davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-06-06
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. (TX)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-26
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. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXXXXXX XXXX XXXXXXXX Partial Acct # XXXX
Consumer complaint received 2023-08-28
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. (NY)

My credit report is showing late payment on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-06-03
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-26
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)

This account was charged off on the following date : XX/XX/2 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-06-03
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)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 2024-06-05
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. (MA)

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 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX XXXX, I have received American Express Card number ended with XXXX I have used it XXXX time in XXXX XXXX on XXXX XXXX  for {$6.00}. 
the Annual fee was high {$150.00}. 
On XX/XX/XXXX, while I was traveling, I called the international Customer service line ( XXXX XXXX XXXX ) and asked the lady on the line that due to a high annual fee is it possible to cancel the card and refund the {$80.00} payment I made at that time She said yes and you should get a refund of {$80.00}. I was happy at that time, and I have asked her to send me E mail Confirmation. 
and she did Below is a copy of the confirmation. 
___________________________________________________________-___ XXXX XXXX This message is to confirm that American Express has processed your recent request to cancel the following Card account ( XXXX ). 
XXXX XXXX ending in XXXX If you have other Card accounts registered for Manage Your Card Account online they will still be available online at americanexpress.com. 
_____________________________________________________________________ then after XXXX week I called. Customer Support XXXX XXXX XXXX XXXX requesting the fee refund. 
the lady on the line told me that refund. should be send if you cancelled within 30 days. 
then I asked to reactivate the card and I will pay the fees since I have been misinformed, they refuse to reactivate the card or pay the refund. 
not only that I have received a late charge and interest, I have spent a lot of time chatting and calling by phone with support with no resolution I have opened a complain case # XXXX I have asked for E mail confirmation for the case but they refused to do so. 
Now I'm still receiving statements for late charges and interests for a service i did not use only once. for a mistake that the support did, I'm XXXX  year 's senior citizen and I am very frustrated by this way American Express handled my case.
Consumer complaint received 2024-06-06
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$42000.00}, XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2024-06-03
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 XXXX, 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 XXXX 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 XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2023 I called XXXX XXXX XXXX  and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but TransUnion and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XXXX.
Consumer complaint received 2024-07-18
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. (IL)

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-15
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)

The oppressive burden of my student loans has crushed my spirit and drained my finances for far too long. When I naively took out these loans to pursue an education, I was misled by deceptive lending practices that violate the Truth in Lending Act 's requirements for transparency. The true costs, fees, and lifetime repayment obligations were obscured from me. My dream of bettering myself through higher learning has become a nightmare. I implore you to examine how I was victimized and provide merciful relief from this unconscionable debt. 
Lenders motivated solely by profits must be held accountable when they run afoul of consumer protection laws like TILA. The Higher Education Act provisions like defense to repayment and borrower defense to repayment discharge explicitly allow for federal student loans to be forgiven if the loan agreement involved a substantial violation by the school. Predatory lending practices and misrepresentations also open the door for bankruptcy discharge of private student loans under undue hardship provisions. I beseech you to exercise your authority under these laws to rectify the injustice I have endured and give me a desperately needed fresh start in life.
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 

Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the banks associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 
Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 
I request that you promptly remove this account from my credit report, in alignment with the actions taken by other credit bureaus. Failure to do so will compel me to pursue legal action. 
XXXX XXXX XXXX.