davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 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 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. ''
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, I received a notice that my credit score had lowered by XXXX points. Having not increased the credit that I have taken or applied for any new cards or loans, I pulled my credit report. On my credit report was a card from Barclays that I did not recognize. I immediately called Barclays Customer Care. They told me that I was an authorized user on someone's account. I explained to them that I had no knowledge of being added as an authorized user, nor had ever been in possession of a credit card from Barclays. I asked them to remove me from this account. Then they told me I needed to speak with the security department. The security department told me the account was closed, when I questioned that because it was on the credit report I just obtained, they said only the account holder can remove me from the account. Then they told me that their systems were being upgraded and they can't find the account ( this was after they gave me the name of the account holder and the last XXXX digits of the card that I do not possess ). Then they told me to call back on Monday. I called on Monday XX/XX/XXXX. They again told me that that the primary cardholder has to remove me from the account even though this account was created without my knowledge. They also told me that they do not have my personal information. I'm wondering how this gets reported to the credit bureaus if it isn't tied into my social security number. Barclays created a ticket number but could not tell me if anyone will ever contact me to resolve this. I can not contact the primary cardholder to ask her to remove me from the account right now. I am asking for my name to be removed from being an authorized user on the Barclays credit card that I had no knowledge of which is affecting my credit score.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the severe breach of my personal information, including the compromise of my Social Security number, which has resulted in a data breach and identity theft. This situation is not only alarming but also legally indefensible. I have already reported this crime to the Federal Trade Commission, and a copy of my FTC Report is enclosed with this correspondence. As you know, under 15 USC 1681c-2 ( c ) ( a ), your agency is legally obligated to act immediately upon receiving an identity theft complaint. This statute unequivocally mandates that you block and remove all fraudulent information from my credit report within XXXX business days. I have provided all the necessary documentation to substantiate my claim, and I expect full compliance without delay. 

XXXX XXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXXXXXX - XXXX Your agency is in violation! 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 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 ) ( 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. Delete this at once! 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Consumer complaint received 2024-07-23
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. (MS)

XXXX, Equifax, XXXX, Have all caused me hardship. Great financial hard ship. Someone stole my purse and got all of my cards and ID. They got tickets in my name. They used my credit cards, made them filled to the limit. Some amounts were taken down by the credit companies but I have still been struggling to catch up. I have paid credit repair and credit monitoring services to help me. That's extra money I cant afford as a single mom. I have not been able to get my credit right with them in years which cause me to pay extra for everything. Not only have I suffered but my kids have too. It's been a nightmare. I see credit inquires on my report that I didn't give permission for. I'm a 100 % XXXX veteran suffering from XXXX and the credit reporting agencies have pushed me into complete financial ruins and XXXX. They are reporting information on my reports totally incorrectly. I have had XXXX 3 times which brought me down. I'm requesting that the report my information accurately so that I will have a chance to survive and quit struggling. I am staying with relatives, me and my children because I cant get approval for her home due to the inaccuracy.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXXXXXX Balanced {$0.00}
Consumer complaint received 2024-08-30
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2024-08-30
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings (UT)

IQ Data Internationals actions constitute a serious violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. According to the FCRA, specifically 15 U.S.C. 1681b and 1681g, any entity reporting information to credit bureaus must have a permissible purpose and provide proper notice of the debt to the consumer. Furthermore, under 15 U.S.C. 1681i, they are required to provide validation of the debt upon request. 

Since IQ Data International began reporting negative information on XX/XX/year>, without my consent or knowledge, and has failed to provide the required written notice or validation of the debt, they have violated these regulations. Their actions have led to significant financial hardship and have imposed undue mental and physical strain on me. Their failure to adhere to the FCRA and CFPB guidelines is both unlawful and detrimental.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-30
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Creditor Name : XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/2023 Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
Sincerely,
Consumer complaint received 2024-07-23
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. (AL)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to urgently request the deletion of inaccurately reported accounts on my credit report maintained by Equifax. This action is justified due to persistent inaccuracies and failure to comply with the Fair Credit Reporting Act ( FCRA ), despite my repeated efforts through multiple certified letters to Equifax and direct disputes filed with your bureau. 

