davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-06-05
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I don't recognize these queries 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 XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I don't recognize these late payment, I paid it before was closed XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 XXXXncorrectPersonalEmployers XXXX XXXX XXXX IncorrectPersonalEmployers XXXXXXXX XXXX XXXXXXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect addresses XXXXXXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXXXXXX - Incorrect Address XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Name
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (LA)

I received a letter from US Bank Relicard Cardholder Services in XX/XX/XXXX stating that they had conducted a review of my account and they needed additional information to verify my identity and if I didn't provide the information my card would be closed and the remaining balance would be returned to the appropriate agency, assuming this was the XXXX  XXXX XXXX. At the time I had received unemployment benefits and lost my card and did not access all of my benefits. I called US Bank upon receiving the letter and provided the necessary information needed. I was told that there was a $ XXXX balance and I would be receiving a new card in 7-10 business days. I never received that card after weeks of waiting. I called then again in XX/XX/XXXX and was told I would receive a card. After waiting for several more weeks without receiving a card, I called then again in XX/XX/XXXX. I was told I would receive a card in 7-10 business days. Throughout this whole process, I received one card ( XX/XX/XXXX ) days after my last call, which I thought was strange because I had just spoken with someone only days before that, but when I activated the card, to my dismay, I learned that there was a XXXX balance on the card. So, I called US Bank again on XX/XX/XXXX, to inquire about the XXXX balance to only be told I need to call the unemployment agency in my state to inquire about the funds. So, I decided to file this complaint after speaking with the agent because I responded to the letter I received from US Bank to handle to matter so I could get the much needed money and it is now 4 months later and nothing has been done.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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

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

I demand the late payment reported 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. 


XXXX XXXX XXXX XXXX  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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (AL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (NY)

I am XXXX XXXX, and I wish to clarify that this message is being sent independently and not on behalf of any third party. Recently, I conducted an examination of my credit report, which caused significant distress upon discovering unverifiable, invalidated, inaccurate, and questionable entries. Your agency, tasked with ensuring the accuracy of consumer reports, has not fulfilled its obligation to ensure that the reported information is entirely accurate. 

In accordance with 15 U.S. Code 1681e ( b ), consumer reporting agencies are mandated to implement reasonable procedures to guarantee the utmost accuracy of information pertaining to individuals in the consumer reports they generate. 


As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts and items listed in my dispute letters attached. Thank you!
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-19
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 address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 


XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX 100 % permanent and totally XXXX veteran like this? I had to retire in 2017 due to my XXXX. I still managed to continue to pay ON TIME until I ran out of possibilities in 2019. They charged my accounts off in 2020. They are reporting charge off in 2021, that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a HELOC. the reason? Recent charge offs. I haven't been late on a single bill for over 4 years. I have no recent charge offs and XXXX XXXX has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in 2020. its there, but doesn't show as recent, which is accurate. XXXX XXXX is purposely damaging my credit, why? To make me suffer more for going thru a hard time.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$24000.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-13
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. (NV)

I am formally requesting this letter to update the account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00}. In addition please provide evidence that the account belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate items information as quickly as possible.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 1681i ( 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account number XXXX US Department of education XXXX XXXX  XXXX XXXX  XXXX XXXX Department of ED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MN)

I purchased items XX/XX/XXXX from XXXX XXXX in XXXX, MN. I left town for my father 's funeral and when we arrived out of town, I realized that the items where not in the bag. I called the store on XX/XX/XXXX to let them know that I was missing items. I spoke with the store manager and he said that the items where at the store and that they would get them credited back to my XXXX XXXX card. I called XXXX XXXX when I returned to check if the missing items were returned to my card. The assistant store manager told me that they were credited back to my card and that if the credit didn't show didn't show up by the end of the Statement closing period XX/XX/XXXX that the total I was not to paid was {$100.00}. I made a payment of {$200.00} on XX/XX/XXXX to bring the account to the {$100.00}. I called XXXX store along with XXXX XXXX customer service to find out what was the hold up on the credit. Both sources informed that they were working on the credit and that once it hit it would be a XXXX balance. XX/XX/XXXX the credit was still not on the card. I called XXXX XXXX again and was told that it was being held up on the credit card side. I called Customer Service again and explained what I was told and that I didn't feel I should have to pay a late fee since I was told for the last 4 months that the credit I never made another purchase on this card after XX/XX/XXXX. I kept calling XXXX, XXXX, XXXX and they kept waiving the late fee 's, which if they really believed these were late fee 's due to me not paying my bill why would you refund them all? In XXXX I was finally able to get ahold of someone who was willing to look at everything with me. She seen that there was never a credit made to my account in XXXX nor XXXX for the missing items. According to the letter from XXXX ' this was a courtesy that they would put in for {$150.00} refund on late fees, and a store credit of {$91.00} which was later changed to a {$51.00} credit. I was mailed a check for {$37.00} which why would you mail me a check if I was really late? This has affected my credit and took it down XXXX points plus reports that these were all late fee 's. There would not have been a balance as of XX/XX/XXXX if the credit would have been applied. I have talked with the Attorney General of MN and they said that this source would be best to reach out to as XXXX XXXX feels that there was nothing wrong with this and that the payments were late even though the credit that should have been on the XXXX statement at the latest wasn't applied to my account until XX/XX/XXXX. I am begging for help with this.
Consumer complaint received 2024-09-03
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)

Following 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 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date of inquiry : XX/XX/year>.
Consumer complaint received 2023-11-17
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. (IN)

This has been an ongoing effort to communicate with the consumer reporting agencies regarding the deletion of all the invalid items that have been posted on my credit report. There were items that have long been deleted from Experian and XXXX but XXXX still shows the same item on my files. It's like they're not talking or communicating with each other and I'm under the impression that they are just trying to let me know that they have reached out to the individual creditors, where in fact, they really didn't do it. Coz why can a creditor release different information among these 3 credit bureaus if they're only reporting to one creditoror furnisher, right? Did you get my point here? So, I'm thinking that they're not doing their job efficiently. Some accounts have different declared numbers or digits, amount and date.