davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ), the requisite documents include a valid photo ID, a recent utility bill, and a letter from an advocacy organization assisting me with debt related to XXXX XXXX, as defined under the Trafficking-Debt Final Rule, specifically sections 1002.142 ( b ) ( 4 ) and 1002.142 ( b ) ( 7 ).

I respectfully request that this information be removed from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. I have submitted my identification and the documentation requested from the list of acceptable items, fulfilling the requirement of only two items as stipulated by law. Additionally, I have provided all necessary documentation, including a victim determination letter in accordance with Section 1002.142 ( b ) ( 6 ). 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

Equifax has no multifactor authentication when logging into an individuals credit info account on their website. The company itself has had numerous system hacks and personal information has been stolen from their database which affects basically anyone with a credit card. Even after all these breeches you can still log into their systems without being authenticated. It is such a security risk and leaves customers open to more fraud. Anyone can login and turn off a credit freeze, etc. Both XXXX and XXXX have instituted XXXX given the sensitivity and potential damage that can be done when someone identity is stolen. Equifax is reckless and irresponsible by not providing this security feature when accessing an account on their system.
Consumer complaint received 2024-07-15
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. (GA)

The reappearance of the XXXX XXXXXXXX XXXX account on my credit report, despite its previous removal for fraud, is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This fraudulent account is not only inaccurate but also detrimental to my creditworthiness. I am requesting its immediate and permanent removal for the following reasons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy and Fraud : The account was previously confirmed as fraudulent and removed from my credit report. 
Re-reporting of this account constitutes inaccurate information under the FCRA. 
Violation of the Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) : Blocking of information resulting from identity theft : ( a ) Block - Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
611 ( 15 U.S.C. 1681i ) : Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation RequiredIf the completeness or accuracy of any item of information contained in a consumers 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.
Consumer complaint received 2024-09-05
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: Halsted Financial Services, LLC. (CA)

on my credit report. Despite my initial dispute and subsequent request for the method of verification, the disputed information remains unchanged. Therefore, I am requesting immediate action to correct the following item ( s ) on my credit report : Disputed Item ( s ) : XXXX XXXX. XXXX XXXX requested a deletion due to the information being wrong and failed to get back to me within 30 days Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified.

I have already provided documentation supporting my dispute and requested verification details in my previous letters. Since the information remains unchanged, I am now requesting that you : 1. Immediately delete or correct the inaccurate information from my credit report.

2. Provide written confirmation of the actions taken.

If these items are not corrected and removed within 30 days, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. Additionally, I will be filing complaints with the Consumer Financial Protection Bureau This letter serves as my formal Notice of Intent to Sue. I hope we can resolve this matter promptly to avoid legal action.

Thank you for your immediate attention to this matter.

Sincerely,
Consumer complaint received 2024-07-15
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. (NJ)

re : XXXX XXXX late payment XX/XX/year> Account number XXXX I have sent two previous letters to you, certified mail asking you to remove inaccurate information from my file. Because of my request, you all have failed to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


According to the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or delivered to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2024-07-15
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)

Dear Credit Bureau, I am writing to inform you of an error regarding the balance on my XXXX account XXXX with the account number XXXX. I believe that the balance shown on this account is inaccurate due to fraudulent activities that occurred. 

I want to clarify that the card associated with this account has been closed, and I have not been late on any payments related to this account. Therefore, the current balance displayed on this account is not reflective of my actual financial standing. 

I kindly request that you investigate this matter further and correct the balance on my XXXX account accordingly. Please also take the necessary steps to ensure that this fraudulent activity does not impact my credit report negatively. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information to assist with this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX opened a new trade-in for my student loan instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) T
here is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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

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

I demand the late payment reported in 60 days to be removed.

