davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-08
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 received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$8400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-06-06
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Formal Complaint Regarding Identity Theft and Inadequate Resolution of Credit Report Disputes Dear Sir/Madam, I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau XXXX CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and Experian. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. 

Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and Experian, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my XXXX XXXX and, consequently, my financial well-being. 

The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports.

The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices.

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports.

2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities.

3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies.
Consumer complaint received 2024-06-06
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. (TX)

I urgently request your immediate intervention to expedite the removal of these inaccurate items to prevent further damage to my credit history. Despite submitting disputes, the inaccurate items on my credit report persist, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including dispute submissions, evidence of inaccuracies, and any other relevant information to substantiate my claim and facilitate a swift resolution. Understanding the critical role of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the removal of these inaccurate items. Given the numerous unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies, and necessary steps are taken to ensure the swift removal of these inaccurate items from my credit report. Timely resolution is crucial, as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX C XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$590.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-06
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. (TN)

I contacted Experian three times in XXXX requesting that XXXX XXXX XXXX provide me proof that the bill their trying to collect is indeed mine. I never received the info and they sided with XXXX each time. So I contacted XXXX on XX/XX/XXXX requesting that they send me copies of my original signature opening the account and my signature saying that I agreed for my account to be sold and collected by a third party collection agency. They sent me copies of account statements, no signatures on XX/XX/XXXX. I contacted them again and received another letter with copies of statements on XX/XX/XXXX. I called them when I received this and asked to speak to a manager. I was informed that no manager was available and they could not help me. So on XX/XX/XXXX I sent them a letter requesting the information again. They received my letter on XX/XX/XXXX and as of today this account is still on my credit report. So I called them again and they said they would escalate this. At this time the 30 days they are required to have this settled is past and I this is still on my credit reports with no proof that it is even mine. 
I am asking that this be removed from my credit report! All copies of statements sent with their letters were the same ones each time
Consumer complaint received 2024-06-06
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-06
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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. 


Account Name : XXXX  Incorrect Personal Information XXXX XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect Date of Birth
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a restfonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-07-22
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. (NC)

unfortunately, I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Consumer complaint received 2024-08-08
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)

In my previous complaint I mentioned a violation that XXXXXXXX XXXX has committed and the statement I received from XXXX XXXX is verified. What is verified? Reporting missed payments, balances and due dates falls into experiences and transactions! Once again as 15 U.S code 1681a ( 2 ) Exclusions. States Except as provided in paragraph ( XXXX ), the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. I XXXX XXXX is the consumer and XXXX XXXX is the person making the report. XXXX XXXX still is reporting these transactions and experiences.
Consumer complaint received 2024-06-23
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. (MD)

I have experienced mental hardship and I am unable to refinance my home due to this erroneous account on my consumer report. 

I demand an immediate re-investigation on this account : I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE from my consumer report. ACCOUNT : XXXX XXXX  DATE OPENED XX/XX/year>. 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 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. I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Complaint Description : I am filing this complaint against Equifax because they have not accurately reported my payment history to their credit reporting services on my open and/or accounts. Despite my consistent payments, Equifax has failed to update and reflect these payments on my credit report. 

Credit Reporting Discrepancy : According to my credit report obtained from Equifax, my payment history is either inaccurately reported or missing altogether. This oversight has adversely affected my credit score and financial standing. 

Impact : Due to Equifax 's failure to report my accurate payment history, my creditworthiness has been unfairly impacted. This has resulted in a lower credit score than the other XXXX bureaus and affected my ability to obtain credit. 

Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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
Consumer complaint received 2019-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have had the private student loan accounts serviced through Navient for over 10 years. I have been paying on them for a number of years as well. 

I am disabled ( XXXX XXXX survivor ). This last XXXX I was according to them more than 60 days late in paying my accounts. However, I can't figure out how they are applying my payments. I spent 2 hours on the phone with them today and I still am confused. 

They reported this to the credit bureau and my credit score has dropped considerably. 

I have an online account with them and though I receive monthly bills on the account I did not receive any notification online that they were going to report me to the credit bureau. 

Can you help? Thank you.
Consumer complaint received 2024-06-28
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-08-08
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 OPEN AN EXPERIAN CREDIT ACCOUNT AND I SEEN AN UNKNOWN NAME ON MY CREDIT REPORT. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX AND XXXX XXXX XXXX, XXXX CA XXXX
Consumer complaint received 2023-12-29
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. (IN)

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. Thank you.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 al
so 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 rec
ords 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.