davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (NJ)

Pursuant to the matter concerning the accounts associated with XXXX XXXX XXXX, denoted by account numbers [ XXXX ... ], [ XXXX ... ], [ XXXX ... ], this communication serves as a formal notice of dispute, invoking the provisions delineated under 15 U.S. Code 1692g - Validation of Debts. This federal statute mandates specific protocols for debt collectors, and I assert that its violations are evident in the handling of the aforementioned accounts. 
* Contravention of Notice Requirements ( 15 U.S. Code 1692g ( a ) ) : * XXXX XXXX XXXX failed to provide the requisite written notice within XXXX days following the initial communication with a consumer regarding the collection of the debts in question. 
* The statutory provisions necessitate the inclusion of certain information in the initial communication, and the absence of such information requires a subsequent written notice. However, this procedural safeguard was not adhered to, infringing upon the rights accorded to consumers. 
* Debt Validation and Dispute Process ( 15 U.S. Code 1692g ( a ) - ( b ) ) : * The consumer, exercising rights under 15 U.S. Code 1692g ( a ) ( 3 ), hereby disputes the validity of the debts referenced. This dispute triggers the obligation for XXXX XXXX XXXX  to cease collection activities until proper validation is obtained. 
* It is imperative that XXXX XXXX XXXX furnish verification of the debts, copies of judgments, or, if requested, the name and address of the original creditor within the XXXXday period specified. The cessation of collection activities during this interval is mandated by statute. 
* Preservation of Consumer Rights ( 15 U.S. Code 1692g ( b ) - ( c ) ) : * The failure of the consumer to dispute the validity of the debts within the prescribed period should not be construed as an admission of liability. This statutory protection is fundamental in preserving the rights of the consumer in legal proceedings. 
In light of the foregoing, I demand that XXXX XXXX XXXX rectify these violations promptly and adhere to the stipulations set forth in 15 U.S. Code 1692g. Failure to do so may  result in legal consequences and further action to uphold consumer rights. 
Kindly acknowledge the receipt of this communication within XXXX  Days and provide a comprehensive written response outlining the actions XXXX XXXX XXXX intends to undertake to rectify these concerns and effect a lawful resolution. 
Your prompt attention to this matter is expected, and I anticipate a resolution that aligns with the statutory provisions safeguarding consumer rights.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I notified Equifax Informantion Services that someone tried on open a credit card using my personal information. I called the bank, XXXXXXXX XXXX and notified them that my i DID NOT try the open and account.. XXXX XXXX told me that they would stop the process completely and send out a notice of FRAUD. 
I placed a freeze on my eqifax account, and i was told to fill out a FTC.gov report. Once Equifax recieved your report they will start the process to remove the hard inquiry. Normally takes 30days.
Consumer complaint received 2023-12-05
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. (FL)

My XXXX XXXX  Credit card was stolen and I reported it to the credit card company. There were fraudulent charges on the account and I reported this to XXXX XXXX XXXX XXXX but instead of fixing the problem they closed the account and reported it negatively on my credit file. Whenever I dispute the account all the credit bureaus do is place the account status as under investigation and alter the past due amount reported and now they have marked this as a charge off account. I never received a 1099-C form in connection to this charge of status from XXXX XXXX  as well. Under 15 U.S.C. 1692g validation of debt I don't recognize the account status, the account high balance nor to I recognize the late payments associated with this account. Everything being reported does not meet the FCRA. Also as a victim of fraud I should be protected under 15 USC 1644 being that I did not authorize the charges made on this credit card below. I filed a identity theft report with FTC as well and provided a copy to all 3 credit bureaus but they refused to assist me. 

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 2024-05-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (CA)

Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX pulled XX/XX/XXXX, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX XXXX  Date of XXXX XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I am writing to file a formal complaint against XXXX and their continued incorrect reporting of a charged-off account on my credit report, which is now managed by XXXX XXXX XXXX a collection agency. The account in question was charged off and subsequently sold to XXXX XXXX in XXXX. Despite this, XXXX is still reporting the account as a charge-off under their management as of XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ), furnishers of information are required to promptly update and correct any inaccurate or incomplete information reported to credit reporting agencies. Furthermore, Section 623 ( b ) ( 1 ) mandates that furnishers investigate disputes received from credit reporting agencies concerning the accuracy of information reported.

This misreporting has adversely affected my credit score and my ability to secure credit, and it appears to be a clear violation of my rights under the FCRA. XXXX failure to report the accurate status of this accountspecifically, that it has been sold to a collection agencymisrepresents the actual status of the debt, thereby impacting my creditworthiness.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX and XXXX XXXX  XXXX yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX and XXXX XXXX  have refused XXXX XXXX this. The followings are the fraudulent accounts : XXXX XXXX XXXX  XXXX and XXXX BANK XXXX XXXX XXXX.
Consumer complaint received 2023-12-05
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)

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 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to correct or delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my original signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE or CORRECT all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be CORRECTED or DELETED immediately : 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 Unverified Inquiry
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Dear CFPB, I am reaching out in desperation regarding the bankruptcy on my credit report, which has made it impossible for me to secure housing. Despite having taken steps to move forward, this bankruptcy continues to haunt me, blocking every attempt I make to find a place to live. 

Each rejection I face due to this single mark on my credit report feels like a blow, deepening my sense of hopelessness. I feel trapped, with no way to escape the shadow of this financial mistake. This situation has left me feeling overwhelmed and defeated, as I can not find stable housing due to this bankruptcy. 

I urgently ask for your help in reviewing my case and determining if there is any way to mitigate the impact of this bankruptcy. My ability to find a safe and stable home depends on it. 

Thank you for your understanding and assistance.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/year> I disputed the charge off in the amount of {$690.00} with Experian and XXXX XXXX IRS Publication XXXX, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report. On XX/XX/year> my dispute was completed but the charge off for {$690.00} was not removed from my report. This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately . In addition, I have provided Experian with IRS Publication 4681 and 26 Section CFR 1.6050P.1 and 6050P.2, which clearly establish that a Form 1099-C must be filed and provided to the consumer. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance I am Requesting { {$1000.00} }.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (AZ)

I am writing to formally dispute several errors and mistakes that have been reported on my credit report by your agency. I have obtained a copy of my credit report from your agency and after careful review, I have identified the following discrepancies : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I placed a dispute with Citibank about a charge where services were not provided and/or were not up to the standard expected on XX/XX/year> via the phone. The service in question was rendered on XX/XX/year>. I received a request on XX/XX/year> for more information, and was given a deadline of XX/XX/year> to provide the information. The information was provided on XX/XX/year> with confirmation of receipt on XX/XX/year>. The decision was rendered within XXXX hours of the receipt of the additional information. I attempted to contact CitiBank this evening, XX/XX/year>, to establish the reason for the rejection of the dispute, but all I got was an automated message in the phone system that the dispute was closed and that the details of the ruling would be sent via mail within the next XXXX hours. I couldn't appeal the decision. 

I am filing a complaint because it was rendered in such a time that it was impossible to contact the merchant as it was after business hours, which leads me to believe the decision was already pre-determined at that time. I provided all details of correspondence and pictures of the defective services/products in a narrative document that I was asked to give to CitiBank. There should have been more than enough evidence to get my dispute resolved in my favor, as the advertising was clearly deceptive and I was not provide the product that I paid for nor expected.
Consumer complaint received 2024-07-05
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 submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-13
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)

you are reporting the incorrect balance and credit usages on my credit report. You have XXXX XXXX, experian, XXXX and credit seames reporting inaccurate information which is effecting me from getting a mortage loan. 
I have also paid all XXXX  credit collections on my credit and asking that they are removed off my credit report. 
I have XXXX  credit card reporting XXXX balances and you are reporting incorrect balances
Consumer complaint received 2023-12-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (WV)

On XX/XX/XXXX of 2023, I applied for forbearance with Sallie Mae. I was approved for said forbearance and payments were made toward all four of my loans from the company ( that they refuse to consolidate ). At that time, they check both mine and my mother 's credit, affecting both of our credit scores negatively. 
We made payments toward all of the loans every month, but continued to get threatening emails saying that the loans were in danger of defaulting. I contacted Sallie Mae again on XX/XX/XXXX of 2023, and they once again said I hadn't been approved for forbearance even though my mother and I had been making payments in the agreed upon amount when we were approved in XXXX. They then said I had to make the payment in order to be approved for the forbearance in spite of being able to see that the payment for XXXX had been made in the same amount they were requesting for the forbearance. 
I told them I couldn't afford to make two payments of the same amount in the same month, and that I would pay the following month. 
My mother contacted them on XX/XX/XXXX of 2023 in order to be approved for forbearance ; they checked both my and her credit again, negatively affecting our credit scores for a third time. 
At that time, I received an email from Sallie Mae stating I had been approved for forbearance. When I called again in XXXX to make a payment, they informed me I owed way over the amount that I was supposed to pay upon being approved for the forbearance again, and then said I had used all of my forbearance even though I had just applied in XXXX and they continued to state that my loans were going to default. My account was never actually in forbearance, and they have not followed through on what they stated in an email sent on XX/XX/XXXX.