davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i do not know nothing about those companies i have those inquiries without my knowledge
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account was charged off on the following date : XXXX XXXX 

Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history, but a charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations, which has violated my rights. Experian completed my dispute of this, asking them to verify the information as accurate, and did not remove the re-aging of charge-offs. 

Therefore, I am demanding a correction of the charge-off date on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (VA)

[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Experian for Inaccurate Credit Reporting Dear CFPB, I am writing to file a complaint against Experian regarding the inaccurate information being reported on my credit report. 

Today, I spoke with XXXX XXXX XXXX at XXXX PM, and they confirmed that the loan I settled with them on XX/XX/year>, is not a charge-off account. They received their payment on XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ), any inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days. A charge-off occurs when a creditor determines that a borrower is unlikely to repay several months of missed payments and subsequently writes off the unpaid debt as a loss. Such negative marksincluding missed payments, charge-offs, and collectionscan significantly harm a consumers creditworthiness. 

Given that XXXX XXXX XXXX has confirmed the status of my account, I respectfully request that you compel Experian to remove this account from my credit report due to inaccurate reporting. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-09-26
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. (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC, XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, Subject : Request for Removal of Unauthorized Soft Inquiries and Self Reporting Accounts Dear Experian, I need to get this stuff off my report it Is harming my credit. The laws regarding the deletion of inquiries on my credit report are primarily governed by the Fair Credit Reporting Act ( FCRA ). Here are some key points : 1. Disputing Inaccurate Information : Under the FCRA, if I find inaccurate or unverifiable information on my credit report, I have the right as the Consumer to dispute it. The credit reporting agencies ( Experian, XXXX, and XXXX ) are required to investigate your dispute.If the information can not be verified, it must be removed XXXX. 
2. Unauthorized Inquiries : If a company pulls your credit report without your consent, you can dispute these inquiries.The credit bureaus must remove any unauthorized inquiries from your report 2. 




XXXX XXXX  XXXX Inquired XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of birth XXXX Self-reported accounts Account nameXXXX SELFREPORTED Original creditorXXXX Account nameXXXX SELFREPORTED Original creditorXXXX Account nameXXXX SELFREPORTED Original creditorXXXX  Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TD BANK US HOLDING COMPANY (MA)

I contacted TD Bank about a potential deferral on our mortgage on XX/XX/ via phone-I did not have to provide any written documentation-they said I should hear back in about 30 days. 

We got an official letter dated XX/XX/ which stated the same thing. 

I followed up with them for 3 months until they finally put the deferral in writing dated XX/XX/ XXXX XXXX 

My wife and I signed the paperwork and sent it back via the XXXX package provided. 

TD Bank received the package about XX/XX/XXXX and I continued to follow up with them about the actual processing of it which kept getting delayed. 

In about XXXX I requested a supervisor/customer advocate to get involved and found out the bank was having internal issues getting this finalized. 

This went on for another 3 months until they put new paperwork together XX/XX/. 

They will not process this until XX/XX/XXXX XXXX XXXX 

They have ruined my credit as this took 8 months instead of 1 and they never should have reported the amount past due.
Consumer complaint received 2024-09-26
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. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (GA)

I am on XXXX and I fell on hard times and I'm trying to catch up on all my bills and I speak to a representative one day and the very next day another representative calls me and the next day another one caused me sometimes two and three times a day after we have already made arrangements to come in. They're calling in all time of the day and all the time of the night. They have a very rude and bad attitude and I'm just sick of them calling me so much when I told them that when I get paid and I have enough money I will bring them a payment. They act like they don't hear me the first time and they called again and another one called again and it is really getting annoying and harassing me
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. (SC)

I am writing to demand immediate validation of the debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ). This is not a refusal to pay, but a request for verification of the debt. You must provide the following : Original creditor 's name and address. 

Amount of debt and detailed breakdown. 

Proof that you are legally authorized to collect this debt in my state. 

Copies of any documents that support your claim. 

wet signature that this debt belongs to me Failure to provide these within 30 days will result in this matter being reported to the appropriate authorities. Remove this account from my credit report until you have validated the debt.
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. (TX)

I recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my undestanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2024-09-26
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. (IL)

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 XXXX : XXXX
Consumer complaint received 2024-09-26
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. (OH)

I am writing to you as the holder of credit card account number XXXX XXXX XXXX # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit card account # XXXX opened at XXXX XXXX on XX/XX/XXXX, Credit account # XXXX opened at XXXX XXXX XXXX  XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXXXXXX on XX/XX/XXXX, Credit card account # XXXX opened at XXXX XXXX XXXX, credit card # XXXX opened at XXXX ON XX/XX/XXXX, Car lease account # opened at XXXX XXXX opened at XXXX XXXX on XX/XX/XXXX, Apartment ease account # XXXX opened at XXXX XXXX on XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 — Was not notified of investigation status or results
Company: EQUIFAX, 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.

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Consumer complaint received 2024-09-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-26
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. (PA)

In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve this issue, including disputing these accounts with the credit bureaus, debt collectors, and the original creditors. I have sent certified letters to all parties involved, but they have failed to rectify the situation and have not provided adequate documentation within the required legal timeframe. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), ** credit reporting agencies are required to investigate disputes regarding the accuracy of any item in a consumers file within 30 days of receiving the dispute. The credit bureaus involved have failed to meet this obligation, as they have not properly investigated or removed these fraudulent accounts. Additionally, under Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), when an identity theft report is filed, I have the right to request all information related to the fraudulent accounts. This has not been adequately provided. 

The accounts in dispute are : XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$3600.00}, XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$160.00}, XXXX XXXX XXXX Account XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) reported as opened on XX/XX/XXXX with a balance of {$1700.00}, Collection account from XXXX XXXX XXXX ( Account XXXX XXXX ) with a balance of {$890.00}. The original creditor is XXXX XXXX, Collection account from XXXX XXXX XXXX  ( Account # XXXX ) with a balance of {$5300.00}. The original creditor is XXXX XXXX, and XXXX ( Account # XXXX ) opened on XX/XX/XXXX with a balance of {$5200.00} I have also submitted an FTC Identity Theft Report regarding these fraudulent accounts, which further strengthens my case under Section 605B ( 15 U.S.C. 1681c-2 ), which requires the credit bureaus to block the reporting of fraudulent information once the identity theft report is provided.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), mandates that debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters, the debt collectors involved have failed to provide adequate verification of the debts within the required timeframe.

Given that both the credit reporting agencies and the debt collectors have not complied with these legal obligations, I am requesting that these accounts be removed from my credit report immediately. 

All relevant documentation, including my FTC Identity Theft Report, is attached to this submission.
Consumer complaint received 2024-09-26
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.