davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

On XX/XX/XXXX I requested an acount be investigated for inaccuracies and to be deleted as it is violating my rights by being reported inaccurate. On XX/XX/XXXX i received an update stating in has been validated to be accurate. I did not receive any documents concerning this validation. I do not have a copy of the account contract as well as the account was charged off and is showing a past due balance but also reports as being written off. The credit reporting agency did not do an actual verification. And account is negatively impacting me because of there negligence. The account in question is XXXX XXXX account number is XXXX and it was charged off as of XXXX XXXX
Consumer complaint received 2024-09-20
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 formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (FL)

Please remove all 3 consumer dispute for these 3 accounts. I already paid for them. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX Thank you for your help
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-09-20
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. (IL)

I am asking for your help in resolving the incorrect account listed on my credit report. This has damaged my reputation, and I rely on your help to fix it. Your poor handling of my credit report has deeply affected me, causing damage to my reputation. These false details need to be taken off my credit report immediately.
Consumer complaint received 2024-09-20
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. (MD)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-20
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-10-09
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. (KS)

I was shocked to find unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I always check my credit report, and today I noticed these strange discrepancies that just appeared. I even tried refreshing my browser to see if it was a glitch, but the inquiries remained. Please review the documents Ive provided immediately so I wont have to deal with this again.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm submitting a complaint about late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent letters about this issue over 30 days ago, but I've received no response or satisfactory validation. I'm requesting your help to resolve this issue quickly and effectively.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-09-20
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. (TX)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-20
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. (TN)

A JPMCB card is reporting to my credit report that is not my personal card and should not be reporting to my personal credit report. The card was opened in XX/XX/XXXX but did not report to my credit report until XX/XX/XXXX. This card needs to be removed from my personal credit report immediately as it is a violation of my rights under the FCRA. The credit bureaus did not conduct proper investigations into the matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

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 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

After several phone calls to Mohela with no luck getting my refund resolved I wrote and mailed a letter to Mohela on XX/XX/year> and stated " My account was paid off on XX/XX/year>, and overpaid in the amount of {$1800.00}. Please let me know how you can help me obtain my refund of {$1800.00} on confirmation # XXXX as soon as possible. 

I overpaid my account by {$1800.00} please reference confirmation # XXXX and would like to be refunded this amount as soon as possible. I have contacted and connected with your customer service team on three occasions and unfortunately each time there was some sort of issue with either completing the refund request, or accessing my account and for some reason Im told they couldnt even access the notes made by each customer service agent regarding my phone calls. Each time I was told a supervisor would call me back within 48 hours and much to my disappointment have yet to receive such a call. 

I did not received a reply to this letter so I called Mohela again on XX/XX/year> and spoke to a supervisor named XXXX ID # XXXX. XXXX confirmed that this amount was overpaid and said she would put in the request to process the refund in the amount of {$1800.00}. She said that she would call me back on XXXX XXXX to confirm this refund request has been processed but unfortunately she did not call me. When asked the timeline when I would receive my refund she said the process takes 5-7 days then gets passed on to The Dept. of Treasury and they would in turn issue my check in 6 weeks. 

As of XX/XX/year> I have not received my refund so I called Mohela again and spoke to XXXX who was advised to advise me to speak with XXXX XXXX again. I was transferred but not to XXXX directly, and instead had to answer voice prompts of which I apparently answered incorrectly so my call was automatically disconnected. 

I'm at my wits end at this point. I am hoping you can help me get my refund please. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NC)

On XX/XX/2024, I was served a complaint in the District Court of the county that I live in by the Plaintiff identified as Midland Credit Management , INC ( MCM ). MCM filed a lawsuit claiming that they had purchased a debt that I had and is trying to claim damages on the account. MCM failed to do the following, which is a violation of the Fair Debt Collections Act and a consumer protection act in my state, 1. MCM never validated the debt with myself and I never had a chance to do so. 2. MCM never sent a notice to take legal action and did not include this notice in their filing.
Consumer complaint received 2024-08-29
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-09
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. (CA)

My personal information i.e. - first name, last name, home address are inaccurate ( Equifax, XXXX, XXXX XXXX ). There are 2 charge offs ( XXXX, XXXX XXXX, Equifax ), 1 Collection ( XXXX, XXXX XXXX ), and late payments ( Equifax and XXXX XXXX ) and inquiries ( XXXX ) that I have disputed numerous times and the credit bureaus keep giving me the same response. I also contacted all the agencies directly to take everything off and NEVER get a resolution.
Consumer complaint received 2024-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I received an email today XX/XX/year> from XXXX XXXX stating that there is a new inquiry on my credit report. I was given the selection to check the inquiry, and I did so. I was able to see that Capital One did a hard inquiry on my credit report. I have not applied for any credit card through Capital One nor any other company. Due to this hard inquiry, my credit score went down XXXX via XXXX and went down XXXX via XXXX.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I made an uninformed decision on XX/XX/2016 when I entered into this consumer credit transaction. The only evidence they have is the agreement, and since there is no evidence of indebtness and because of this uninformed decision this contract is null and void. It was not clear and conspicuous.
Consumer complaint received 2024-09-20
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 formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-10-10
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. (GA)

While speaking with a supervisor in the fraud department for TRANSUNION on a recorded call at XXXX XX/XX/23 he told me that TRANSUNION does not have to honor nor abide by FCRA 605b, which is a binding legislative law that protects me as an American whos afforded constitutional rights as a citizen of this country. Additionally, i explained to this supervisor that the other two bureaus being XXXX and XXXX honored my documentation requesting that my XXXX fraudulent accounts and XXXX inquires be *BLOCKED, not DISPUTED, as this supervisor insisted that a DISPUTE was my ONLY LEGAL RECOURSE, which is a lie, A XXXX OF JUSTICE, EGREGIOUS and a direct violation of my consumer rights to be afforded accurate reporting by this TRANSUNION bureau, BY REFUSING TO APPLY THE POTECTION OF FCRA 605B WHICH WARRANTED THIS BUREAU TO BLOCK THE AFOREMENTIONED ACCOUNTS AND INQUIRIES WITHIN 72 HOURS OF RECIEVING MY REQUEST TO DO SO WHEN THEY RECIEVED MY DOCUMENTATION ON XX/XX/23. I even sent them a copy of the FCRA 605b definition and controlling authority so its in excusable for them not to apply it, in fact it was malicious and CRIMINAL to ignore its enforcement.
Consumer complaint received 2024-09-20
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. (FL)

On XX/XX/year> it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of XXXX data breach. XX/XX/year> i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the XXXX date breach
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.