davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (TX)

After finding out I was a victim of identity theft, I received a copy of my credit report and noticed several inaccuracies and incorrect information located within my credit report. I then sent a certified letter to all three of the main credit reporting agencies ( XXXX, XXXX and Equifax ) notifying them of my identity theft situation and requesting the verification of accounts I will include within this complaint. Shortly thereafter, I received a letter stating their reasons for the remaining accounts. Due in part to the laws provided herein, 15 USC 1681 sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) .I have included supportive information. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ) .I then sent a letter requesting a re-investigation of said accounts with a request to provide me with the necessary info as to whom you spoke to to verify this information with. I recently received a current copy of my credit report and I still see inaccurate and incomplete information within my credit report across all three of my credit file. All three bureaus included. Those being XXXX, XXXX and Equifax have miscommunicated my information even after I notified them at least twice. I have certified mail with dates to further my complaint. The accounts I speak of are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I highlighted majority of the inaccurate information that falls within the guidelines of reasons to delete said accounts due to a multitude of misinformation, misrepresentation of a consumer along with other infraction that falls within. Accordingly, certain laws have been afforded to myself, a standalone consumer, to protect me against the crimes I have proven within the written comments and highlighted areas. I closed are also documents that will verify my identity which have allowed my or others to move forward because I am who my identification says I am.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PR)

Dear XXXX, XXXX and Experian. 

I am writing to dispute an inaccurate address listed on my credit report. After reviewing my recent credit report, I noticed that an incorrect address is included, which does not belong to me and is affecting the accuracy of my credit profile. 

The incorrect address listed is : 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 

My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I kindly request that you investigate this discrepancy and remove the incorrect address from my credit report. For your reference, I have included a copy of my current utility bill and a government-issued ID verifying my correct address.

Please confirm receipt of this letter and inform me of the outcome of your investigation. You may contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information. 

Thank you for your prompt attention to this matter., I am writing to dispute an inaccurate address listed on my credit report. After reviewing my recent credit report, I noticed that an incorrect address is included, which does not belong to me and is affecting the accuracy of my credit profile. 

The incorrect address listed is : [ Incorrect Address ] My correct address is : [ Your Correct Address ] I kindly request that you investigate this discrepancy and remove the incorrect address from my credit report. For your reference, I have included a copy of my current utility bill and a government-issued ID verifying my correct address. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. You may contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information.

Thank you for your prompt attention to this matter.,
Consumer complaint received 2024-08-02
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. (OH)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, 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. (PA)

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash curtis Associates put a bill on my credit without informing me or sharing details of my medical bill. From hospital I never received the bill and i only noticed the bill once its included on my credit. I asked details of my bill from 3rd party and they havent able to shared the detail bill. Due to Hippa law first of all hostpital can not share my medical bills without informing me since its my personal medical bill. 3rd party received letter from hospital on XX/XX/XXXXXXXX  and they mentioned some service occured which I am unaware on XX/XX/XXXX. Amount owe they mentioning is {$2500.00}
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-16
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)

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  - Incorrect Employers XXXX XXXX  XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX - Incorrect Address XXXX - Incorrect DOB
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  XXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$2300.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX  XXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$2300.00} is shown as XXXX % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$2300.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am a victim of the security breach my information was used to obtain loans I made the companies aware and they refuse to remove the inaccuracies violating my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$11000.00} which has been on my credit for 8 years and 3 months, also a credit card from XXXX bank {$1100.00}. i have put the companies on notice these accounts are inaccurately reported. Under 15 U.S Code 1681 ( e ) 15 U.S Code 1681 ( I ). 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a )
Consumer complaint received 2024-08-01
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done. It has come to my attention that I am not getting a response from your company and it frustrated me especially as someone who is thriving hard to get through a day.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear CAPITAL ONE / Sir/Madam, I am writing to formally dispute the charge-off balance of {$1400.00} associated with an account that is being inaccurately reported under my name. I must emphasize that this is not my account ; it is fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 

The reporting of this account as mine violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter promptly and expeditiously, I am requesting the following documentation : Evidence of Authorization : Provide evidence under 15 USC 1692e and 1692f that you are authorized to handle this matter.

Legal Basis : Clarify the legal basis for the collection of this debt. 
State Authorization : Proof of your authorization to operate in my state. 
Proof of Debt : Submit evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete Account History : Provide a complete account history, including all charges related to collections. 
I am also filing a formal complaint due to the violations of my consumer rights under the FCRA and FDCPA. In accordance with 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished to credit reporting agencies without my explicit written consent.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Given the fraudulent nature of this account, I demand the immediate deletion of this disputed account from all credit reporting agencies. Your prompt attention to this matter is appreciated, and failure to comply may result in further legal action to protect my rights and interests.

In a good faith effort to resolve this matter amicably, I insist that you provide proof of this debt, specifically the alleged contract or any instrument bearing my signature, as well as proof of your authority in this matter. In the absence of such proof, you are required to delete any erroneous reports of this debt from all three major credit bureaus immediately. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/year>2024, an unauthorized " hard inquiry '' was made on my credit report by XXXX XXXX. I did not give my consent for this inquiry, and it appeared without my knowledge or permission. According to the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), credit inquiries must be authorized by the consumer, which was not the case here. 

I have taken steps to dispute this unauthorized inquiry with the credit bureaus, requesting that they provide all documentation and proof that I explicitly authorized this inquiry. I have also asked for a written response from the credit bureaus within the legally required 30-day period, per FCRA Section 611 ( 15 U.S.C. 1681i ). If no proof of my authorization is provided, I expect this inquiry to be removed from my credit report immediately. 

I am filing this complaint through the CFPB to ensure this unauthorized inquiry is properly investigated and removed from my report.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$460.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXXXXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$460.00} is shown as 156 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$460.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-02-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (PA)

Ability Recovery Services is trying to collect a debt that isnt mine. I never lived at the address they provided on the itemized bill. I never signed up for XXXX XXXX XXXX. I never received a collection bill from this company. The email address is wrong, wrong number, wrong address, wrong credit card information, wrong everything. The name is the same but Im not the person that signed up. I attend XXXX XXXX XXXX University for the past two years. I only lived at 2 addresses in XXXX and now I live in Pennsylvania. I want this removed until XXXX can show proof its mine. Show my ID given to the company, SSN, date of birth, break down of assignments and payments, billing information, etc.. I will be suing for defamation, emotional distress, financial hardships, and wrongful credit reporting. Do the right thing and remove this illegal debt.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I looked at my credit report on XX/XX/year> & noticed somethings are inconsistent and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned XXXX  XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : [ XXXX  XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] *See attached screenshot of all 3 credit reports
Consumer complaint received 2024-08-23
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX