davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for their persistent violation of the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to address the issue, the following violations have remained unresolved : 1. Failure to Update Paid Charge-Off : I successfully resolved a paid charge-off with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX Written documentation exists, confirming their promise to remove this charge-off from my credit report within 30 days of payment. However, it continues to be reported on my credit report, even though we have entered into the year XXXX. 
XXXX. Illegal Debt Acquisition and Pursuit : On XX/XX/XXXX, I communicated with XXXX XX/XX/XXXXXXXX, a collection agency, explicitly instructing them to return the debt to the original creditor, XXXX XX/XX/XXXX. It is essential to note that acquiring debt and pursuing individuals without explicit consent is a violation of the law. I have no signed agreements with these collection agencies, and despite my request, they have failed to comply with returning the debt. 
As a result of their non-compliance, I am prepared to take the following actions : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), XX/XX/XXXX), Federal Trade Commission ( FTC ), and the Attorney General. 
XXXX. Retain the services of a consumer attorney to pursue legal action. 
XXXX. File complaints against the credit bureaus for damages. 
I firmly believe that the gravity of these violations should not be underestimated, and it is crucial for [ Name of Creditor/Collection Agency ] to promptly rectify these issues. Failure to do so will leave m XXXX, Equifax, and XXXX no choice but to proceed with legal action and further complaints against your organization. I have attached copies of previous correspondence, including the documentation of my instruction to XXXX XXXX, XXXX. Please consider these documents as evidence supporting my complaint. 

I kindly request your prompt attention and investigation into this matter. I look forward to your assistance in resolving these violations and enforcing my rights under the FCRA.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights under 15 USC 1681.

I am not accepting responsibility for any of the below accounts however my attempts at removal due to the nefarious acts of others have gone unnoticed. Several of these accounts that have reached the 7 year mark have been hurting my credit for almost 10 years through no fault of my own and should be removed at once. Again, I will list in detail the aforementioned accounts below. 

XXXX. XXXX XXXX XXXX ( reporting over seven years ) Account number XXXX This company is adding on time payments, that never occurred, to keep this active on credit report. This should have been deleted as the account was opened by fraudster in 2016. The perpetrator defaulted over 7 years ago. I have tried many times to fight this and now the account has passed 7yr tenure for reporting. 

XXXX. XXXX OF XXXX ( reporting over seven years ) ( XXXX Accounts with same account number in different amounts ) Account number XXXX XXXX. XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX ( Reporting as duplicate account with XXXX XXXX  ) ( Past 7 year reporting ) not my account Account number XXXX XXXX. Account name XXXX XXXX ( Past 7 year reporting ) - not my account Account numberXXXX XXXX. Account name XXXX  ( Not my account ) Account numberXXXX Original creditorXXXX XXXX XXXX XXXX  XXXX. Account number XXXX ( Not my account, reporting more than 7 years ) XXXX XXXX XXXXOriginal creditor : XXXX XXXX. XXXX - not my account XXXX - This account was opened fraudulently through identity theft and documentation has been submitted to show this. Account removed from Experian, still reporting through XXXX and XXXX. 

Credit reporting laws violated are listed below -- 15 U.S.C 1681 Section 602 A states I have the right to privacy.

604 A Section 2 - States a consumer reporting agency can not furnish information without my written instructions/consent.

15 U.S. Code 1679c - Disclosures - The credit bureau must remove accurate/inaccurate, negative information from your report if it is over 7 years old.

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 2023-06-17
Product: Credit reporting, credit repair services, 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)

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 has all violated my rights. 


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.
Consumer complaint received 2024-07-10
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. (PA)

I have filed a complaint with the FTC and also informed Experian that there are unauthorized inquiries on my credit report. I do not recognize them and have reported them as fraudulent on more than one occasion. However, Experian refuses to remove these inquiries. Per 15 U.S. Code 1681c1 ( 1 ) ( B ) this is a violation of my rights. Experian must delete the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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 recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Consumer complaint received 2024-07-10
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. (LA)

Dear Consumer Financial Protection Bureau, I am writing to formally report violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Upon reviewing my Experian credit report dated XX/XX/2024, I discovered significant inaccuracies and incomplete information that adversely affected my credit profile. 

Under the FCRA, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681 ( e ) ( b ) ). Furthermore, according to 15 USC 1681i, consumer reporting agencies must promptly delete or correct inaccurate or incomplete information following a consumer dispute and notify the furnisher of such information about any modifications or deletions. 

Despite these legal obligations, the accounts listed below have reported information that is not accurate and violates my rights under federal law : Account Name : 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 I believe these creditors ' inaccurate reporting violates my privacy and confidentiality rights under 15 USC 1681 and constitutes a false credit report, which is illegal. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement actions against the creditors for their non-compliance with federal law. 

Thank you for your attention to this critical matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-07-10
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. (MD)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-07-10
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. (NV)

Experian took over 60 days and still updated with the wrong information on my credit report. I am demanding that the following be removed for taking over 60 days to investigate. 
There are multiple errors on my credit report. I have requested deletion due to these and they refuse to delete the items and only update the data to make it even more incorrect. I would like these items removed permanently as required by law for wrong and inaccurate reporting on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2x on XX/XX/XXXX reported I have disputed every account listed here and nothing has been corrected or removed. So I am demanding removal and sanctions to the credit bureau for failing to accurately report my credit profile.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/year> I accessed my ATM with Bank of America in XXXX, XXXX  XXXX off of XXXX XXXX. I deposited {$670.00} into the ATM, as I have deposited cash into the ATM before, and while the ATM was counting the money the machine started sounding odd. Then on the screen " this ATM is currently unavailable '' popped up. I received a printout stating that my funds could not be returned to me and to contact the institution. I called the ATM number immediately and filed a claim. I called the bank first thing Monday morning, XX/XX/XXXX to file another complaint, claim, and to expedite the claim. It is now Wednesday, XX/XX/XXXX, and I still don't have my money and since my expediting on my claim has been denied. No explanation what so ever for their reasoning to deny my expediting! 
They clearly have video footage of me depositing money into the ATM and have since counted the money and they know without a shadow of a doubt the ATM was over by atleast {$670.00}. This is ridiculous. That was all the money I had. I have nothing to pay bills or buy food and am at the mercy of Bank of America to do their job.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-10
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, a personal loan at XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a utility cable account with XXXX XXXX on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections an hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ) my information has been stolen and is being used to open lines of credit, cash checks, open banking accounts and it is affecting my livelihood agreesively. I have not opened any lines of credit with XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX Bank.
Consumer complaint received 2023-07-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlas Credit Company, Inc. (TX)

I am behind on my account and was told that they couldn't promise me for payment for a specific day that they would have to keep calling me. They have called me at least twice a day since I became past due. I would answer at least once a week to let them know that I was still working on it and yet they still called my references and asked them to have me call them back. Once I talked to them on Thursday and on Monday morning the called my son. I finally had to call them and asked for a cease and desist on my account. I am still receiving daily calls and voice mails which I have saved.
Consumer complaint received 2024-07-10
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. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-10
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. (NM)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.