Disputed Accounts Requiring Deletion : XXXX  XXXX Account ( XXXX ) WebBank/Fingerhut Account ( XXXX ) These accounts have been reported with significant errors in their status and balance, and despite my efforts to rectify these through proper channels, including numerous certified letters and disputes lodged directly with Equifax and through the CFPB, compliance has not been achieved. The continued reporting of these inaccuracies is detrimental to my financial standing and violates my consumer rights. 

Key Points of Non-Compliance and Request for Action : Repeated Disputes Ignored : I have sent multiple certified letters to Equifax and filed disputes with the CFPB, none of which have resulted in the correction of the erroneous entries. 
Demand for Deletion : Due to the ongoing non-compliance and lack of proper verification as required by FCRA and XXXX XXXX standards, I insist on the immediate deletion of these accounts from my credit report. 
Legal Notice : This letter serves as formal notice of these unresolved disputes and my intention to pursue further legal remedies if these inaccuracies are not corrected within the mandated timeframe of 30 days. 
I urge the CFPB to initiate an immediate investigation into these discrepancies and to enforce corrective measures on Equifax to amend my credit report as per federal requirements, specifically focusing on the deletion of these disputed entries. 

Thank you for your prompt attention to this critical issue. I look forward to your confirmation of the receipt of this letter and a detailed response outlining the actions that will be taken.
Consumer complaint received 2024-07-23
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)

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

I originally opened an account with XXXX XXXX XXXX  on XX/XX/XXXX. Due to unforseen circumstances ; I was terminated from my job and without income for a year. I fell behind on my card payments but eventually set up payment arrangements with XXXX XXXX to rectify the balance. Nevertheless, XXXX XXXX sold the account to Resurgent Capital Services on XX/XX/XXXX. At the time of the sale of my debt ; the balance was only {$250.00} and by the time Resurgent contacted me ; my prior arrangement with XXXX XXXX as well as my payments toward the debt were not calculated into the remaining balance. After making numerous payments to Resurgent ; my account has now been placed with LNV Funding LLC with a new amount different and outrageous than the last amount stated and/or agreed upon. Upon contacting Resurgent to get corrections to the amount, a letter confirming paid status, as well as promise to delete and/or notify XXXX, XXXX, and XXXX of the errors has failed. I spoke with agent XXXX of Resurgent on XX/XX/XXXX and she notified me that they would not send me any information regarding the deletion and/or clarification of being overly billed for the account in question. Upon contacting LVNV Funding ; they stated that the amount of {$700.00} was owed, which is the original amount of the sold debt.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Re : Request for Removal of Bankruptcy from Credit Report I am writing to formally request the removal of a bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy can be reported for no longer than ten years. However, XXXX XXXX bankruptcies can typically be removed after seven years from the date of discharge, and XXXX XXXX bankruptcies can remain for seven years from the date of filing. 

The bankruptcy in question was filed on XXXX XXXX XXXX and was discharged on XXXX XXXX and it has now been

seven years since the discharge date. Under Section 605 ( a ) ( 1 ) of the FCRA, the credit reporting agencies are required to remove this information from my credit report after seven years.

The details of the bankruptcy are as follows : - Bankruptcy Case Number : XXXX - Filing Date : XXXX XXXX XXXX  - Discharge Date : XXXX XXXX XXXX Given that the seven-year period has elapsed, I kindly request that this bankruptcy be removed from my credit report. Enclosed, you will find a copy of my credit report highlighting the bankruptcy entry, as well as documentation verifying the date of filing and discharge. 

Please provide written confirmation of the removal of this bankruptcy from my credit report within 30 days of receipt of this letter. Should you need any further information or documentation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. XXXX, Equifax, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law
Consumer complaint received 2024-07-23
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. (MD)

I am writing to formally dispute an inaccurate and invalid negative account that has recently appeared on my credit report. I do not recognize this account and believe it to be erroneously reported.