davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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)

On several occasions, XXXX XXXX XXXX was asked to correct several errors they reported on my credit file. During the XXXX outbreak, my wife asked XXXX to adjust her account as other companies did ; XXXX refused to make any concessions. XXXX affected the world, but XXXX refused to work with her, nor could we ever use their facilities as they promised. XXXX instructed my wife that she could sell the timeshare if unhappy. 
As a XXXX veteran, I found myself in a particularly challenging situation during the XXXX outbreak, and the doctor removed me from the workforce. Unable to work, I, like many others, sought relief from financial obligations. My wife, too, requested XXXX to adjust her account during this difficult time. Despite filing all the necessary paperwork for a hardship payment, XXXX did not offer any assistance, unlike our mortgage company. 
Therefore, my wife asked XXXX to sell the timeshare. XXXX stated she could not sell it, and they refused to work with her during XXXX. XXXX received millions of dollars in XXXX, yet they would not grant my wife any relief during XXXX. XXXX foreclosed on the timeshare, and they repurchased it supposedly for {$100.00}. XXXX then reported the property, which was my wife 's primary and I was only secondary. However, XXXX refused to report this account as it was listed, and they are reporting this account to the Credit Bureau as XXXX separate individual accounts. I have disputed this with them several times, and they have refused to correct it. They also pulled several credit checks on my credit file without my permission.
Consumer complaint received 2024-08-22
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)

I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ). 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-08-27
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. (VA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2024-08-22
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)

I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX. 

Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-09-03
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. (IL)

XXXX admitted that it was their negligence that created this problem and yet they didn't try and correct or resolve any issues associated with my credit card. 

XXXX has destroyed my credit and dropped my score over XXXX points. XXXX is aware I can't make any payments and the fees and additional interest on this card should not have been added and been taken off. 

XXXX didn't close this account as requested until they started reporting it late and adding the additional fees which at this point had negatively impacted my credit. 

XXXX XXXX  closed my account and I was not able to make any payments and I called and tried to figure out how to make this payment. 

My credit card was tied to my bank account and once it closed I was locked out of my credit card account and I tried to ask for help and make the company aware of this. 

XXXX should correct my credit report and take off any late reporting or delete the credit card completely from my credit report as this isn't my fault at all. 

XXXX can delete this account and also forgive this debt as I'm not the reason this issue occurred as they are aware they are responsible for this issue. 

I have tried to email the CEO to make his office aware of the issue that was created and how XXXX may be held liable per federal and state laws. 

XXXX needs to be reported to the FDIC as this may be an ongoing issue that is created because the card is tied to your bank account and when the account is closed you no longer have access to the card and any information related to the credit card. 

XXXX has caused me to be denied credit and/or my accounts to reduce my credit limits because of their lack of helping me resolve this issue.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-03
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: Affirm Holdings, Inc (MS)

I have advised affirm on my previous complaint that these accounts were opened fraudulently and without my permission. Affirm has responded that accounts are reporting accurately and stated that I requested to validate this debt. WHICH, I didnt say this because its NOT MINES!! I have advised affirm that these accounts were opened fraudulently plenty of times by phone, email etc and they have advised me plenty times that they cant even talk to be about these accounts because it doesn't match my info!! I am a victim of identity theft, and I didnt open these accounts. I didnt give anyone permission to open these accounts using my information. I have also reached out to true accord and they seem to agree that these accounts are fraudulent. I had no knowledge of these accounts. When I realized someone stole my identity and was using my information was in XX/XX/XXXX which I filed a police report. At that time, there was only one account showing on my credit report which was aXX/XX/XXXX credit card. Affirm was not showing on my report for me to even be aware of these accounts until XXXX of XXXX along with a loan taking out from a company called XXXX XXXX XXXX. They have done a proper investigation which is attached!! XXXX XXXX with the Police department advised me that it wasnt necessary to file a new police report since these accounts were around the same time period and the case is till open. I am requesting that These accounts be closed & removed from my credit report. Please properly investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to these fraudulent accounts. Also let me know how payments were made, as I do not own a bank account. I would like to resolve this before I consult with an attorney to pursue legal action.
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (FL)

Dear MR/MS, I am writing to file a formal complaint against Affirm due to their deceptive and unfair practices in connection with a service provided by XXXX. Despite the fact that I legally canceled the service within the allowable timeframe, Affirm is now demanding the full payment for services that were not fully rendered. 

Background : On XX/XX/year>, I entered into a verbal agreement with XXXX for a XXXX job search service, which was supposed to include five job interviews over two months. 
XXXX provided minimal services during the first month, such as market analysis and resume materials, but no interviews were conducted, which was the core of the agreement. 
Due to personal circumstances, I canceled the agreement before the end of the first month, which is my legal right under consumer protection laws. 
I later found out that XXXX claimed that interviews would start in the second month, but this was never communicated to me prior to the cancellation. 
Despite the cancellation, Affirm is now demanding the full payment of {$1200.00} for the service. They are rejecting my dispute, even though I canceled within the first month and never received the full services I was promised. This demand for full payment is unjustified and based on misrepresentation of the agreement 's terms.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/24 and XX/XX/24 TRUIST AUTO, I noticed a credit inquiry that I did not authorize on my XXXX XXXX credit report. 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 15 U.S 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and a serious breach of my privacy rights. Please validate this information with these companies, and provide me with copies of any documentation associated with these accounts. bearing my signature, authorizing an inquiry. In The absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation as provided by the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-10-01
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: SYNCHRONY FINANCIAL (LA)

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : SYNCB/AMAZON ( BANK XXXX XXXX INQUIRY DATE ( XXXX XXXX, XXXX ) SYNCB/AMAZON ( BANK ) - INQUIRY DATE ( XX/XX/XXXX )
Consumer complaint received 2024-10-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

I was in forbearance with Cardinal Financial until XXXX, 2024. 

Cardinal Financial sold our mortgage to XXXX XXXX  XX/XX/year> without notification of transfer. 

XXXX XXXX  sent mail saying I owed {$16000.00} in debt when my payment were paused with Cardinal Financial ( False Information ). They also said my forbearance ended XXXX XXXX and my account was in severe delinquent status is I did not pay mid month without sending notice. ( False Information ). 

Now they are asking for more documentation for starting over the forbearance process which should be transferred with my account.
Consumer complaint received 2024-09-10
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)

I need your help with this inaccurate account listed on my credit report, which has hurt my reputation. The mismanagement of my credit report has severely harmed my standing, and I urge you to correct this and remove the inaccurate information.
Consumer complaint received 2024-09-10
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. (FL)

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with this company is being reported late 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 MONTHS REPORTING LATE 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am very disappointed and has finally asked FTC to investigate this case. I am writing to inform you that these inaccuracies in my report is very damaging not only to me and my XXXX XXXX but also to my credit file. I am very much scared of what the future holds because of the fear that this situation is giving me. Please reinvestigate my case and immediately remove these accounts off my report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 {$1300.00}. 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 XXXX
Consumer complaint received 2024-09-10
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-10
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. (FL)

Subject : Dispute of inaccurate information on my credit report Account NumberXXXX Credit Bureau : EQUIFAX Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}.

Reason for closure : " Credit line closed at consumer request. '' Equifax : Highest reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and XXXX report a credit limit of {$250.00}, while Equifax reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and XXXX indicate that the account was closed at the consumer 's request, while Equifax reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

i sent letters to the CRAs, on XXXX about the inaccurate information they are reporting on my report.The child support is inaccurate and also illegal because they recently passed the law that child support should not be reporting on a consumer credit report. i am requesting that the information be delete from my credit report the case law is XXXX XXXX XXXX XXXX XXXX