davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$8400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-10-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

I sent well uploaded all documents they told me to upload so they could look into the possibility of discharging partial or full amount the letter was dated XX/XX/year> and said I had 30 days from that date to do it. Well I did and they still have yet to do anything
Consumer complaint received 2024-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MA)

I've been a victim of identity theft, after receiving my credit reports, i noticed a collections on my credit report from Credit Collection Services in the amount of {$91.00}, that has been on my credit report since XXXX of XXXX. The issue is that i was never notified at all bye this collection company and they are reporting it on my credit report with out my knowledge or consent. On XX/XX/XXXX sent validation letter by certified mail ( will upload doc 's ). Credit collection services responded by sending two documents, one a Invoice for the debt company and the other an courtesy letter with no date on it from XXXX XXXX from XX/XX/XXXX. Comparing the information on my credit report to the info the collection company sent me, has many inaccuracies being reported. I have all the documents and will up load them. Did try to contact XXXX XXXX to resolve this issue and they would not discuss the matter and gave me Credit collections info and hung up on me. Please remove from my credit report using 15 USC 1962 and 15 USC 1681i and 15 USC 1681B ( 2 )
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Reporting inaccurate addresses that are not valid nor have resided. Would like the following addresses removed from credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-13
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. (AL)

I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, causing significant harm to my credit file and financial well-being. 

I kindly request that you conduct a thorough investigation into each of these disputed accounts and take the necessary steps to correct and update my credit report as soon as possible. These errors are causing severe hardship in my day-to-day life, and I urge you to address this issue without further delay. 

Restoring the accuracy of my credit report is essential for me to regain control of my financial standing. Your immediate attention and cooperation in resolving this matter would be greatly appreciated. 

Thank you for your understanding and prompt assistance.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

These accounts were specifically XXXX XXXX XXXX was removed from my credit report XXXX weeks ago. The fact that XXXX XXXX XXXX added this ILLEGAL/FRAUDULENT account back to my XXXX report XXXX beyond me. This account is fraudulent and illegal and needs to be removed for the last final time. THis is illegal for not only the original creditor but for the credit bureaus to remove and readd back to my credit profiles. remove this illegal account of my report for the last time XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX {$7700.00} These accounts below are also illegal and were never authorized in my name. Please remove the rest of these accounts before further action will be taken. I am a victim of identity theft. 


XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$62.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-02
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. (NY)

I am filing a complaint against Equifax regarding the incorrect reporting of an account from the XXXX XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXX ) on my credit report. This account contains inaccurate information that the original creditor can not verify, as they do not have an office of compliance to validate the report data. 

Details of the Complaint : Inaccurate Account Information : The account name, balance, original balance, payment history, and balance update are all incorrect.

This account is marked as closed and should not appear on my credit file in its current form.

Failure of Verification : The XXXX XXXXXXXX XXXX XXXXXXXX XXXX does not have an office of compliance to verify the reporting data. Therefore, the information on this account can not be verified, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Impact : The inaccurate reporting of this account has caused significant harm to my credit profile, negatively affecting my ability to obtain credit. This has resulted in unwarranted financial stress and hardship. I believe Equifaxs actions violate 15 U.S. Code 1681e ( b ) - Accuracy of Report, under the FCRA.

Request for Resolution : I am requesting the CFPBs assistance in ensuring that Equifax fulfills its obligations under the FCRA by : Deleting the inaccurate account information from my credit report. 
Conducting a thorough and reasonable investigation into my dispute. 
Providing me with an updated copy of my credit report reflecting the deleted account. 
I expect a swift resolution to prevent further damage to my credit standing and financial well-being. I have attached a copy of my identification, social security card, and the disputed account with highlighted incorrect information for your reference.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed three complaints that are ongoing against improper practices of Transunion with my credit score. They dropped my score XXXX plus points a few days ago and dropped it another XXXX points today? This appears to be a retaliation to my previous XXXX points that the company has yet to respond to? Who can help with them continuing to drop my score as a retaliation for complaining to you?
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XX/XX/XXXX I received a notice from the debt collections agency Rash Curtis Associates, that I owed {$1200.00} on a medical bill from XX/XX/XXXX. I wrote back to them immediately ( so well within the 30 days cutoff ) that I requested validation. They sent me back on XX/XX/XXXX another collections letter that showed no more information than the initial letter. I wrote them a letter requesting more information and that their response to my validation request was not sufficient because I was trying to get enough information to correspond with my insurance and verify this or any amount was in fact due. They did not respond to this letter, but put in a negative report on my credit and sent me another collections letter with no additional information in the second week of XXXX, sorry I don't have the exact date that most recent letter is not with me at this moment. 
I sent all my letter registered mail and they signed for receipt of them and I have copies of all communications they sent to me.
Consumer complaint received 2024-10-02
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX Bankruptcy XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-13
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 XXXX Account Number:XXXX  and list of Inquiries. 

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 XXXX 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 information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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 of a personal auto loan opened with XXXX XXXX XXXX opened on XX/XX/year> with the account number XXXX. This account has resulted in fraudulent hard inquiries and 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 XXXX  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 # ( XXXX ) as proof from the US 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

112 Claims inaccurate information 111 Claims company will delete. 

106 Disputes present/previous Account Status/Payment History Profile/Payment Rating. 
012-Claims paid the original creditor before collection status or paid before charge-off. 

United States constitution Treaty of peace and Friendship 1789 I am the lessor of this vehicle uniform consumer credit code the Federal Consumer Credit Protection Act 15 us code 1666 correction of billing errors You committed security fraud Can you give me evidence of my indebtedness?

I gave you a security and have not got my dividends from the security I gave you.

You never loaned me any money I received a house for which I am the grantor/Creator of the deed of trust and have the right of subrogation removing you from you fraudulent positions of trustee article one section 10 of the united states of the constitution notice of error Amen in GOD we Trust
Consumer complaint received 2020-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report over 45 days ago. i have not received anything back yet. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal XXXX  XXXX XXXX credit card opened at XX/XX/XXXX account number XXXX, an a personal XXXX Card opened on XX/XX/XXXX account number XXXX, an a miscellaneous account XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX, an a miscellaneous account XXXX XXXX opened on XX/XX/XXXX, an XXXX XXXX opened on XX/XX/XXXX account number XXXX, an XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX, an a personal student loan XXXX  XXXX XXXX opened on XX/XX/XXXX account number XXXX, an XXXX XXXX  opened XXXX XX/XX/XXXX account number XXXX, an XXXX XXXX opened on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

List of incorrect addresses : 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 XXXX XXXXList of incorrect names XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (AZ)

My account with those creditors 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 those account 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.

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 2024-10-02
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. (TN)

There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of XXXX I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXXXXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXXXXXX XXXX to pull my credit several times I need this corrected and for them to be removed.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.