davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against Experian for their refusal to provide any proof of debt validation and failure to remove old, incorrect accounts from my credit report. These ongoing issues have significantly impacted my credit score and caused undue stress and financial hardship. 

Despite numerous requests, Experian has not provided any evidence to validate certain debts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and to request validation of the debts in question. However, Experian has repeatedly failed to fulfill this obligation. 

In addition to their failure to validate debts, Experian has also refused to remove outdated and incorrect accounts from my report. These accounts are not only inaccurately reported but are also beyond the statute of limitations, yet they continue to negatively impact my credit score. Despite providing Experian with documentation proving these inaccuracies, they have taken no corrective action. 

As a result of Experians negligence and lack of compliance with federal regulations, my Experian credit score is currently XXXX points lower than the scores reported by the other two major credit bureaus, XXXX and XXXX. This discrepancy is unjustifiable and has severely limited my ability to obtain credit at fair terms. 

I am requesting the CFPB to take immediate action to investigate Experians practices, ensure compliance with the FCRA, and enforce the removal of inaccurate and unverified information from my credit report. I also urge the CFPB to hold Experian accountable for their failure to provide adequate responses to my disputes and to prevent further harm to consumers like myself. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-09-12
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-12
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-09-29
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)

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (AZ)

I was charged {$97.00} from bright money yesterday. I reached out to my bank and disputed this transaction. When I reached out to the company, Bright Money, today after I was charged an additional {$10.00}, I was informed this was a membership charge. I NEVER SIGNED UP FOR THIS. I informed bright money I needed refunds in these transactions, because it is my bill money, and was informed they couldnt do that. I reached back out to my bank and filed a second dispute. I need a resolution to this problem. I did not make these transactions.
Consumer complaint received 2024-09-12
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)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-11
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for 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 have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-26
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 received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$0.00}. According to 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 XXXXXXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear XXXX XXXX XXXX XXXX, I am writing to formally request the removal of inaccurate late payment entries from my credit report for my closed credit card account, ending in XXXX. This account was closed on XX/XX/XXXX, according to the XXXX XXXX representative I spoke with today. However, the account closure date is being inaccurately reported to the credit bureaus, which is affecting my credit score. 

The discrepancies I have identified are as follows : TransUnion is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 
XXXX is reporting the account closed on XX/XX/XXXX. 

These inconsistencies are negatively impacting my credit report, and under the Fair Credit Reporting Act ( FCRA ), Section 605B, it is illegal to report false or inaccurate information to the credit bureaus. I kindly request that XXXX XXXX XXXX XXXX correct these errors and remove the reported late payments from my credit history, as they are inaccurate and unfairly damaging my credit score. 

Please provide written confirmation of the corrections made and notify the credit bureaus of these changes. I would appreciate your prompt attention to this matter, as it is crucial for maintaining an accurate credit profile. 

Thank you for your time and assistance.
Consumer complaint received 2024-08-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERICAN INTERNET MORTGAGE (MN)

XX/XX/year> - I contacted Aimloan servicing through their online messaging to ask about an escrow waiver. 

XX/XX/year> - Aimloan responded via the online messaging saying they can waive escrow, but required a " cancellation fee equal to .25 % of the original loan amount '' saying it's the " same amount that closing costs were reduced by as an incentive to establish and maintain an escrow account ''. I responded asking them to move forward with the process to get more information as I couldn't find anywhere in my Truth In Lending Disclosure, HUD - Settlement Statement, Discount Verification form, Fee Details, or MN Notice of Right to Discontinue Escrow statement that I had paid any 'incentive fee ', 'discount ', or that I would be charged a 'cancellation fee '. 

XX/XX/year> - I received a letter in the mail from Aimloan with further instruction on where to send the cancellation fee to waive escrow. 

I have reviewed my documentation further and feel they were deceptive, unfair, and misleading on the above documentation for not clearly stating the terms of my escrow account and attempting to charge 'fees ' that were not disclosed in order to discontinue escrow. Based on everything I reviewed above, when I signed for my mortgage I was under the impression that it was my right to discontinue escrow in the state of XXXX  free of charge at any time.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with EXPERIAN 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 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.

EXPERIAN 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Start form XXXX XXXX to XXXX, I had wire to Coinbase account in City Of XXXX XXXX, XXXX  XXXX. To invest in XXXX. With total of {$120000.00} I used the XXXX XXXX  to wired {$120000.00} to Coinbase , Inc. After I wired them in to the Coinbase account and I have to transfer it to Coinbase wallet, from here the scammer withdrawal my fund. The scammer who is locate in the Coinbase wallet, keep directed me around with all these fault information, After I want to withdrawal my fund. They asked the pay for capital gain tax too. I was confused, because this amount is all my principle, I don't make profit yet. They keep push the send more money in. I have to put my business for loan, my house, my credit all in it. Finally, I can not withdrawal my fund either. After that they shup off the website. 
At that same time XXXX XXXX  sold the business to XXXX XXXX  taken over. 
The Scammer also asked me to use other bank account to wired the fund in to. With their direction, I was open other account with XXXX XXXX, and wire in ton them with total amount is {$20000.00}. 
The total is {$140000.00} to Coinbase , Inc . The Coinbase wallet let the scammer taken all my fund. 
I contact these banks to inquiry to return all my wired, they keep came back " Nothing they couldn't do to return my wired. The beneficiary bank wouldn't reply and said that these are closed. '' I were thinking without the XXXX XXXX, XXXX XXXX  and Coinbase , Inc . I should all my life saving fund. The situation I am in now financial hardship. 
I do believe in the bank system and Coinbase , Inc to protect their customers ( me, ). 
They do have the licenses to operation the business and should protect their customer NOT PROTECT the scammer. 

I request the Banks And Coinbase, Inc solve the situation for me as soon as possible. 
These Banks and Coinbase , Inc should knew where the scammer are. 

Sincerely XXXX XXXX
Consumer complaint received 2024-08-26
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. (IL)

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit and purchase a home for me and my family.
Consumer complaint received 2024-02-19
Product: Credit 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: FIFTH THIRD FINANCIAL CORPORATION (IN)

I booked a Hotel Room in XXXX XXXX Florida at a XXXX XXXX. I did not realize that I booked through XXXX and my receipt showed a higher rate than quoted plus fees. I called immediately and cancelled the room. They said they would work on the refund and several days later denied the refund for {$180.00}. I did not stay in the room. 

My Credit Card Company Fifth Third Bank XXXX refuses to return my payment.