davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
Account Number : XXXX is reporting a past due amount of XXXX DOLLARS when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX DOLLARS on my consumer file. This is beyond foolish. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. I'll be taking this as willful non-compliance by you the furnisher, and pure negligence against me the consumer as you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Consumer complaint received 2024-09-17
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. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Experian for Non-Compliance with Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to formally file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple requests, Experian has failed to remove several unauthorized and unverifiable hard inquiries from my credit report. 

Here is a summary of my efforts to resolve this matter : First Dispute Sent : XX/XX/year>, to Experian requesting removal of unauthorized hard inquiries ( see attached copy of the letter ) ( XXXX ). 

Second Dispute Sent : XX/XX/year>, as a follow-up to the initial dispute, again requesting removal of the same unverified inquiries ( see attached copy of the letter ) ( XXXX ). 

Third Dispute Sent : XX/XX/year>, reiterating the request and emphasizing the continued violations of federal law ( see attached copy of the letter ) ( XXXX ). 
Despite these letters, Experian has continued to report the unauthorized and unverifiable inquiries on my credit report. Under the FCRA, Experian is required to remove any information that can not be verified. Specifically, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any disputed information that can not be verified must be promptly deleted from the consumers file. 

The following items are among the inquiries that have remained on my credit report, despite being unauthorized and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... ( and several others ) In addition to the removal of these inquiries, I requested that Experian provide documentation used to verify these inquiries, including the name, business, address, and telephone number of the person or entity contacted during their investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian has failed to provide this information within the 15-day timeframe stipulated by law.

I am requesting that the CFPB investigate this matter further and take the necessary actions to ensure Experian complies with federal regulations. I also ask for the immediate removal of the disputed items from my credit report and for compensation for the harm caused by Experians negligence in handling my disputes. 

Thank you for your attention to this matter. Please feel free to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-10-05
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. (MI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to formally submit a complaint regarding fraudulent accounts and charges that have appeared on my credit report as a result of identity theft. I have already filed an identity theft report with the relevant authorities and would like to put your bureau on notice regarding these fraudulent activities. I am requesting the following actions : Immediate investigation into the unauthorized accounts and inquiries. 
Removal of any and all accounts or debts that I did not open or authorize. 
A security freeze or fraud alert placed on my credit file to prevent further unauthorized activity. 
Updates on the status of your investigation and resolution within the required time frame. 
Enclosed with this complaint are copies of my identity theft report, a government-issued ID. 

I trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile.
Consumer complaint received 2024-09-17
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. (OK)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

My physical credit card was expiring earlier this year ( acct then ending in XXXX ) and a replacement card was sent to XXXX XXXX  Ct by mail sometime in early XXXX, but I never received the card. 

XXXX or so in the morning of Sunday XX/XX/XXXX I received a text from Wells Fargo about fraudulent activity on my card, and I called Wells Fargo to cancel the card. At WFs recommendation I then cut up my copy of the card, which was not the ( newly issued ) physical card used in the fraud, which I never received in my mail. 

Initially {$1300.00} was refunded, but upon further investigation I noticed charges that werent caught by Wells Fargos fraud detection team. Looking back on my records, the transactions in question are a XX/XX/XXXX transaction for {$86.00} at an XXXX in XXXX, and a XX/XX/XXXX transaction for {$180.00} at XXXX in XXXX XXXX. This brings the total fraud that I can tell by looking at my CC statement to {$1500.00}. 

When I reached out to point this out, all the initial refunds were rescinded and I am again missing all the initial money that was stolen. ( {$1500.00} ) Ive since appealed this three times, and been denied by WF for reasons I can not understand. 

On XX/XX/24 I filed a police report with the XXXX precinct in XXXX to report the stolen card and Wells Fargos lack of cooperation with this matter. 

The police report number is XXXX, an officer has told me they would email the report to me and I will fax it along when I get it.
Consumer complaint received 2024-09-17
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. (UT)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft.

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-09-05
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. (NC)

On XX/XX/ I sent a dispute letter to Experian requesting them to investigate and correct or delete inaccurate information on my credit report. Days later I received a system generated response from their system refusing to investigate my disputes on the basis of an unverified assumption that I was a using a 3rd party, which I am not. This is now month 3 of me trying to get to Experian to adhere to the FCRA and follow procedures outlined by congress to ensure I have a fair and accurate credit report. Experian has refused to abide by the FCRA and accurately investigate my disputes.
Consumer complaint received 2024-09-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
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)

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 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
Consumer complaint received 2024-09-28
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. (AZ)

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 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

XX/XX/2020 is when the account was reported to of been opened with XXXX XXXX XXXX, says I owe {$7900.00}, I have never had an account with AT & T, I can not see the account number. It was given to Credence Resource Management. I disputed it with XXXX as well, they are looking into as well.
Consumer complaint received 2024-10-04
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. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-17
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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-05
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 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (FL)

I submitted photos down below that shows exactly when I reached out as well as when issues were reported to kickoff kickoff did not do the proper due diligence in properly securing my account even after ID verification as well as address and email verification they consistently kept someone elses information under my identity, which made it difficult for me to enter my account After exhausting all it took him a total of 21 days in order to fix the error that they committed. I am asking for payment to be deleted. Its inaccurate information thats being reported on my credit report. They did not secure my account accordingly, per their terms and conditions. They exposed my information and failed to rectify the error promptly causing significant harm to my credit file, and I am asking for them to delete since its an inaccurate reporting due to kickoff error. I clearly showed ownership of the email. I also included screenshots and address verification. They still did not fix the issue.
Consumer complaint received 2024-09-17
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. (UT)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX # XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Mohela put my account in administrative forbearance. I was not told why. I called multiple times and received conflicting information. I am enrolled in the pslf program. I was told that mohela would place my account back in repayment before my due date. I called on my due date and my account was still in forbearance. I was told by the rep that if i wanted the month of XXXX to count towards pslf that i needed to make a payment that day. I made a full payment that day. Now my account says it's in repayment with a {$0.00} amount due in XXXX. I made a {$630.00} payment in XXXX which was used to pay the interest only. The payment i made also did not count towards my pslf count.
Consumer complaint received 2024-10-04
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXber XXXX XXXX