davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have XXXX  for my sister checking account, for the past XXXX years. When I took over this account, I was told she only had a checking account at this bank. ON XX/XX/2023, My niece told me her mother has a checking and saving account. I contacted XXXX XXXX to inquire if my sister has a saving account on XX/XX/2023. After talking to XXXX different customer service operator over a period of XXXX I still wasn't able to find out if any account existed. I asked the last customer rep his name and he hung up the phone. 

At XXXX AM I once again contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, I was once again switched to three different reps without any help.
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2024-05-05
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: Experian Information Solutions Inc. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
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. (FL)

Dispute Regarding XXXX XXXX XXXX ACCOUNT XXXX I am writing to formally dispute the presence of account XXXX on my credit report, which is inaccurately impacting my credit score. Despite my previous dispute and request for reinvestigation, the account has been verified with inaccurate information, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to accurate and verifiable information on my credit report. However, the information provided regarding this auto loan account is erroneous and is unfairly affecting my creditworthiness. 

Therefore, I am requesting the immediate deletion of this account from my credit report. Its continued presence not only violates my rights under the FCRA but also unjustly impairs my ability to access credit and financial opportunities. 

I expect a prompt response to this dispute and request, in accordance with the regulations set forth by the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-04
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. (CT)

I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
Consumer complaint received 2023-05-25
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. (CA)

I told my story to this stupid company XXXX times. I sent them handfuls of letters. With dates, personal information, and even proof, all the information they would need to fix my issue. It has taken them just about fouXXXX months to do a whole lot of nothing. I made a complaint on their company and waited an entire month and a half just for them to tell me some bull crap. For them to tell me PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. NON REPORTING DISPUTES ID : Current Name THE DISPUTED NAME IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. I dont know how much more specific I can be when I say SOMEONE HAS ACCESS TO MY SOCIAL SECURITY AND YOU GUYS REMOVED ME, THE RIGHTFUL OWNER OFF OF MY CREDIT FILE. How much more need I say? I have mailed them multiple break downs. Talked to MULTIPLE customer service agents. And even sat patiently, They are all literally just getting paid to do nothing. Then for them to tell me to provide information. Where? On this website? Why would I put my personal information on this statement thats on a PUBLIC WEBSITE? But I provided them information multiple times. Paid money out of my OWN pocket for express shipping to get them my complaint. Still no results.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (SC)

I am writing to formally dispute the presence of an account listed under your company 's name on my recent credit report. Upon reviewing the report, I was surprised to find an account that I have no knowledge of or association with. 

As a diligent consumer, I routinely monitor my credit report for accuracy and consistency. The discovery of this unfamiliar account has raised concerns regarding potential inaccuracies or fraudulent activity. 

I hereby request that you conduct a thorough investigation into the origins of this account and provide me with detailed information regarding its creation and associated transactions. Additionally, I urge you to take immediate action to rectify the inaccurate reporting on my credit profile. 

Maintaining the integrity and accuracy of my credit report is paramount to my financial well-being. Therefore, I expect prompt and decisive action in resolving this matter. 

I appreciate your attention to this dispute and look forward to a swift resolution.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-05-05
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. (FL)

Recently I looked at a copy of my credit report and noticed 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 to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX account XXXX
Consumer complaint received 2024-05-09
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. (MO)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-09-15
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)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a closed secured loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number ( private ). This account have resulted in a fraudulent closed account appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Consumer complaint received 2017-11-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC (FL)

11 years ago I used to have a property in New york, the crisis started, I divorced and included an FHA mortgage with XXXX in XXXX XXXX # XXXX for years they offered to refinance and keep the home, my ex wife never won't.. 3 months ago suddenly a debt collector call SHELLPOINT report a mortgage in credit report, for  {$560000.00}, originated in XXXX paying XXXX and late more than 120 days for XXXX consecutive years, mi XXXX score was XXXX before they include this lies, I never apply for mortgages after my bankruptcy. Now mi score XXXX, all my creditors start increasing and closing accounts, I called them and ask to send my bankruptcy papers, I send it in XXXX, but they 're arruining my financial life, reporting late payments. I am loan officer and can I can loose my license. I called again and they still are investigating, I dispute with the credit bureau, no answer yet, and my credit keep going down, please help me. I never request and signed nothing. nothing. all that information is NOT TRUTH.
Consumer complaint received 2024-05-05
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
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. (TN)

I hope this message finds you well. I am writing to you with an urgent issue that has, until now, remained unresolved and is causing me unnecessary stress and strain. 