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

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


XXXX XXXX, XXXX & XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed unverified information on my Equifax credit report more than once. Equifax claims they can not find my credit file after sending the necessary documents they have asked for. The first dispute was sent to Equifax on XX/XX/2019 asking them to verify the accounts in the amounts of {$5400.00}, {$460.00}, {$470.00}, {$450.00}, {$400.00}, {$960.00}, {$860.00}, {$2000.00}, {$1400.00}, {$1000.00}, and {$200.00}. The second dispute was sent to Equifax on XX/XX/2019 with the same accounts, and amounts. After Equifax received my disputes they still claim that they can not find my credit file after I sent them the necessary documentation again notarized. They have failed to verify these accounts in the proper manner which they have to according to the Federal Law. They have failed to send the contracts with my signatures, or any audio/ video that proves this information is accurate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

My credit applications are getting denied because my credit report has errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health and credit score due to this inaccurate information on my credit report.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I was solicited to use a Home Depot credit card- issued through CitiBank . One I hold but very rarely use since selling home. 
I bought a {$45.00} drill in XXXX after getting " important notice '' that I needed to use card to maintain account. Due to oversight and bombardment with junk mail, I may have inadvertently thrown statement in trash, or it wasn't received. 

When I did get next statement, I called to inquire about late fee showing.I told them I would pay the bill that day which I did, driving directly to Home  Depot  to do so. They agreed to remove the fee, but said I needed to call again, as a second late fee was charged, and they could only remove one on that day, but would be no problem to remove the 2nd. 

When I got next statement and saw no fee at all was removed, I attempted to call again. I got disconnected after being on hold for some time. I called back 2-3 days later and was connected to an adult chat line. 

Then I got notices from my credit monitoring services. I called again. Was told by a representative and her supervisor that they would not and could not do anything unless I made a payment. I refused, They have since decimated my credit, reporting as 60-90 days late. I called again today and was again told they could remove just one late fee but I had to pay two others. I refused
Consumer complaint received 2024-08-22
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. (CA)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$530.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-15
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. (AL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I recently looked at my Experian credit report on XX/XX/2024, and noticed some things are 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 ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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. 

XXXX has deleted XXXX  XXXX # XXXX from my credit report.
Consumer complaint received 2024-08-22
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)

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

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

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

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

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

My son who no longer lives in Florida stole my identity and used it to make several purchases in my name back in XXXX and XXXX when I was still working as a XXXX  XXXX at a XXXX XXXX. I had recently lost my wife of 30 years who passed away very unexpectedly and I myself the same year almost died from a XXXX XXXX and had XXXX XXXX XXXX. I went back to work 2 months later and began working 60-70 hours a week. I paid no attention to my son who had gotten his hands on my bank account info and all my personal info, he proceeded to buy all kinds of things without my knowledge, he apparently was making payments on time and the only way I found out was when he left Florida and moved to Michigan all of a sudden. Then I started getting bills from what he had purchased under my name.I never got the mail when he was in Florida since he was smart enough to get it before I got home from work which was 10 or 11 oclock at night.I cleared up all of these accounts by returning merchandise he bought for his apartment and left in Florida, and also by writing letters to the other merchants.This merchant - cavalry portfolio services, bought an account from XXXX XXXX  .Apparantly my son bought some furniture on credit and paid about {$1000.00} of a balance of {$1500.00}, when I became aware of the account they had already sold it to cavalry at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ny XXXX, phone number XXXX.I spoke with XXXX who removed the collection from my credit bureau, however Cavalry portfolio services will not . I have disputed them in the credit bureaus, and contacted them twice, they will not delete the collection from my bureau unless I pay them {$960.00}, even though the original balance remaining was only XXXX {$600.00} they will not help me. I offered up to {$600.00} to clear it, even though I should not have to, they say it is my account because my name is on it, they don't care about identity theft, they are not interested in what's right only the money. I can not afford anymore, I have been retired since XXXX with XXXX  XXXX, I have perfect credit with a XXXX score but this account is keeping me looking like a bum with a collection account. It is very disturbing th work hard my entire life, get to XXXX years old and have this happen. Please help!