davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My credit score decreased by XXXX points on XX/XX/year> without explanation. 
XX/XX/year> XXXX XXXX XXXX balance decreased and XX/XX/year> XXXX XXXX balance decreased by XXXX %. 
Im trying to understand why my credit score decreased? I seem to be stuck in the XXXX category and credit score will reach XXXX but it always decrease back to the XXXX. I will be keeping a close eye and continue to report suspicious and erroneous activity on my credit report.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I have tried numerous times to close my account. The phone representatives tell me they will send a request to close the account, but it doesn't get closed and I get charged a $ XXXX monthly fee. Today, XX/XX/23, I attempted to call to have it closed and told the representative I would be filing a CFPB complaint if it wasn't closed. They reviewed the account and saw that the last request for closure was made on XX/XX/23. He said it hasn't been closed and after researching told me I had to email a branch manager that I would allow them to remove XXXX from my account so that they could close it. They said, otherwise, they won't be able to close it for a year, but would still charge me the $ XXXX monthly fee every month. I attempted to email the branch manager that the representative told me to email : XXXX. The email immediately " bounced '' back, the server response was : XXXX Remote Server returned XXXX XXXX RESOLVER.ADR.RecipientNotFound ; Recipient not found by SMTP address lookup ' All I want is to close my account, and I have spent several hours trying to do so. There is only XXXX reason to make it this difficult to close an account- the bank wants to continue charging monthly fees.
Consumer complaint received 2024-07-29
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. (FL)

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 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom May Concern My name is XXXX XXXX I have written your bureau multiple times & also submitted identity theft reports multiple times & your company just wasnt trying to hear what I had to say regarding incorrect information on my credit report. So I took further action & contacted the deputy commissioner of my state XXXX to verify indeed that these account reporting on my account couldnt had been me due to me being incarcerated for those years the accounts was opened & received I dont know if it was a family member that did or not but those accounts wasnt approved by me & truly wasnt made by me. I have the letter attached to my letter as well and I have police report, identity theft report & lease of my address attached too and I will also attach my information so your company can verify me & also have my identity report attached again with this letter to see which accounts Im speaking on. Im sorry for the inconvenience and Im sorry that I had to go this far to contact the commissioner of my state. Also the address that is on my credit profile is invalid I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address for alleged debt is not on my report & I have my lease to my apartment attached to this document also have the letter from the deputy commissioner to verify I was incarcerated at the timing of the alleged debt owed to XXXX XXXX XXXX Account Number - XXXX & also the alleged Debt owed To XXXX XXXX Account Number XXXX. I also have the accounts listed below with the balances & how much the alleged debt are so I can get verified. Key facts that prove that the alleged debt is not mines are & was fraud XXXX. I was incarcerated from XXXX commissioner documents to prove it XXXX. Lease to prove that was incorrect for my legit address lease shows the address & the dates of the rental lease. XXXX. My address for the alleged debt is not on my profile PLEASE HAVE THESE ACCOUNTS REMOVED IMMEDIATELY THESE ACCOUNTS ARE ALLEGEDLY INCORRECT & NOT MY ACCOUNT THEY ARE FRAUD ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED BELOW. XXXX  {$96.00} Account # XXXX XXXX XXXX XXXX- {$450.00} Account # XXXX DOCUMENTS ATTACHED WITH THIS PAPER XXXX. COMMISSIONER LETTER TO VERFIY I WAS INCARCERATED XXXX. IDENTITY THEFT DOCUMENTS XXXX. ID XXXX. MY LEASE FOR MY APARTMENT TO VERIFY MY APARTMENT CORRECT ADDRESS XXXX. Police Report
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

