davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-07-06
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. (CA)

Dear CFPB : I am in disagreement with the closure of the claims I submitted against XXXX, XXXX and Experian regarding XXXX very inaccurate outdated accounts under my social security number and credit report. I mailed nearly XXXX letters of investigation requests and the credit bureaus are not doing what is requested. I will re-attach dispute letters that I have sent along with the screenshot of a specific account that is completely in violation. This account is reporting passed the statute of limitations yet is constantly being re-aged to reset the statute of limitations on when it will come off of my report. None of the dates are accurate across these XXXX credit bureaus. I would like to exercise 15 U.S. Code 1681i ( XXXX ). 

XXXX XXXX XXXX- This account is completely inaccurate and violates the FCRA XXXX Code XXXX ( XXXX ) b Accuracy of report. This account has the date of last payment listed under XXXX different years ( XXXX and XXXX ). Updating this account with misinformation is against the law. This entire account was never validated and it still reads " account not disputed ''. Failure to enter that this count is in dispute is a major violation. 

XXXX XXXX  - This account has late payments listed everywhere and erroneously XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This company can not provide proof of such late payments. How are there XXXX late payments under XXXX, XXXX late payments under Experian and XXXX late payments under XXXX? This is entirely inaccurate, unfair and unverified and violates XXXX which is a clear error in the timing of payments. 

Ability Recovery - This account violates the XXXX XXXX or would if the credit bureaus could even retrieve validation of this account that I have requested under XXXX XXXX XXXX. Since medical information can not be shared without one 's consent, validation has never been provided as requested. How does this account belong to me? Where is the original contract or bill of this account? It can not be proven as mine AND there is no notice that this account is in dispute which also is a violation of XXXX ( XXXX ).
Consumer complaint received 2024-07-06
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. (NY)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-20
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. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-07-06
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)

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 Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I ordered a product from merchant XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX via XXXX. After a few weeks the merchant sent an email saying they were moving their warehouse and orders would take longer. I waited a few more weeks and made XXXX monthly payments to XXXX. The merchant never sent it the order. I tried following up with them numerous times via website, email, and instagram but never received a response. I filed a complaint with XXXX but they said it was out of the time they give for refunds for such situations. I stopped paying the loan. On XX/XX/XXXX the merchant resumed posting on instagram. I sent a message about my order. They said they initially tried to cancel the order with XXXX but for some reason it didn't go through and that they would contact XXXX and try to remedy the problem. On XX/XX/XXXX XXXX corrected the loan in my account with a letter stating that I was never responsible for the loan and refunded my XXXX payments. Experian still shows me as having this loan as and that I still owe a balance. I disputed it multiple times but they say XXXX 's records show the information as correct. I complained to XXXX and they claim that because the loan was charged off they can not make any changes to the information. So even though according to XXXX  's own records and the letter they sent to me which I submitted to Experian, I DO NOT OWE this money and was NEVER RESPONSIBLE for it because it was supposed to be canceled, Experian refuses to remove it or at least correct the amount owed to {$0.00}.
Consumer complaint received 2024-07-06
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. (PA)

This account was charged off on the following date - XX/XX/year>. Since then, the account has repeatedly been updated as paid/late every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-07-06
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 just recently looked at my credit report on XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. Experian XXXX - XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2024-07-06
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. (IN)

1. On XX/XX/XXXX I sent XXXX a letter opting out of reporting. Its been over a month and they are still reporting. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2. Family Educational Rights and Privacy Act ( FERPA ) of 1974. As a federally protected individual under this act, I am entitled to the privacy and confidentiality of my educational records. XXXX continued to violate me by disclosing information without my explicit written consent, in accordance with the provisions outlined in FERPA.. FERPA can be found in 20 usc 1232G and codified in 34 cfr 99. 

3. By XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information by federal agencies, including educational institutions like XXXX. 

4. Please refer to the letter attached for more laws and violations.
Consumer complaint received 2024-07-06
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)

Per code USC 1681c-2 A consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone.
Consumer complaint received 2023-03-12
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. (GA)

The reporting agencies has failed to investigate after providing evidence that are revolving around the accounts and stated that their results for completed thus closing the case. he agencies reported inaccurate information refusing to remove, update, and validate all disputes. Arbitration was filed and that was also ignored. These organizations have refused to reinvestigate any disputes after allowing business organizations to cause significant damage upon my financial report. I sent a letter to the reporting agencies and they refused to respond thus responding 60 days later requesting for the same document they have requested for five years.

They have ignored all correspondence and have provided false, misleading information, misrepresentation, willful negligence intentional tort, violating numerous rights that protect me as a consumer.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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

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

I demand the late payment reported to be removed/updated.

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.

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!
Consumer complaint received 2024-09-19
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)

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 XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : World Acceptance # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section A. States I have the right to privacy.

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

XXXX sure my payments are always on time, so its confusing that XXXX marked late for certain months. According to XXXX XXXX, any mistakes should be fixed, and the record should say " paid as agreed. ''
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

On XX/XX/XXXX at XXXX, I received an email from American Education Services XXXX ( " AES '' ) stating the following : " We received your application for an Income-Based Repayment ( IBR ) plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. 
To have your monthly payment amount based on your income and family size, you need to recertify your information annually. If your payment amount already increased or to prevent it from increasing, please visit StudentLoans.gov immediately to reapply. '' I am very confused by this email, as I have already submitted, on multiple times, my IBR, once already through the StudentLoans.gov site, and once directly to AES, and I already received an approval letter for renewal of my IBR from AES dated, XX/XX/XXXX, which advised that I am to pay from the period of XX/XX/XXXX - XX/XX/XXXX, {$390.00}. I have a copy of said letter and will attach to this correspondence. Due to economic reasons, I had to request an economic deferment of my payments from XX/XX/XXXX - XX/XX/XXXX, which was granted by AES, again communicated in a letter dated XX/XX/XXXX, which advised that my temporary forbearance was granted until XX/XX/XXXX. A copy of this letter is also included. 

So as you can see, I am confused as to why AES is now advising that my IBR request has expired and now I am in fear that my Income Based Repayment Plan will be extinguished through the negligence of AES. I fully expect that I receive a retraction letter from AES of the XX/XX/XXXX message in the email, and confirmation that my IBR plan IS in place, and that I HAVE the forbearance of my current IBR payment of {$390.00} until after XX/XX/XXXX.