On an initial note, reaffirming the content of a prior communication I received from your establishment, it was clearly stated that the loans erroneously tied to my name would no longer be my responsibility. However, the current circumstances and the lack of action on your part is not just baffling but highly unacceptable. Going through my latest credit report, it is distressingly apparent that XXXX has failed to make good on its promise, as these loans are still marked against my credit. 

This, I must say, is a direct contradiction to the assertion made in your email that explicitly absolved me of the burdens tied to these loans. Breaching trust in such a crude manner is truly perplexing, especially coming from a corporation that prides itself on maintaining transparent customer relations. Not only has your lack of action resulted in a festering dilemma for me, but it also imposes a stain on your reputation. 

Moreover, I have telephonically contacted your customer service department more than once. Each time I reiterated my unfortunate position as a victim of identity theft. Yet, it seems like my pleas are either ignored or blatantly brushed under the rug. This lackluster handling of my identity theft issue is a grave disappointment and speaks volumes about your level of commitment towards customer security. 

This situation is not only unethical but also incredibly damaging. Your inaction demonstrates a complete disregard towards the credibility of your own communication and leaves a lot to be desired regarding your customer services, especially because my issue involves identity theft, a crime that in itself warrants immediate and thorough response. Despite being caught in the throes of this distressing and challenging situation, I find myself questioning the credibility of XXXX, which instead of solving problems, is adding to them. 

Without trying to be litigious at this juncture, I would like to emphasize that unless the wrongful loans are properly removed from my credit report XXXX, I am afraid I will have to resort to legal avenues to protect myself. Please consider this as a forewarning. 

I thereby demand your prompt attention in this matter. Concurrently, I hope that XXXX XXXX of angst and consternation would serve as an eye-opener for you, so as to remedy the situation, understanding the depth of the issue and, moving forward, taking concrete steps to alleviate my distress as well as prevent any such unfortunate incidents from recurring in the future. 

Thank you for your attention to this matter. Expecting your immediate assistance.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Subject : Discrepancies in Credit Report Dear [ Credit Bureaus and CFPB ], I am writing to formally dispute several discrepancies on my credit reports from XXXX, XXXX, and Equifax, specifically regarding the duplicate reporting of an account. This duplicate reporting is not only misleading but also negatively impacts my credit score and prevents me from obtaining credit. 

**Discrepancies Identified : ** 1. **Duplicate Reporting of XXXX XXXX  Account** - **Account Number** : XXXX - **Balance Owed** : Reported as {$500.00} on both XXXX and Equifax. 
- **Account Status** : Listed as " Open '' on both reports, which is misleading and creates confusion. 
- **Payment Status** : Indicated as " Late 120 Days '' on both reports without proper context or explanation. 
- **Dispute Status** : Both reports indicate " Consumer disputes - reinvestigation in progress, '' yet the same account appears twice, causing substantial discrepancies. 

2. **Lack of Clarity and Consistency** : - The reports lack specific information regarding the account, such as high balance, last verified date, and details about payment history, making it difficult for me to understand the nature of the debt. 

3. **Impact on Credit Scores** : - My current credit scores are reported as follows : XXXX : XXXX, XXXX : XXXX, Equifax : XXXX. The duplicate reporting and inaccuracies contribute to a distorted picture of my creditworthiness, making it challenging to secure credit or loans. 

These inaccuracies and duplicate entries violate my rights under the Fair Credit Reporting Act and have caused significant distress in my attempts to manage my finances. I have made several attempts to address these issues directly with the credit bureaus, but I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request a thorough investigation into these inaccuracies and the removal of the duplicate account reporting. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-05
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: 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

I dispute the validity of the debt as no agreement was signed by me. The debt collector failed to follow proper validation procedures and engaged in abusive practices, violating my rights under the FDCPA. I demand removal of the account from credit reports and compensation for the violations, or I will escalate to my attorney.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I HAVE SENT SEVERAL LETTERS AND I HAVE SENT MY DRIVERS LICENSE INDICATING MY CORRECT ADDRESS AND NAME IT STILL APPEARS INACCURATE ON ALL THREE BUREAUS.
Consumer complaint received 2024-05-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX  XXXX Balance : {$960.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$6500.00}
Consumer complaint received 2023-08-27
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. (NY)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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 2024-05-09
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-05
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: Experian Information Solutions Inc. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.