davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (DC)

XXXX XXXX XXXX 15 U.S. Code 1692, 15 U.S. Code 1666, and 15 U.S. Code 1601. Additionally, under 15 U.S. Code 1681, the IRS explicitly states that a cancelled debt or charge off is considered income and should not be reported as a debt. The continued reporting of this account as a debt on my credit report is not only inaccurate but also damaging to my financial standing.

1099-C form indicating the amount of cancelled debt associated with the XXXX XXXX XXXX XXXX account XXXX I demand that Experian take immediate action to remove this account from my credit report within 24 hours to rectify this error and prevent further harm to my credit score or severe consequences. Pursuant to federal consumer protection laws, including but not limited to 15 U.S. Code 1681, I reserve the right to seek punitive damages of {$250000.00} and more if Experian is found to be damaging my credit report intentionally. 

I expect prompt resolution removed from my credit report
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  Account Number- XXXX. I just received a copy of my credit report I noticed that you guys are reporting this account incorrectly this collection account is reporting not only OPEN, but also shows the past due balance of {$650.00} according to the FCRA, I have a a right to a accurate credit report please remove this account immediately from my credit report please provide me a new copy of my credit report reflecting this account upon completion
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Pursuant to the provisions set forth in the Fair Credit Reporting Act, I wish to bring to your attention the violations committed by the following accounts, which have infringed upon my federally protected consumer rights to privacy and confidentiality as stated in 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681, Section 602 A, I maintain the right to privacy, which has been compromised in this situation. Furthermore, according to Section 604 A, Section 2 of the same statute, a consumer reporting agency is prohibited from furnishing any account without my explicit written instructions.

Additionally, in accordance with 15 U.S.C 1681c. ( a ) ( 5 ) Section, it is explicitly stated that no consumer reporting agency is permitted to include certain types of information in a consumer report. This includes any adverse item of information, except for records of crime convictions that occurred more than seven years prior to the report. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish inaccurate information relating to a consumer to any consumer reporting agency, provided they are aware of the inaccuracy or have reasonable cause to believe so. 

I trust that you will address these violations promptly and take appropriate actions to rectify the situation. Thank you for your attention to this matter.
Consumer complaint received 2024-05-27
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. (MA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The account has not been late on payments I've attached a copy of my report to the complaint on the following dates ( XX/XX/2022 - XX/XX/2022 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2020-12-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The company failed to respond within the legal allowed 45 days initially. A certified letter was sent on XX/XX/20 There should be no more conversation about this matter. You did not get back to me within the time and could not verify within that time. The accounts in question should be immediately deleted.
Consumer complaint received 2024-05-27
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-27
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have rights 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 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/24 Received a notification from a credit monitoring program that I was 30 days late on payment. I have all of my cards set to have automatic minimum payments just in case. 

I have another account with them that autopay was active. They could not explain why this account suddenly did NOT have autopay. 

I paid the required amount immediately upon discovering the issue, and set up autopay again. 

I have been on time with my payments for many months, and this issue has caused a significant credit score drop. I just want to be clear that I did NOT suddenly become irresponsible, but that there was an issue with the credit card suddenly being dropped inexplicitly from AutoPay.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

I am an XXXX XXXX XXXX XXXX, forward stationed in XXXX. 

On XXXX XX/XX/XXXX, I tried to remove a security freeze from my Experian profile in order to get move forward with a mortgage pre-authorization. After submitting all my information, the website gave an error that " We are unable to honor your request. '' It included information about how to submit documents and payment for various services. Despite the header of the new page reading " Experian - Remove a security freeze '' the options for " I am requesting : '' at the bottom of the form were all in relation to getting a credit report. There is a final option for " Other ( please explain ). '' I attempted to contact Experian on the phone, during business hours, but was unable to get a real person on the line, despite trying multiple phone numbers. The automated system provided no information and wasn't even able to find my profile. I tried calling back multiple times to test all the options, and many of them lead to the automated system simply hanging up the line.
Consumer complaint received 2022-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

Request Re-Consideration of Qualifying Payments for XXXX XXXX Military Service Issue : Not getting full credit for Prior XXXX XXXX Military Service for XXXX in accordance with Waiver. 

I had 2 Direct Consolidations before XXXX for account history to credit time before then in accordance with waiver. 

My XXXX XXXX XXXX XXXX started in XX/XX/XXXX ( uploaded to XXXX XX/XX/XXXX ) Requesting XXXX XXXX XXXX Military Qualifying Payments be Credited to Qualifying to my account from the Dates XX/XX/XXXX thru XX/XX/XXXX ( 22 Qualifying Months ) & XX/XX/XXXX thru XX/XX/XXXX ( 5 Qualifying Months ) Supporting Documentation is A. Retroactive ECF Form from my XXXX XXXX XXXX XXXX ( Review A & B together ) B. DD-214 Honorable Discharge Paperwork ( Review A & B together ) C. Snapshot from Student Aid website that shows my loans prior to XXXX that XXXX could not see to give those 27 months of credit. 
D. Department of Education XXXX Fact Sheet ( Yellow Highlight shows XXXX XXXX will be Honored as Qualifying ) Desired Solution : Please review Supporting Documentation A, B, C to credit 27 additional qualifying payments for my XXXX XXXX XXXX time. Only Dept of Ed can see my Account History on Step C to show I had loans that pre-date XXXX to credit my XXXX XXXX Military Service. 

Tracking Forgiveness should be no later then XX/XX/XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (FL)

I bought five prepaid credit cards from XXXX as gifts for {$500.00} each. I found out with the first one that there are problems as it didn't work. I tried calling the company from the number on the back but it is very difficult to reach anyone and you just get stuck in a circle. I did find a way to reach a person ( Long story to how ) and they said this was a rare case and unlocked the card. However, it happened again with the next two cards and the last two I was told needed to be replaced and they would send new ones which at the time of this complaint I have not received. There is much more to this and would be happy to follow up but this is a clear scam as they hope receivers of these gift cards will just give up, trying to get information on this company or contacting them is near impossible.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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: Experian Information Solutions Inc. (TX)

I pulled copys of my credit reports and noticed FRAUDULENT INQUIRIES AND PERSONAL INFORMATION that needs to be DELETED within four business days of receipt of this letter and updated. Pursuant to 15 USC 1681c-2, I DID NOT originate nor authorize these fraudulent accounts to be reported to ANY credit bureaus. PLEASE SEE IDENTITY THEFT REPORT ATTACHED.
Consumer complaint received 2024-05-27
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. (PA)

Why are these negative accounts still on my credit report. I have sent several letters for these accounts since XX/XX/XXXX but they still have not been removed. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$19000.00} XXXX  XXXX XXXX. XXXX, XXXX {$190.00} XXXX XXXX XXXX  XXXX. XXXX, XXXX {$520.00} XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXXXXXX. XXXX, XXXX {$520.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I requested incorrect information removed from my report. There were old addresses, phone numbers, names, jobs, banking information from several companies. I reside at XXXX location, I have XXXX phone number. A lot of personal information there that doesn't need to be there. I sent letters to all three consumer reporting services with no results only XXXX sent a credit report after I asked for a free annual report. All three sent an ad for additional services at a cost but no free annual report. There are soo very many soft pulls of my credit that I did not authorize almost fifty maybe more. This is so very unfair your assistance in this matter would be mist appreciated. Thanking You in advance.
Consumer complaint received 2024-05-27
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. (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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2019-06-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HEAD MERCANTILE CO., INC. (SC)

Between XXXX and XXXX of 2018, I received a call from another XXXX XXXX located in Utah stating he was getting collection calls and mail for me regarding a medical debt. Somehow, this person was given my work direct line which was likely provided by the collection agent, and called me directly at work to notify me of the collection. I hadn't received ANY mail from this entity, so this was the first I'd heard of HMC group. 

I contracted HMC group directly and advised them that we'd actually spoken to the hospital and our insurance provider directly, and our insurance told us this should've been covered and no balance remaining, so we put our insurance into contact with the hospital in Ohio. We didn't think anything of it as we thought it was handled. I explained all this to the collection representative. At which point, a manager ( male ) took over the call, and asked how I wanted to resolve it. I explained the situation again to him and advised him I've received NO mail from them and asked them for validation of debt as I believed this was handled by our insurance provider. He ignored my request and continued to forcefully ask how I wanted to resolve. I told him I'm not doing anything until I receive mail from them and asked them why they were intentionally contacting the WRONG person when they likely already had my contact information. He got defensive and said if I'm not paying it will continue to damage my credit. Note I track my credit on XXXX  XXXX and hadn't seen any medical debt notices, so I advised him it's not on my credit ( turns out XXXX  doesn't report to XXXX XXXX, which is why I didn't see it ). He said he was going to personally 'make sure ' it's reported to my credit bureau then and then he hung up on me. 

So, in short, they're guilty of the following : - intentionally calling the wrong XXXX XXXX on the west coast in Utah and mailing my personal information to this other person, and providing my work direct line for this other XXXX to call me at work. 

- threatening and following through on actually reporting the debt to be CBR without providing any mail to me, or validation of debt which I requested.
Consumer complaint received 2024-06-11
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)

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. 

Inquiries : 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 XXXXXXXX  - XX/XX/XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX - Incorrect Previous Address XXXX - Incorrect Date of Birth
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (HI)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.