davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am filing this complaint against XXXX XXXX and the credit reporting agencies XXXX, Equifax, and XXXX. XXXX XXXX has failed to provide the IRS Form 1099-C as requested for both of my accounts, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, they have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines XXXX However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of Forms 1099-C for debts associated with my accounts XXXX & XXXX which has been reported as " charged off. '' According to IRS Publication 453, a charge-off is recognized as a taxable event that should result in the issuance of a Form 1099-C to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide Form 1099-C : The creditor has not provided the required Form 1099-C, which is necessary for me to accurately report any canceled debt income to the IRS. 

Improper Monthly Reporting of Charge-Off : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ).

Income Reporting Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
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: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights XXXX 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-22
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. (TX)

I am writing to dispute the inaccurate late payment remarks that continue to appear on my credit report. Despite previous disputes and the account being verified and updated, the errors remain unresolved. The presence of these inaccurate late payment remarks is negatively affecting my creditworthiness. 

This ongoing error needs to be corrected immediately to reflect the accurate payment history. As mandated by the Fair Credit Reporting Act, it is your responsibility to ensure that all information reported is accurate.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide XXXX XXXX : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.
Consumer complaint received 2024-09-11
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-11
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. (MD)

I'm writing to communicate my anxiety 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have diligently communicated the disputed nature of this alleged debt to each of the three major credit bureaus : XXXX, XXXX, and Experian. These communications were sent via certified mail, providing detailed information about the lack of validity of the debt claim, including : 1. Copies of my correspondence with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
2. Documentation showing their failure to produce a valid contract with my signature.

3. Evidence of the creditors ' acknowledgment that no such contract exists.

4. My consistent assertion that I did not apply for or authorize this debt.

Despite providing this comprehensive information, XXXX, XXXX, and Experian have refused to remove the disputed entry from my credit reports. This refusal persists even though I have clearly demonstrated that the alleged debt lacks proper verification and legal standing. 

The credit bureaus ' failure to act on this information is in direct contradiction to their obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. Given the evidence I have provided, a reasonable investigation should conclude that this alleged debt is not verifiable and should be removed from my credit reports. 

The continued reporting of this unverified debt by XXXX, XXXX, and Experian is causing undue harm to my credit standing and financial reputation. Their inaction in the face of clear evidence demonstrates a disregard for the accuracy and fairness principles that underpin the credit reporting system and are in violation of FCRA 605 ( b ) ( U.S.C. 1681c-2 ), Requires removal of each item from my credit report within four days of this complaint submitted.

I have fulfilled my responsibility as a consumer by promptly and thoroughly disputing this inaccurate information. The credit bureaus ' failure to appropriately respond to and act on this dispute raises serious concerns about their commitment to maintaining accurate credit reports and protecting consumers ' rights.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX A XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( 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. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
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. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for reference
Consumer complaint received 2024-08-22
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. (FL)

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-30
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)

in accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 

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
Consumer complaint received 2024-09-30
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. (FL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.