davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (GA)

I have received your computer -generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency.Not only do I believe this is a stall tactic on your part to grant you a additional 30 days to comply with my original requests, but I believe it to be blatant violation of the FCRA.I must express my deep dissatisfaction and disappointment I cant experience my credit with continued negligence displayed by your company in addressing these inaccuracies present on my personal credit report .Despite my numerous letters requesting a through investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears.It is important for you to understand by law, you are required to take immediate action upon receipts of such requests.Your credit reporting agency has been reporting has been reporting inaccurate and incomplete account information to my credit file. I am disstressed that these referenced inaccurate account are on my credit file your credit reporting agency have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and ay be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency may be liable for alse reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the noncompliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX 
XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. By law these should be deleted immediately off my personal credit report I even call the credit reporting agency and they told me they pay some type of subscriber code so because they pay it yall can keep it very unlawful n thats the reason why its verified thats very corrupt and is not still complying with the law or listening to me yall should be ashamed to be doing this to me Im on a fixed income n about to be homeless because of your careless mistake please remove in 4 buisness days or I will seek ligation.
Consumer complaint received 2023-07-12
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: Kikoff Inc. (NY)

There is an account from a creditor named kickoff being negatively reported, not only do I have no knowledge of this account but it's being reported twice as different accounts. 
This account seems to have never been used, the balance says {$24.00} I have tried to contact them via the phone # listed on my credit report but the phone # is disconnected and it says on the website they don't accept calls.The website says to fill out a ticket if there is a problem, however I would need an account # to which isn't available anyware. 
I looked into this creditor and it seems to be some kind of credit repair company where you pay a small amount of money for them to report positively on your credit report. 
So I never opened this account and there is no way to contact them and yet it is negatively being reported twice one as a closed account & one as a collection account and it says the balance owed is {$24.00}.
Consumer complaint received 2024-04-26
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. (FL)

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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Equifax is reporting a trade line that is not mine. It is an account previously owned by another consumer and included in bankruptcy in 2018. I was an authorized user at one time and they keep reporting this and the balance. I am not an authorized user and I dont own this account.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We have a small towing business and we used a credit card that was suggested from a bank member. Every month we made payment on this credit card since we see the balance on the personal account. We never had the statement on this credit card and to our knowledge the credit card was getting pay every month. After a year and half we got suspicious since the balance on the credit card didnt match our expenses so we called them and find out the the credit cards we paid was collecting a balance every month them were charging us fee. By the time we find out this problem our credit card balance was XXXX and had a financial charge of {$6000.00}. So I called them and I also wen to the bank and them were able to remove three months of financing charge, but my fees and all this troubles can be avoided since them never send us a statement or a phone call or anything. The business account was open on the 2009 and them confirm that we didnt log in on this account since 2009 since all the payment and activities was checked from our personal account. We work so hard to help people every day in all kind of conditions since we do XXXX XXXX  and this banks keep adding fees to our credit card balance with no mercy. We had to use all our saving to pay off the credit card balance since we cant afford to get anymore fees. This is not right. This is ugly. And the top of that the customer service when you call them are so cold people with no mercy for them customers.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, As a disgruntled consumer, I demand to be informed of the meticulous measures your organization undertook to validate the accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The law mandates that a consumer reporting agency must furnish to the consumer a detailed account as mentioned in section 15 USC ( 6 ) ( B ) ( iii ) - a notification stating that upon request by the consumer, a comprehensive explanation of the process utilized to ascertain the precision and integrity of the information must be supplied by the agency, which includes the name and address of any information provider consulted regarding said information and the contact number of said provider, if reasonably obtainable ; no later than 15 days following the reception of the consumer 's request for said explanation. I previously contacted your company to inform you that I am a XXXX Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NV)

This loan was associated with a XXXX XXXX XXXX purchased from XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX  around XXXX XXXX XXXXXX/XX/XXXX. However, the vehicle never arrived. I never had possession of the vehicle. The vehicle is financed through Navy Federal Credit Union. I never got insurance on the car because I never saw it in person. On XX/XX/XXXX, NFCU sent me a letter confirming that I am not responsible for this loan. Despite this information, the account is still being reported on my credit file, which is causing significant damage to my credit standing.
Consumer complaint received 2024-04-26
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. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