AMERICAN EXPRESS HAS VIOLATED MY RIGHTS YET AGAIN AS I WAS TOLD TO RE-APPLY FOR THE CARDS THAT I CHOSE TO BE ISSUED. I ASKED TO SPEAK WITH THE RECONSIDERATION LINE NUMEROUS TIME AND TO NO AVAIL. WHEN I SPOKE TO A " MANAGER '' AND TOLD THEM HOW AND WHEN MY RIGHTS WERE VIOLATED IN THE APPLICATION PROCES AS I AM THE ONE LENDING CREDIT AND I COME WITH CLEAN HANDS AND IN GOOD FAITH. ANY CONSUMER TRANSACTION CAN NOT BE DENIED DUE TO CREDIT SCORE, INCOME, OR CREDIT HISTORY PURSUANT TO 15 USC 1691 & 12 CFR 1002.
Consumer complaint received 2024-07-28
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. (GA)

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by XXXX, {$0.00} by XXXX, XXXX {$300.00} by Equifax. INACCURATE. Date last reported XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX, XX/XX/XXXX by Equifax. Payment History Reporting ok on Equifax ONLY ( XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX, NO DATA XX/XX/XXXX, XXXX ) XXXX & XXXX reports Date of Last XXXX XX/XX/XXXX XXXX Equifax reports XX/XX/XXXX. VIOLATION! & INACCURATE Comments reported by your agency ( XXXX ) states by XXXX, Payment after charge off/collection..Dispute resolved, XXXX reports Dispute resolved due to, Unpaid balance reported as a loss ( Debt Cancellation ), & Equifax reports, Paid charge off. Accounts closed. Date Last Active, XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & Equifax reports XX/XX/XXXX. Violating my consumer rights! INACCURATE. XXXX XXXX reports {$300.00} by XXXX XXXX XXXX, & {$0.00} by Equifax. Account Status shows PAID reported by XXXX XXXX XXXX yet Equifax reports Derogatory!! Date Opened reported by XXXX is XX/XX/XXXX yet XXXX XXXX Equifax reports XX/XX/XXXX. Clearly there are many inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer report from 07/26/2024. ) In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or REMOVE the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information or DELETE this alleged debt from my consumer report.
Consumer complaint received 2024-10-23
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. (MI)

I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Experian credit reporting agency, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX on XXXX on XXXX credit card From XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX was open XXXX of XXXX XXXX & XXXX account number XXXX was open XXXX XXXX XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-23
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. (CA)

I reviewed my Consumer report and notice that I had one late payments on an account. account name XXXX XXXXXXXX XXXX XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank you
Consumer complaint received 2024-07-29
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-28
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting incorrect information on my credit report for my XXXXXXXX XXXX. They report that I owe {$150000.00} with the last payment date of XX/XX/2024 that was updated XX/XX/2024. The actual amount owed is {$150000.00} with a date of last payment date of XX/XX/2024. I have provided documentation of the error.
Consumer complaint received 2024-07-29
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. (UT)

Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following accounts : I have disputed these accounts multiple times with the credit bureaus ( XXXX, Equifax, and XXXX ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the correct of these accounts from my credit report. The continued presence of these negative accounts on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. These accounts should be promptly correct immediately : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am writing once again to follow up on my unresolved dispute regarding the unverified and inaccurate accounts listed on my credit report. Despite previous attempts to rectify this matter and your assurances of investigation, these discrepancies persist. v
Consumer complaint received 2024-07-29
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

XXXX XXXX.
Consumer complaint received 2024-10-23
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 am victim of identity theft in my identity was stolen and here are the accounts that are not mine and need to be removed from all three different credit agency immediately XXXX Remove Below close acct XXXX XXXX, XXXX charge off XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00XXXX XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : $ XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XX/XX/XXXXsystem has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XX/XX/XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XX/XX/XXXXXXXX
Consumer complaint received 2024-10-23
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)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report.

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided.

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue.

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2024-10-29
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 writing to request your assistance in addressing XXXX ongoing refusal to correct inaccurate accounts on my consumer report. On XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, I contacted Experian through both letters and phone calls, requesting that they correct inaccuracies on my report. 

Despite my repeated efforts, Experian continues to disregard my requests and ignore my right to an accurate report. This persistent inaction demonstrates a lack of respect for my rights under the Fair Credit Reporting Act, and it is having a detrimental impact on my financial standing. 

I am seeking the CFPBs intervention to hold Experian accountable and ensure my report is updated to reflect accurate information.