davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX XXXX XXXX : Balance : {$3600.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$3500.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Unauthorized Inquiries 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2024-08-15
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: EQUIFAX, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-12
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. (CA)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is not a request for a reinvestigation. The following account has been repeatedly disputed with no resolution that is consistent with the FCRA. 

I reviewed my credit report for accuracy and asked Experian to investigate the XXXX Account # XXXX because the account has XXXX separate charge offs that were inserted with no payment history that would justify or explain the charge offs. In fact, the information provided to me by Experian clearly shows the account as being incomplete and inaccurate, because of missing data and a payment history not supported by facts. ( see attached from Experian ) XXXX Account XXXX The Fair Credit Reporting Act affords me the right to a complete and accurate report. The Act clearly outlines steps In Cases of Disputed Accuracy ( see attached, FCRA Sect 611 ) Experian claims they have verified this information without conducting the appropriate and legally required investigation. ( e-Oscar is not considered an independent investigation ) I disputed his account for inaccuracy, because of the unexplained charge offs. On XX/XX/XXXX, I received a dispute investigation result which explained that the account was verified as accurate. However, the account was not properly verified, nor was it updated. The last status update, according to Experian, was XX/XX/XXXX. How can this account be verified and updated in XX/XX/XXXX with the last status update XX/XX/XXXX. The account was not investigated and updated. 

Experian is reporting XXXX separate charge offs and ND, no data as a payment history for this account, which makes it inaccurate and eligible for deletion. This is a violation that needs fixed.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX : XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX Balance : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX  XXXX  ) XXXX Balance : {$3400.00} XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Consumer complaint received 2023-12-30
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. (IL)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 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 8
Consumer complaint received 2023-11-20
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (AZ)

CitiBank , N.A . is creating false and fraudulent XXXX form ( XXXX ) against my saving account which was opened on/around XX/XX/XXXX and closed on/around XX/XX/XXXX. I have opened the saving account with the promise of " competitive '' interest rate, but turned out to be the lowest interest rate, during that period I was given {$4.00} as interest but was surprised that I was sent XXXX form for {$190.00}. I have called the number given on the formXXXX, on XX/XX/XXXX at XXXX MST and spoke to XXXX  and XXXX, XXXX looked up my account and agreed I only received {$4.00} in interest and he submitted a request to correct the 1099 form sent to reflect this amount and I should be getting the corrected form in XXXX business days. I didn't receive the correction as of today and called again on XX/XX/XXXX and this time the reps XXXX from XXXX call center and XXXX and XXXX from XXXX call center requested my account number or ATM number to access my account. I explained that I don't have it since once I closed my account, Citi cancelled my online access and I had to create new ID and pwd to be able to view my credit cards. Citi never sent me ATM Card nor statement in order for me to have the requested info, I gave the last 4 digits of my account and ATM that were sent in emails promo ( XXXX and XXXX respectively ) and also gave the ref above that was sent on the form as my unique identification but still they refused to look my account using my Social security as they did on XX/XX/XXXX. I never recieved any interest from Citi Bank in that amount and Citi has caused me to pay extra taxes due to wrong interest and pushing me to new Tax brackets. 
I think Citi is trying to avoid paying taxes by issuing these fraudulent forms to their customers and should be investigated. I have the records to prove the original deposit amount, interest paid and final check after closing the account and can be provided upon request.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not consent, authorize, nor benefit from the inquiry reporting on my consumer report. I DEMAND IMMEDIATE DELETION AND REMOVAL OF THE INQUIRY FROM MY CONSUMER REPORT!!! 

XXXX XXXX
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

On XX/XX/XXXX I notified Credit Collection Services that absent any legally binding contract between myself and Credit Collection Services, I will not be forced to do business with them and to cease and desist any and all collection actions against me. I informed Credit Collection Services I would not be extorted. Also that reporting of negative accounts to the credit bureaus was a form of extortion and respectfully to get off my credit file. 

As recently as XX/XX/XXXX Credit Collection Services is still reporting and validating an account I do not owe them. At this point I am reaching out to report their illegal activities in preparation of further legal remedies to stop this abuse and harm to my financial status, as the reporting has damaged my fico score and cost me to become ineligible for funding, loans and credit. 

It has also resulted in me being charged extremely high interest rates on my vehicle loan. Credit Collection Services was placed on notice by myself more than 90 days ago to cease their illegal practices, Yet continues to ignore and disregard the severity of their atrocious actions. It has been close to 3 years to be exact! I have attached copies as proof to this communication in the form of my certified proof of mailings delivery receipt via USPS, the C & D letter, as well as a screenshot of the account being reported to the credit bureau.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I would like to dispute off the following items on my credi report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (WA)

Supposed to receive XXXXXXXX XXXX annuity payments from XXXX while in XXXX person working for State of Washington States my birth name on my birth certificate was an alias then XXXX all my XXXX XXXX XXXX XXXX, every thing in recent documents I have recently obtained dated back to XXXX XXXX one after on XXXX XXXX letter from XXXX XXXX stating that did not qualify for any state pay out or XXXX XXXX due to Citizenship, property, resources, income, now he used 6 variations of spelling of my name sent in as credit reports then used against me, stating owed XXXX XXXX all XXXX contacted all XXXX credit reporting agents except all the names dont have work history Identification social security XXXX, or monthly income they don't except that I have to verify there Identity, its impossible they dont exist, received notification from the XXXX XXXX XXXX XXXX XXXX XXXX if I accessed my Account from Virginia, was receiving payment from XXXX XXXX XXXX on XX/XX/year> no longer any payment have not been payed in 17 months have to go through XXXX XXXX they say in XXXXXXXX XXXX, recently looking in to matter XXXX is located in XXXX my card come from XXXX XXXXXXXX XXXX with same bank route number as my so called client Id with the State of Washington.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.