My mom passed away XX/XX/2017. And willed the home to my XXXX niece and nephew and made me executor of the estate. Prior to my mom 's death we quit claimed the home so it was in my niece and nephew 's name. The mortgage company now is giving us the major run around and not allowing us to transfer the mortgage over into my niece and nephews names and pretending both my parents are still alive. We have sent both death certificates and they acknowledge the got both death certificates. Along with the death certificates I sent the quit claim and a notarized will claiming me as executor and that the house is to be willed to my niece and nephew. And all this was sent certified mail and the U.S. Post office shows the entire package was delivered. 

So they are intentionally now are threatening foreclosure. My mom was my niece and nephews PAYEE for thier SSI and social security held back atleast three months of payments after my mom passed to find them a new payee. So there was a delay in payments but it was because of the Social Security Administration not by us. But either the way the mortgage bank is going to proceed with foreclosure and will not communicate anything about the mortgage because they are claiming my parents are still alive. This is very illegal what they are trying to pull. And we can not afford a attorney. We have a very limited income as I am a XXXX veteran. Please help us.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-04-26
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)

" Your agency is in violation!

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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Sigue Corp. (CA)

The landlord tried to cash the money order unable to because the company Sigue has gone bankrupt. The amount of the money order was for {$990.00} and it was purchased on XX/XX/XXXX and was attempted to cash on XX/XX/XXXX
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/202. I never gave written consent for a credit inquiry. Remove hard inquiry from the 3 credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc (NC)

After paying the debt creditors XXXX for the XXXX XXXX XXXX account ending in XXXX ) off for the collection, I asked if XXXX would send me something in writing showing that both accounts with XXXX XXXX were showing a {$0.00} balance. The document was sent to my email in which I printed off and made copies. 

I then sent the supported document certified mail to all three credit bureaus. I contacted XXXX and disputed several times about the {$250.00} balance that was still showing on my credit report and to no avail they refused to note that the balance is {$0.00}. 

Both XXXX and XXXX complied to my rights of reporting correct information. But, XXXX refused.
Consumer complaint received 2024-04-26
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: Experian Information Solutions Inc. (PA)

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 2018-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

For approximately one year, I have been trying to certify employment with XXXX XXXX to track payments for the public service loan forgiveness program. Every time I sent in forms, their customer service would tell me either the form was never received or one of their employees entered the information incorrectly, or there was a miscalculation with the number of qualifying payments. Each time they told me they would fix it and contact me and each time I am never contacted. Every time I call in, there is a new problem. They are intentionally stringing me along to prevent me from qualifying for loan forgiveness. I have all the documentation to prove my efforts for approximately one year and they still have not accurately tracked my eligible payments. I have only worked in public service, so all payments should qualify. They are giving me approximately two years of payments yet I have been working in public service for almost 7 years.
Consumer complaint received 2024-04-26
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. (GA)

I am writing to the CFPB to request the XXXX XXXX account be removed from my credit reports due to inaccurate information. 

On XX/XX/XXXX, I reviewed my credit reports and noticed XXXX XXXX was reporting two different last activity/account closure dates. 

XXXX reporting the account closed XX/XX/XXXX and Experian reporting the account closed XXXX XXXX, a XXXX-week difference. 

I disputed the accounts to Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
The results returning for Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Despite both bureaus conducting investigations, the disputed information remains the same while other account information was changed. Which begs the question, is this information true and correct?

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 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. 

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( 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. 

I am in the process of purchasing a home for my family and having this incorrect information on my credit reports is hurting me. Please remove this inaccurate information from my credit reports as soon as possible.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Subject : Request for 1099-C Form Hi, I hope this message finds you well. 

I have noticed that an item has been charged off on my credit report, but I did not receive the 1099-C form for this. Could you please send me the 1099-C form at your earliest convenience? 

If you have sent it to me previously when you should be, please provide proof of sending 1099-C. 

Discover Credit Card : XXXX Thank you for your assistance.