davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear XXXX XXXX XXXX XXXX, I am writing to formally request the removal of inaccurate late payment entries from my credit report for my closed credit card account, ending in XXXX. This account was closed on XX/XX/XXXX, according to the XXXX XXXX representative I spoke with today. However, the account closure date is being inaccurately reported to the credit bureaus, which is affecting my credit score. 

The discrepancies I have identified are as follows : XXXX is reporting the account closed on XX/XX/XXXX. 
Experian is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 

These inconsistencies are negatively impacting my credit report, and under the Fair Credit Reporting Act ( FCRA ), Section 605B, it is illegal to report false or inaccurate information to the credit bureaus. I kindly request that XXXX XXXX XXXX XXXXXXXX correct these errors and remove the reported late payments from my credit history, as they are inaccurate and unfairly damaging my credit score. 

Please provide written confirmation of the corrections made and notify the credit bureaus of these changes. I would appreciate your prompt attention to this matter, as it is crucial for maintaining an accurate credit profile. 

Thank you for your time and assistance.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I just recently looked at a copy of my credit report and noticed several inaccuracies on my accounts. this account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
Account Name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-15
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. (IL)

I am disputing this account due to inaccuracies in its reporting. This account is classified as a collection/charge-off, yet it shows a past due amount on my credit profile. Additionally, XXXX XXXX has reported to the IRS that they received a tax break for this account, but I have not received a 1099-C, which raises concerns about false reporting.

Its not permissible for an account to be both a collection and a charge-off simultaneously. Furthermore, it is illegal for a closed account to continue reflecting a charge-off status. My accounts have been showing charge-off status for the past XXXX years, which is also unlawful. 

Please remove these inaccurately reported accounts : XXXX Equifax XXXXXXXXXXXXX**** and XXXX  XXXX XXXX as well as XXXX XXXX. Thank you for your attention to this matter.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. 
Despite multiple requests for correction, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
XXXX. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Additionally XXXX and XXXX reflect that all payments on this account were made on time, with no late payments reported. However, Experian continues to indicate that there were late payments on this account. This inconsistency is adversely affecting my credit standing, as Experian is the only bureau reporting a negative payment history on this account. 
I am entitled to have inaccurate information removed from my credit report. Given that both XXXX and XXXX have confirmed that my payments were made on time, I request that Experian align my report to accurately reflect my positive payment history. Please investigate this matter and update my report to remove the erroneous late payment status. 

XXXX. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 


I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

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 2024-09-15
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (GA)

I BOUGHT A XXXX TURN MOWER FROM XXXX SYNCHRONY DOES THE FINANCING. I BELIEVE IN XXXX AND HAD MADE ALL PAYMENTS THROUGH XXXX XXXX XXXX XXXX BILL PAY, SOMETHING THAT I HAVE BEEN DOING FOR YEARS. ON XXXX XX/XX/XXXX I MADE A PAYMENT OF {$550.00} WHICH LEFT A BALANCE OF {$300.00} WHICH WAS PAID ON XXXX XX/XX/XXXX. THIS LAST PAYMENT THEY ARE SAYING THAT THEY DIDN'T RECEIVE. I CALLED THE AND PROTESTED THAT AS ALWAYS XXXX XXXX HAD ISSUED A CONFIRMATION NUMBER : XXXX AND XXXX ONLINE PAYMENT NUMBER XXXX. THIS I SENT THEM AFTER RECIEVING THEIR FIRST LETTER DATED XXXX XX/XX/XXXX TELLING ME THAT THE PAYMENT HAD NOT BEEN CREDITED TO MY ACCOUNT. I THEN FAXED THEM THE INCLOSED COPIES OF THE PAGES WHERE I HAD DOWNLOADED FROM MY PAY SHOWING THE ELECTRONIC CONFIRMATION NUMBER XXXX. ON OR ABOUT XXXX XX/XX/XXXX I RECIEVED AN EMAIL DATED XXXX XX/XX/XXXX REQUESTING A COMPLETE BANK STATEMENT. I WENT TO THE BANK XXXX XX/XX/XXXX AND REQUESTED A LETTER SHOWING WHERE THIS PAYMENT HAD BEEN MADE AND WHEN I GET THIS LETTER I WILL SEND IT TO THEM BUT I AM NOT GOING TO GIVE THE ACCESS TO VIEWING MY CHECKING ACCOUNT WHICH I DO NOT BELIEVE IS THEIR BUSINESS.
Consumer complaint received 2024-09-09
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (VA)

XX/XX/year> Enrolled in an M & T EZChoice Checking account to receive a bonus of XXXX XXXX dollars ( {$100.00} ) after completing required deposit activity. 

XX/XX/year> The routing and account numbers of the account were available via M & T Bank after logging into online banking. Sent a payment to the account from my XXXX, XXXX XXXX XXXX XXXX business checking account. 

XX/XX/year> Received an email about the account being closed. 

XX/XX/year> XXXX M & T Bank customer service XXXX and was told the account was closed and I needed to visit a branch, without further explanation. 

XX/XX/year> I do not have access to the M & T Bank account. The automated clearing house transaction has not returned to my XXXX, XXXX XXXX XXXX XXXX business checking account.
Consumer complaint received 2024-10-15
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. (NJ)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-15
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. (DC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-15
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. (KS)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-15
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I opened a Bank of America account on XX/XX/year> I deposited {$30.00} into the bank account the following day. After that, I continue to deposit funds into the account over the course of XXXX days then I was locked out of the day I went to withdraw funds I could not withdraw any funds, then reached out to call and find out the reasoning behind me not being able to use my funds and then they announce that there was a closure and that they would not be able to provide specific reasoning to my closure. Besides, I had application and they couldnt verify my identity, but I have had no problem with any credit cards or anything verifying my identity as they couldve just requested a ID or Social Security or whatever forms of identity they needed instead of closing the account then when I proposed that I can just bring that they said still said that they are closing the account and need to figure out a closure date. This puts me in a really grave situation as I needed access to my funds today.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-15
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
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)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I did not get a response for the 605 ( b ) Blocking Request for the Fraudulent Accounts on my consumer credit report that was sent to credit bureaus over XXXX MONTHS ago.