best to find it. This is again unacceptable to lose a payment and not link it to the appropriate account when that has been on autopay for months. I would like this thoroughly investigated and I would like my payment to be applied as it is money I have earned as part of my employment, and the Department of Education continues to " lose '' payments or apply them to the incorrect account ( which happened last time ). They are the most unprofessional organization and need to re-evaluate how they process money as it is very disorganized and fraudulent.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (GA)

I am writing to seek assistance with an issue I am facing with Navy Federal Credit Union. I have a checking account with them that I use periodically and a credit card account that is currently closed but on which I am making regular payments. As of XX/XX/XXXX, a direct deposit of {$2100.00} was made into my checking account. However, the bank automatically transferred this amount to my closed credit card account. Despite being current on my credit card payments, the bank has refused to reverse the transfer. 

I contacted the bank to address this issue, but they informed me that, even though my credit card payments are up-to-date, they are not willing to reverse the transfer. I am seeking your assistance to resolve this matter. 

Thank you for your attention to this issue.
Consumer complaint received 2024-09-06
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Type : Line of Credit Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$8500.00} Highest Balance : {$5500.00} Late Payment Date : XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hey, why do you keep reporting false and inaccurate information on my credit report? This is stressing me out and it's a clear violation of my rights as a consumer. You keep on ignoring, denying and disregarding my requests in correcting these errors. This is affecting my life negatively and is detrimental on my mental health, also, my credit score took a hit because of the mistakes on your end.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, there is erroneous information that you keep reporting on my credit. This is really worrisome and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it. It's been a long time but you keep on ignoring it and it's taking a toll on my mental health.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (TX)

I am writing to address the persistent issue of fraudulent inquiries on my consumer report, which remains unresolved despite my repeated attempts to rectify the situation. I want to emphasize that these inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has caused me significant mental anguish and financial hardship. 

As a victim of identity theft, I find myself compelled to consider legal action if this matter is not addressed appropriately. These inaccurate and fraudulent items on my consumer report have severely impeded my ability to purchase my dream home and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-07-26
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. (TX)

I am writing to express my deep concern regarding several inaccuracies on my credit report, which have been the subject of multiple disputes. Despite my ongoing efforts and previous communications requesting thorough investigations into these accounts, I have yet to receive a satisfactory resolution. 

The disputed accounts, including [ list specific accounts and account numbers if available ], contain errors that are severely damaging my credit standing and causing significant personal and financial hardship. The negative effects of these inaccuracies are impacting my ability to secure housing, employment, and access to credit, which are essential for my livelihood. 

I kindly request that your agency conduct a comprehensive investigation into the reporting of these disputed accounts. It is imperative that these inaccuracies are rectified immediately to prevent further damage to my credit file. Enclosed are copies of relevant documents, including [ mention any documents you are including, such as dispute letters, proof of payments, or identity theft reports ], to support my claims. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and accurate investigation of disputed information. I urge you to prioritize this matter and take swift action to correct the errors in my credit report. Please provide a written response detailing the actions taken to resolve these issues. 

Your prompt cooperation and support in addressing this matter will be greatly appreciated. Thank you for your understanding and assistance.