davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX my husband and I got a HELOC for XXXX with XXXX XXXX  On XX/XX/XXXX I filed XXXX  XXXX bankruptcy On XX/XX/XXXX the bankruptcy was discharged Both my mortgage with XXXX and my HELOC with XXXX were NOT part of my XXXX I continue to pay my monthly payments to both every month. 

I was explained that during my bankruptcy, these two accounts were not going to be reported to any credit bureau but that after my discharge the reporting will be resume. 

My mortgage company did just that without a hitch, however XXXX XXXX  will not do it. Not only they will not talk to me at all about this, but also I have disputed this error with Experian several times. In Experian it shows as account closed, XXXX balance and it shows as my individual responsibility. This all is wrong information, it prevents me the rebuilding of my credit.
Consumer complaint received 2024-07-17
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. (CA)

My rights as a consumer is being violated. There are inquiries on my credit report that I don't recognize and it is stressing me out, I never gave permission nor consent to these companies to pull up and access my credit report.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I looked at my credit report on XX/XX/2024 and noticed something is incomplete and inaccurate According to the. Fair Credit Report Act. A consumer reporting agency reasonably procedures these accounts whenever it prepares a consumer report EXPERIAN. 
XXXX XXXXXXXX XXXX XXXX XXXX. 
ACCOUNT NUMBER XXXX
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (FL)

My car was in a total loss car accident. I wasnt at fault. 

XXXX was the rental company of the other car that caused the car accident. They were sued. 

Ive reached out to XXXX XXXX and sent serveal CFPB complaints and the information Im SPECIFICALLY requesting has not been provided. Please see below my questions and concerns. 

I need information on the money that was collected for this claim?? 

Why do I have a balance??? 

Why was my car repossessed over 4 months after a total loss accident and I wasnt in possession of the car??
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. (FL)

I have asked the credit bureaus to investigate several accounts that are reported in my name, and I have not had a solution. I sent a certified letter printed with ID, the information reported in my credit is inaccurate, incorrect. I requested the deletion of this account and received a response. I demand that these accounts be removed since they are affecting my ability to grow and obtain credit. The response from the credit bureau is incorrect, I did not obtain proof that these accounts belong to me. I ask you to please help me to be able to delete these accounts.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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

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

I demand the late payment reported to be removed.

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

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

Equifax 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 2024-10-03
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the Fair Credit Reporting Act, XXXX account # XXXX and # XXXX has violated my rights 15 USC 1681 602 A states i have a right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Consumer complaint received 2024-09-16
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. (PA)

I submitted a letter before with a wrong social security number ( please update ) I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There were fraudulent items on my report which I have supplied the several police reports for. Since XXXX, Capital One has placed items on my report that have no belonged to me due to identity theft that has been reported time and time again. These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account numbers XXXX ..... 

They have received written notices of billing errors pursuant to 15 U.S. Code 45 1666 ( a ). Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due When it came to my attention that Capital One had been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to XXXX, XXXX, XXXX, XXXX. 
Capital One has also furnished deceptive forms pursuant to XXXX XXXX XXXX XXXX via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. 
The statements always arrive with a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ).

The account with Capital One was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States .

Capital One 's furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961.

Capital One has never made amends nor has Capital One provided me non-equitable relief for my current account or new one created. In addition, Capital One has not made amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to XXXX, XXXX, XXXX, XXXX, and XXXX. 

I have stated all matter should be handled in writing due to the deceptive nature of doing business with Capital One.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with 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 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Dispute and Request for Immediate Deletion and Validation of Account : XXXX  XXXX Dear CFPB, I am writing to formally dispute the following account listed on my credit report from XXXX. I have never opened or authorized the account described below, and I am demanding its immediate removal from my credit report. Despite having been in great standing with all of my correct and verified XXXX XXXX accounts, this account does not belong to me. I have disputed this account on multiple occasions and have not received any proper validation from the credit bureaus or the creditor. 

Disputed Account Information : Account Name : XXXX  XXXX Account Number : XXXX Credit Bureaus Involved : XXXX Date Opened : XX/XX/XXXX Current Status : Collection/Chargeoff Balance : {$0.00} Comments : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
I have an impeccable record with my legitimate XXXX XXXX accounts, all of which are in good standing. This disputed account is clearly an error, and I am requesting immediate validation of the account or its deletion from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request the following : FCRA Section 611 ( 15 U.S.C. 1681i ) : The right to dispute inaccurate information and have it corrected or removed if it can not be verified.

FCRA Section 609 ( 15 U.S.C. 1681g ) : The right to request original signed documentation or proof of the debt 's validity.

FDCPA Section 809 ( 15 U.S.C. 1692g ) : The requirement that the debt collector provide validation of the debt upon request, or cease collection activity if they are unable to validate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Creditors must accurately report information, and if they are unable to verify the information, it must be deleted. 
This letter serves as a formal request for the original creditors signed documentation or any other proof demonstrating that this debt belongs to me. Should this documentation not be provided within the legal timeframe, I demand the immediate removal of this account from my credit report. 

As of XX/XX/XXXX, I have received no communication regarding my previous disputes, violating my rights under the FCRA and FDCPA. I urge the CFPB to ensure compliance with these laws and facilitate the removal of this erroneous account from my credit file. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to ensure the resolution of this issue in accordance with federal regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 2024-07-18
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: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-18
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: Experian Information Solutions Inc. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I have an old account paid off about XXXX years now from Suntrust bank and it is saying XXXX late payment. I was never late on the payments. It was an error of theirs. I believe it happened when I paid it off. I believe they claimed that last payment was late but I was never late ever. It is an error. I paid on time with every payment.
Consumer complaint received 2024-07-18
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX  XXXX
Consumer complaint received 2024-07-18
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. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX
Consumer complaint received 2024-07-18
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX