davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 

List of Disputed Accounts : XXXX XXXX  XXXX XXXX I have contacted your bureau multiple times regarding their removal. Despite my efforts and your assurance of investigation and resolution, these accounts remain on my credit report, severely impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. 
I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide me with a written explanation of the actions taken to resolve this dispute within the legally required timeframe. 

Failure to comply with the FCRA 's requirements may result in legal action to protect my rights as a consumer. I trust that it won't come to that, and you will promptly address this issue.
Consumer complaint received 2024-07-08
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-24
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 XXXX. 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 XXXX XXXX XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-08
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. (MI)

There are multiple mistakes on my credit report that I would like you to investigate and remove as soon as possible. 

XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX {$24000.00} XXXX XXXX {$7500.00} XXXX XXXX {$7100.00} The XXXX cards above I used to be an authorized user on. But hold no responsibility to pay these cards. I have already notified the bank and they have agreed to remove me as an authorized user. I just need the credit reporting agencies to also remove me, I am not a authorize user on any of these cards anymore, please remove them as soon as possible XXXX XXXX  {$5800.00} Apple Card {$4300.00} XXXX XXXX {$4900.00} XXXX XXXX. XXXX {$1200.00} All XXXX of these accounts were open fraudulently. I've reported them to the banks, but they choose not to do anything. At this point, they have charged off the accounts which I have to claim with the IRS as income. And if you check with your legal department, you'll know that it's against federal law to list income on my credit report, feel free to check with the banks. All XXXX of the cards have been written off which I then claimed does income on my federal taxes. Please remove the as soon as possible. If you're uncertain again, I would ask that you forward this onto your legal department. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX The inquiries above were all done fraudulently I have contacted each bank and they all confirmed that the information was slightly different and that the inquiry was fraudulent and they've removed it from their records, but they say it's up to the reporting agencies to do the same thing. So I don't know exactly what you need to do, but feel free to contact these banks. They will confirm that these were fraudulent inquiries, and I would like them all to be removed as quickly as possible, thank you I only have two names XXXX XXXX XXXX XXXX XXXX All other names are fraudulent and are not me. Please remove them.
Consumer complaint received 2024-07-08
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. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-08
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-08
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XX/XX/XXXX XX/XX/XXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries, and incorrect personal information which were being posted to my reports. Here is the list of items which were opened without my permission : Experian : XXXX XXXX XXXX XXXXXX/XX/XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXX Date opened : XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -- XX/XX/XXXX XX/XX/XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Date opened :XX/XX/XXXX Balance : {$0.00} -- -- -- -- -- -- -- -XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-07-08
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy.

The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. 

The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. 







FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). 

Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : 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 information is inaccurate. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

The information is, in fact, inaccurate. 

The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

The information is, in fact, inaccurate. 

No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 

2. Prohibition : 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 information is inaccurate XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX accts XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX under file number : XXXX with XXXX, I sent a certified letter with a copy of my driver 's license, SSN card, and a copy of my XXXX XXXX XXXX to correct the address and delete and addresses that I no reside. On XX/XX/XXXX, I called to have my credit freeze lifted and was told my credit file was in an " UNKNOWN '' status in which I would need to send verification of my driver 's license and SSN card again. I was told this would take 3-5 business days from the phone representative and it would be corrected. I sent a certified letter with a photo ID and SSN card copy dated XX/XX/XXXX with tracking numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( Experian ) XXXX to update my address to XXXX XXXX XXXX, XXXX, Virginia. Per the tracking, it was delivered on XX/XX/XXXX. I received a credit report dated XX/XX/XXXX with file number : XXXX which I never requested my credit report, I saw my personal information was still incorrect along with telephone numbers I never had. On XX/XX/XXXX I went back on the XXXX website and saw my credit report still said " UNKNOWN '' so I called XXXX in which the first representative informed me that they did not have the information mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. I requested to speak with a manager in which I was told it will be 3-5 business days for a return call. 

The representative informed me that she could not verify me by any information in her system. I was asked a series of questions such as choosing for ( XXXX ) zip codes : XXXX, XXXX, XXXX, XXXX. I told the representative I have never heard of these zip codes. I was asked to verify one of ( XXXX XXXX street names such as ; XXXX, XXXX, XXXX XXXX XXXX in which I advised the representative I have never heard of these streets. I reiterated I sent in my ID and SSN card with my XXXX XXXX XXXX XXXX to which she stated I can not be verified and can not be helped. Strangely all my creditors are sending me notices from the collections agencies with my current address XXXX XXXX XXXX listed. I am also getting credit reports that I did not request from all ( XXXX ) ; XXXX, XXXX, and Experian. 

Today, XX/XX/XXXX I sent ( XXXX ) certified letters to ( XXXX ) XXXX, ( XXXX ) XXXX, and ( Experian ) XXXX followed by the tracking numbers. I also sent XXXX a copy of my employer XXXX for XXXX which verifies my address. I was told by XXXX it takes 30 business days to verify me even though I sent a picture ID and selfie through the app texted to me on the telephone with the representative to again verify and delete old, incorrect, or to update my address and employer. I still can not understand how credit information is being sent out from these agencies to an address that is reported each month on my credit reports for rent but they are stating I am unverifiable. I am seeking an investigation and a quick resolution.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Derogaratory marks on my credit report that should have been removed have restarted the clock on my credit report. Portfolio Recover has three reports of the same debt entry that was in my mother 's name. I have been trying to get this off my credit report for years, and they keep denying the dispute. XXXX XXXX XXXX has done the same thing.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card ending in XXXX XX/XX/XXXX I paid XXXX on the card. XX/XX/XXXX I decided to pay the card off and checked the full remaining balance and the current balance and paid the full payment of XXXX, The next day, they came back and charged an additional interest of XXXX. I called, spoke with a XXXX XXXX, asked for a refund, they said No, asked for a manager got XXXX employee # XXXX who also refused to refund the incorrectly added interest. 
I want the interest refunded and the account to zero like it should have been without all the hassle. I did pay the balance of XXXX today so additional interest did not accrue, but I want the XXXX refunded, with interest as this is a matter of principle and ethics.
Consumer complaint received 2024-07-09
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. (PR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to report an incident of identity theft in which an unauthorized checking and savings account was opened with Capital One using my personal information. I initially reported this fraudulent activity to Capital One on XX/XX/year>. At that time, I was informed that I would receive a letter confirming the closure of the account due to fraud and verifying that I would not be held liable for any transactions associated with it. However, I have yet to receive this letter. 

On XX/XX/year>, I reached out to Capital One again and was informed that they were still investigating the matter. Unfortunately, they were unable to provide a specific timeframe for the resolution of this issue. 

Most recently, I contacted Capital One on XX/XX/year>, and was told that the necessary steps have been taken. Unfortunately, I was not given details regarding the specific steps that have been implemented, nor was I able to confirm my release from liability for the fraudulent activity. I was provided with the case number XXXX for reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request written confirmation that the account has been closed due to fraud and that it will be removed from all reporting agencies. Thank you for your attention to this matter.
Consumer complaint received 2024-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: IQOR US INC (NY)

Please provide in writing attached to the cfpb the name of the program the client has been entered in Along with the policy and terms for the 150 monthly payments Please provide the terms of the offer in writing as according to XXXX the client was provided offers we will need XXXX and allied to place the offer for payment in writing as they have failed to do so on 10 occasions
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC (TX)

I was charged {$800.00} from my checking account from the company name ACIMA which I never hear of and never took any service from this company all of a sudden I seen an ACH transaction from my XXXX account which I called my bank and they put fraud investigation on it after I called the ACIMA their answers are reckless and they didnt even try to look and hung up my call. 

Please help our hard earned money Thank you
Consumer complaint received 2024-10-07
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: Exeter Finance, LLC. (WV)

Back in XXXXXXXX XXXX XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Consumer complaint received 2024-10-11
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: Resurgent Capital Services L.P. (VA)

LVNV FUNDING LLC is a collection company that has put a negative item on my reports, I have contacted them to provide me with the original contract with my signature on it, but they have not given me anything. I demand them to take the collections report off my credit report. 

I also have unauthorized inquires on my report that's included in my attachment. the inquiries were from someone to get credit in my name.