davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
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. (TX)

Dear Credit Reporting Agency, I am writing to request the correction of an error on my credit report regarding my student loan account with the U.S. Department of Education. The account has been fully paid off for several years, yet late payment marks continue to appear on my credit report, which is adversely affecting my credit score. 

I request that these erroneous late payment marks be removed from my credit report immediately. The loan was paid off in full, and there have been no late payments on this account since its payoff. This information should be accurately reflected in my credit report with the major credit bureaus ( XXXX, Experian, and XXXX ). 

I kindly request that you investigate this matter and provide written confirmation that the late payment marks have been removed from my credit report. Furthermore, please ensure that the updated information is promptly reported to all three major credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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
Consumer complaint received 2024-08-25
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. (TX)

XX/XX/year> I have been trying to dispute wrong information on my credit report from XXXX XXXX services for a long time company has not sent me any proof that this account belongs to me. And I do not recognize it. All this has brought problems to my life by not being able to use my credit in other places. 

Their is written down below Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2024-07-30
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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I would like to follow up in regrads of the multiple attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. Provide written confirmation once the fraudulent items have been successfully removed. Investigate the source of these fraudulent entries to prevent similar incidents in the future.Therefore, I expect a swift and diligent investigation into this matter. I am asking for your help to remove these fraudulent items in my credit file :XX/XX/XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX ;XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX ; XX/XX/XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-08
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: Experian Information Solutions Inc. (GA)

inquiries on my credit report that I believe are a result of a data breach. I've reviewed my report and identified several inquiries that do not belong to me. I'm concerned that these unauthorized inquiries may be negatively affecting my credit score.

I understand that data breaches can lead to fraudulent activity, and I'm worried that these inquiries may be related to identity theft. I'd like to request that my credit reports are investigated and remove these unknown inquiries from my report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the XXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

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

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Subject : Request for Investigation and Removal of Inaccurate Credit Report Information Dear Sir/Madam , I am writing to formally dispute and request the removal of inaccurate information reported on my credit file by X1 / XXXX XXXX XXXX The information in question is adversely affecting my credit score and does not accurately reflect my credit history. 
For over four months, X1 / XXXX XXXX has been inaccurately reporting that my account is 30 days past due. This is not true and is a violation of the Fair Credit Reporting Act ( FCRA ). My payment due date is the XXXX of every month. However, if I do not make the payment by the XXXX and the date reaches the XXXX or XXXX, X1 / XXXX XXXX automatically reports my account as 30 days past due. This is against the FCRA, which stipulates that an account should be reported as 30 days past due only if it is indeed 30 days past due. For instance, for my account to be accurately reported as 30 days past due, it should be XX/XX/XXXX or XX/XX/XXXX. 
They reported a no payment on XX/XX/year> which is not true They reported also 30 days late for XX/XX/year> ( which is also not true, because Im not yet 30 days late my payment date is on the XXXX but they reported as 30 days past on XX/XX/XXXX and XX/XX/XXXX to all 3 bureaus ) technically I should be 30 days late by XX/XX/XXXX or XXXX. 
And they been reporting like that since more than 4 months now false information on my credit profile. 
This erroneous reporting is severely damaging my credit score. It is essential to highlight that under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information included in consumer credit reports. The continuous inaccurate reporting by X1 / XXXX XXXX not only violates the FCRA but also causes undue harm to my creditworthiness. 
I have attached copies of the following documents to support my claim : List of documents such as payment records like Bank Statement ( for XX/XX/year> ) CFPB complaint ( which has been transferred to The Federal Reserve Board ) Screenshots from XXXX App My ID to confirm my identity. 
In light of the above, I request that you investigate this matter, verify the information ask X1 / XXXX XXXX what my payment date is? which is the XXXX so you will understand that they always report false information on my credit profile, and subsequently remove the inaccurate delinquency from my credit report. This correction will help in ensuring that my credit report reflects accurate and fair information. 
Another complaint has been sent to XXXX XXXX XXXX Maryland Attorney General. 
I would appreciate a prompt resolution to this issue and look forward to your response confirming that the necessary corrections have been made. 

Thank you for your attention to this urgent matter. 
Sincerely,
Consumer complaint received 2024-07-30
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. (NJ)

To Whom It May Concern, Subject : Identity Theft and Unauthorized Credit Reporting by XXXX XXXX I am writing to formally report an incident of identity theft involving XXXX XXXX. This company has reported negative items to my credit report without my written consent, constituting identity theft under 15 USC 1681b ( 2 ). The details of the unauthorized credit reporting are as follows : XXXX XXXX Account Number : XXXX Discrepancies : Balance inconsistencies, high credit limit not reported correctly, and lack of 1099-C form for the charge-off. 
XXXX XXXX provided my personal information to credit reporting agencies without obtaining my explicit written permission. As a result, my credit report now contains charge-off negative items that do not belong to me. This unauthorized sharing of my personal information has significantly impacted my credit score and caused undue stress and inconvenience. 

According to 15 USC 1681b ( 2 ), any entity must obtain written consent from an individual before furnishing their information to credit reporting agencies. In this case, my identity was stolen, and these negative items were added to my credit report without my consent, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, according to 15 USC 1681s-2 ( a ) ( 7 ), creditors are required to issue a Form 1099-C for any canceled debt. The lack of a 1099-C form for the charge-off accounts listed above indicates that the debts may not be valid, and therefore, the information should not be reported on my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Additionally, under 15 USC 1681b ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer, which I have never provided. This unauthorized access to my credit report constitutes a violation of my rights. Furthermore, 15 USC 1692 and 18 USC 1028A outline the regulations against identity theft and unauthorized disclosures, emphasizing the severity of these inaccuracies. 

I kindly request the following actions be taken : Removal of all fraudulent and negative items from my credit report that were reported by XXXX XXXX. 
Notification to all relevant credit reporting agencies, including XXXX, XXXX, and Equifax, about the identity theft and unauthorized reporting, ensuring my credit report is corrected and restored. 
I have attached copies of my identity theft report, my FTC Identity Theft Affidavit, and any other relevant documentation to support my claim. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution to restore my credit
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the XXXX XXXX XXXX  and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

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

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

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft. These accounts are a result of this crime. These fraudulent accounts, inquiries and addresses need to be blocked and removed. I have no knowledge of these accounts, inquires and addresses. XXXX XXXX XXXX Accounts : XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$31000.00} XXXXXX/XX/XXXXXXXX {$3600.00} XXXXXX/XX/XXXX XXXX {$1000.00} XX/XX/XXXXXXXX {$950.00} Inquiries : XX/XX/XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX
Consumer complaint received 2024-07-30
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. This Account is in violation of 15 U.S. code 1681A ( XXXX ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my follow up complaint regarding the unresolved fraudulent items on my credit report. Despite multiple efforts and providing all necessary documentation, the items remain on my credit report, causing significant financial and personal distress. In spite of my continuous efforts and compliance with all procedures, the fraudulent items have not been removed from my credit report. This ongoing issue has severely impacted my credit score and overall financial stability. I am requesting asking for your help to immediate assistance to : Investigate my complaint thoroughly and ensure the removal of all fraudulent items from my credit report. I appreciate your attention to this urgent matter and look forward to your prompt response. Kindly help me remove the following items immediately : 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 XXXXXX/XX/XXXX.