davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Date : XX/XX/XXXX To : XXXX Equifax XXXX Subject : Request for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to address serious inaccuracies in my credit report related to the XXXX XXXX  account. Your failure to maintain accurate records is a violation of the Fair Credit Reporting Act ( FCRA ), and I demand the immediate removal of this account from my credit reports. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX ( last four digits ) Discrepancies : Date Opened : XXXX : XX/XX/XXXX XXXX & Equifax : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Number of Months ( Terms ) : XXXX & XXXX : 48 months Equifax : 0 months Inaccuracy : Violates FCRA 602 ( a ). 

Last Reported Date : XXXX & XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Inaccuracy : Violates FCRA 609 ( e ). 

Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Inaccuracy : Violates FCRA 607 ( b ). 

Payment History : Equifax : Gaps in payment history violate FCRA 607 ( b ). 

Demand for Action : I expect the immediate removal of the XXXX XXXX  account from my credit reports. Attached is a copy of my credit report, highlighting these discrepancies. 

If these issues are not resolved promptly, I will consider legal action against all three bureaus, seeking {$1000.00} per violation of the FCRA. The case XXXX XXXX XXXX, XXXX serves as a precedent for my claims. 

I hope for a swift resolution to this matter. Please confirm the removal within 14 days. Failure to comply will leave me no choice but to escalate this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2024-10-31
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 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-31
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. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-01
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)

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 2024-10-31
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)

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Correction of Inaccurate Credit Reporting Account No. XXXX To Whom It May Concern, I am writing to address the results of your recent investigation regarding the charged-off account XXXX ( Account No. XXXX ). The findings you provided only reaffirm the inaccuracies that I previously disputed. Specifically, the account continues to be reported with erroneous updates on a monthly basis, which is both misleading and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported is accurate and to investigate disputes thoroughly. Your failure to address this ongoing issue constitutes a violation of my rights as a consumer.

I demand that you take immediate corrective action to remove this inaccurately reported charged-off account from my credit report. If this issue is not resolved within the next 30 days, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau and consider legal action for damages caused by your negligence.

Please provide written confirmation of your actions to rectify this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/year> I reached out to XXXX, Equifax, and XXXX to get inaccurate personal information removed from my credit report. I also sent out a letter on XX/XX/year> to all 3 credit reporting bureaus to removed the inaccurate personal information as well. I advised them that my one and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. All other address should be removed.
Consumer complaint received 2024-10-31
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 like to request the removal of this unlawful hard credit inquiry from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiry. This is a list of the unauthorized inquiry. 
XXXX XXXX XX/XX/year>
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I get a credit report every 4 months from one of the 3 major credit reporting companies in rotation. I try to use XXXX, but almost never succeed. Nearly every time I get the message that " We're sorry A condition exists that prevents ... from being able to accept your request at this time. 

To obtain your ... annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX ''. 

There is no other information provided about the what the " condition '' is. Trying it multiple times always results in the same message. I've used the website " Contact Us '' function on several occasions, but have never once received a reply even though I'm required to provide my full name and contact information. 

This is supposed to be the easy and official way to request these reports, but it's a big hassle. I would be better served if the government and the credit reporting companies didn't even pretend that they want to make it easy to obtain my free credit reports.
Consumer complaint received 2024-09-30
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries To Whom It May Concern I am writing to formally dispute several hard inquiries that appear on my credit report from Equifax. I did not authorize the following inquiries : XXXX. XXXX XXXX XXXX Date : [ XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : [ XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : [ XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Under the fair Credit Reporting Act [ FCRA ], Section 604, companies are required to have my explicit consent to make hard inquiries on my credit report. I have never provided such authorization to the above-mentioned companies, and I believe these inquiries were made without my permission. As such, they are in violation of my right under the FCRA.

I kindly request that Equifax : 1. Investigate and verify the legitimacy of these inquiries.

2. Remove any unauthorized or fraudulent inquiries from my credit report.

3. Provide a written confirmation that the investigation has been completed and that the inquiries have been removed. 
If you do not resolve this matter within 30 day, I will consider further actions, including filling a complaint with the Consumer Financial Protection Bureau [ CFPB ], the Federal Trade Commission [ FTC ], or seeking legal remedies under the FCRA. 
I have enclosed copies of my credit report, along with my identification, to assist with your investigation. Please consider this a formal notice, and I expect a timely response in accordance with FCRA guidelines. 
Thank you for your prompt attention to this matter : Sincerely : XXXX XXXX
Consumer complaint received 2024-10-31
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. (MS)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (CA)

I have asked that Comenity ( XXXX ) remove this account from my credit reports. The last payment was made on XX/XX/XXXX thus becoming delinquent on XX/XX/XXXX. The account was not charged off until XX/XX/XXXX however it must be removed after 7 years from date of delinquency. I have submitted to have this removed 3 times since XX/XX/XXXX. I am attaching the last paid statement from Commenity showing this. This document was given to the debt buyer showing this last payment as well. Name on account was under my former name of XXXX XXXX.
Consumer complaint received 2019-12-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

I recently went on XXXX to check my credit and saw that there was a derogatory account listed. I was surprised and looked into it and saw that it was put there by a collection agency operating out of Texas called Aldous and Associates, with an address of XXXX XXXX XXXX, XXXX, UT, XXXX and telephone number XXXX I called up the company to find out what was going on, at which point XXXX the agent, was very rude and only interested in a payment. He told me that they would continue to put the derogatory payment on my account unless I paid the {$100.00} owing. I tried to explain to him that the debt was not valid and moreover, the Fair Trading Practices Act clearly states that a debt collector must send a consumer a written notice containing certain enumerated information about the debt and state that I have 30 days after receipt of such notice to dispute the validity of the debt or any portion thereof. No such letter was sent out to me and so I had no idea about this so called debt, so I was not able to validate the debt, which is ruining my credit. He hang on the phone on me because I told him that I was not going to pay the so called debt. This failure on their part violates my rights afforded by the statue and also the fair debt collection practices act.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (CT)

On XX/XX/year> I became aware that IQ, Int'l, Inc filed a invalid debt on my credit reports.I called the company and soke with XXXX XXXX who transferred the call to XXXX XXXX when I asked for an invoice or bill and copy of the contract between IQ, Int'l and XXXX XXXX. XXXX XXXX said " NO. Pay your bill. '' I asked, again, for the verification of a debt or contract between us. XXXX told me to write and mail a letter making the request. I chose not to do that at my time and expense when a phone call is enough to prove that XXXX XXXX and IQ Int'l hae not made any contracts that resulted in a debt owed IQ, Int'l, Inc from XXXX XXXX XXXX 

I want the lies by IQ, Int'l, Inc removed from all the credit reporting agencies and I want a government lawsuit for Extortion filed against IQ, Int'l, Inc. as they are demanding money from XXXX XXXX under the threat that unless she pays them without any contract or knowledge of the debt they have assigned to her credit reports, she suffers bad credit.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. 


XXXX
Consumer complaint received 2024-10-31
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. (CO)

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 2024-09-30
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. (NY)

Hi my name is XXXX XXXX, I 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 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-31
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 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My loan # XXXX with XXXX was paid in full on XX/XX/2019, and the account closed. 

For an unknown reason, XXXX continues to report me as delinquent on my account. They are destroying my credit and they wont fix it. When I call they tell me theyll fix it, then the next week they report me as delinquent again. The company and customer service will not actually fix it. They are destroying my credit when my loan is paid in full and closed. Please help!!
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.