davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (GA)

I am submitting a formal complaint against Equifax for failing to respond to two certified dispute letters regarding unauthorized inquiries and incorrect personal information on my credit report. Both letters were sent via certified mail and received by Equifax on the following dates : First Letter : Tracking number XXXX, received by Equifax on XX/XX/year>. 
Second Letter : Tracking number XXXX, received by Equifax on XX/XX/year>. 
Despite receiving both letters, Equifax has not responded or taken any corrective action. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate and correct inaccuracies within 30 days. Additionally, their inaction may be considered a violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531. 

I will be uploading the proof of certified mail and delivery to support this complaint. I request the CFPB 's intervention to ensure Equifax complies with its legal obligations and corrects these errors immediately.
Consumer complaint received 2024-09-07
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. (TX)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (IL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax XXXX XXXX and XXXX Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (KY)

Mishandled loans and information surrounding how to pay back or apply for assistance or a pause in payments so my intrest would not keep occurring. My student loans were originally with XXXX XXXX, then sold to XXXX, the part of them were sold to Aidvantage and now the other loans are with XXXX. 
They have not contacted me as of today.
Consumer complaint received 2024-09-07
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. (NC)

I have never had any dealings with this property and am not responsible for any debts, leases, or other obligations associated with it. This incident has caused significant distress, and I am taking steps to rectify the situation, including disputing the fraudulent account with the relevant parties and credit bureaus.I request that this fraudulent lease be thoroughly investigated and that any records or credit reports related to this incident be corrected immediately. 
( Account number for XXXX is, XXXX XXXX XXXX XXXX ) ( Accout number for Experian XXXX, XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (GA)

Frontier Airlines XXXX Sponsored Credit Card issuer Barclays assigned " MyFrontier XXXX '' for XXXX XXXX. Whereas Frontier Airlines assigned " MyFrontier Members No : XXXX '' for XXXX XXXX. 

Due to having different member numbers, XXXX XXXX has not been able to have reward miles points of 20257 ( or so ) transferred from the Credit Card to Frontier Airlines account for use to get reward miles tickets to fly. 

Repeated contact was made with Barclays, credit issuer and Frontier Airlines to have this simple matter corrected. They both pointed out to each and took NO corrective answers. Barclays gave the same " pre-formed '' response every times. 

XXXX XXXX ( cc : ending XXXX ) and XXXX XXXX ( cc : ending XXXX ) ( W/H ) are holders of the credit card account.
Consumer complaint received 2024-09-07
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. (MI)

On XX/XX/XXXX, while reviewing my credit report, I noticed several inaccuracies. As stipulated by the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. However, the following accounts on my report are neither complete nor accurate. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I'd like to point out that under 15 USC 1681s-2 , it is prohibited for any person to furnish information to a consumer reporting agency if they know or deliberately avoid knowing that the information is inaccurate. 

Please see the attached documents for further details.
Consumer complaint received 2024-09-27
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)

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

Please investigate my below disputes and actually this time have the credit bureaus and collection agencies to respond to my dispute requests. Documentation is attached. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
Consumer complaint received 2024-09-07
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. (NC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 2024-09-07
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-07
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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
Consumer complaint received 2024-09-07
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 Bureaus, 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 XXXX  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 XXXX XXXX.
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-08-06
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX  XXXX.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ACIMA CREDIT, LLC (GA)

I am writing to request your assistance in verifying the charged-off status of an account listed on my credit report. I recently discovered that this account is reported as charged off, and I believe it is essential to validate this status by ensuring the creditor has complied with the required tax reporting obligations. As per the Internal Revenue Service ( IRS ) guidelines, when a creditor charges off an account, they are obligated to file the appropriate tax forms, such as Form 1099-C ( Cancellation of Debt ), with the IRS. These tax forms provide evidence that the debt has been canceled and allow for the proper reporting of the canceled debt for tax purposes. I kindly request that you investigate whether the creditor in question has fulfilled their tax reporting obligations by submitting the necessary tax forms to the IRS for the year in which the debt was canceled. The submission of these tax forms serves as crucial evidence to support the charged-off status of the account. If it is found that the creditor has not fulfilled their tax reporting obligations or if they are unable to provide evidence of the filed tax forms, it raises significant concerns regarding the accuracy and validity of the charged-off status of this account. In such a case, I request that you take appropriate action to remove the charged-off status from my credit report. I would appreciate your timely attention to this matter. Once your investigation is complete, I kindly request a written response detailing the outcome and any actions taken. It is important for me to have an accurate credit report that reflects my financial standing accurately and in compliance with all relevant regulations. Thank you for your prompt assistance and commitment to resolving this matter. Should you require any additional information or documentation, please do not hesitate to contact me. I look forward to your favorable response. Account number : XXXX
Consumer complaint received 2024-09-07
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)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

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

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

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

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I am writing to formally report that a XXXX  Line of Credit account with account number XXXX was fraudulently opened in my name, and I have been a victim of unauthorized charges associated with this account. On XX/XX/year>, I became aware of this fraudulent activity when a collections account from XXXX XXXX XXXX appeared on my credit report. 

I unequivocally state that I did not open this account nor authorize any charges associated with it. I did not receive any communication via email, phone, or mail regarding the opening of this account or the associated charges. The first notification I received was when the collection account was reported on my credit report. 

Furthermore, I have been a victim of previous data breaches, including those from XXXX and XXXX, which I believe may have contributed to the unauthorized use of my personal information. 

I am requesting that you immediately investigate this matter and take the necessary steps to remove this fraudulent account and any related collections activity from my credit report. Please provide me with any information you have regarding the opening of this account and the associated charges. I am attaching my FTC Identity Theft Affidavit and a police report for your records.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My credit score was lowered by XXXX which supplies information to Bank of America. The reason was too many open accounts. I am XXXX  and only owe what is currently on my credit cards. The accounts total that are open has a XXXX balance which I paid off in full and another account with XXXX balance which XXXX of it has a XXXX interest promotional component for a year. My score went down with XXXX open credit card accounts. XXXX had balances nowhere near my limit. If you have XXXX accounts open with around XXXX balance out of XXXX in credit and never failed to pay on time how can XXXX downgrade my credit?
Consumer complaint received 2024-09-07
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. (FL)

The following investigations were done by all 3 bureaus and only XXXX has removed the specified accounts. All of these accounts are still listed with XXXX XXXX Experian, if XXXX has removed them all why do these 2 bureaus still have them listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Including all inquiries that have been disputed as well