davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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 am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-16
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 2024-03-21
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: EQUIFAX, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-16
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. (MI)

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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

I have followed the process that Experian requested of me to remove fraudulent information on my credit report. They take no action, and do not allow me any access to their findings, the results of the disputes, nor my credit report. See attached.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CO)

I have been directed to create this CFPB report, as part of the process of working with CSID, a part of Experian, to remove a fraudulent account from my credit report by the XXXX XXXX company. Recently, the Experian CSID representative has assisted me with requesting the removal of the XXXX account from the report by calling their support number, emailing a removal request, and sending a physical request to remove the account due to identity theft. The XXXX company refuses to take action. However the entire process has been going on for almost XXXX years. 

The long list of my efforts to clear this up includes : - Reporting my wallet, identification, and credit cards stolen in XX/XX/XXXX - FTC Identity Theft report filed and sent to XXXX in XX/XX/XXXX - Calling XXXX support number to cancel my account in XXXX, XXXX, XXXX, and XX/XX/XXXX - Contacting XXXX legal department in XXXX and XX/XX/XXXX, which the lead legal representative for the company confirmed it was closed, and that I was not liable - Previous CFPB complaints in XXXX, XXXX, XX/XX/XXXX, since the account wasnt closed or removed from my name - Disputes to XXXX and XXXX in XX/XX/XXXX, where they confirmed the identity theft and removed the fraudulent account - Follow up FTC Identity Theft reports at the request of XXXX in XXXX and XXXX, XXXX - XXXX sent the account to collections, so I disputed them with FTC, CFPB, and credit agencies in XXXX, XXXX, XX/XX/XXXX - Federal Reserve investigation request in XX/XX/XXXX, confirming the identity theft - Previous CFPB complaints in XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX - Ongoing monthly disputes to XXXX and Experian to remove the fraudulent account from the report, with no action taken yet
Consumer complaint received 2024-03-21
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-16
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. (NC)

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 2024-03-21
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-01-17
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. (CO)

Violation of FCRA law in regards to Experian needing to remove an account that is the result of identity theft. 

A financial company called XXXX has an account with my name on it that is the result of identity theft. It needs to be removed from my credit report. Evidence that I have sent in : * multiple FTC identity theft reports from early XXXX to recently in XXXX * police report that I originally filed * call logs from early XXXX when I called to cancel * they also conveniently get disconnected every time I call into talk to them * emails from their customer support and legal team that the account was closed * multiple collection agencies that they try and send this too look at the evidence I send and remove their claim as they see it's clearly fraud, and not surprisingly XXXX never responds, and then sends it to some other collection agencies * they have tried to push blame on this to XXXX XXXX in Arkansas * the Arkansas banking department confirmed they aren't really involved * the California banking department forward the CFPB complaints too, again with no response, but claim they can't do anything because XXXX is under the Federal Reserve * the Federal Reserve said they violated laws and this was clearly fraud/theft * they have tried to change their name on my credit report ( attached ) - several times I had XXXX XXXX  as the reported account name instead of XXXX  - you can look at the past requests I sent in to Experian to remove that after I spent multiple tens of hours on their support line confirming the actual XXXX XXXX has none of my information * XXXX agrees this if fraud and don't trust XXXX so they quit accepting their submissions for my report * XXXX agrees this if fraud and don't trust XXXX so they quit accepting their submissions for my report * And the company they partnered with ( XXXX  ) for this card has filed bankruptcy ( XXXX  ) and a lot of the key dates related to that ( full timeline here ) are in the summer and fall of XXXX when the fraudulent charges kept showing up on the card that I asked to close in early XXXX. It seems the most likely answer is they lost a ton of money due to this deal and are trying to pass on losses/expenses to former card holders.
Consumer complaint received 2024-06-12
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: Security Credit Services, LLC (TX)

This account does not belong to me and I have had XXXX help from the credit bureaus or company to get this removed. I've been disputing this account all year. The account is from SECURITY CREDIT SERV ( XXXX ) and I have yet to receive any validation from this company or the original company. I want this account removed from my credit report immediately.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: New Century Auto Sales, Inc. (OH)

XXXX has all of my info, some right. Most info mainly most wrong... but they do not have this info that shows correct documentation nor the issue of the disputes. nor can you place any uploads to show that you creditors is breaking laws under the fair credit acts. 
it's really a shame that we the USA has such a horrible consumer abusive credit system. we really need a better system. Consumer protection why have these unreliably credit bureaus, save us taxpayers some time and money by closing them and just you guys the consumer protection run things, we consumers must always come and cry to you people anyway because these horrible 3 national credit bureaus never get anything most right, they ruin consumers lives, they allow massive inquires and then the consumer like you will see samples of must suffer. I am sending you the exact same info that I need for the Consumer Protection Agency to get tough with XXXX to get them to do my updates plus get a better website for consumers to upload info. Cut us consumers a break huh ... I know I only speak for me that I am sick and tired of paying for lawyers in this bad XXXX economy, can we all get on the same page so I can have money to pay my bills on time not lose my apartment home. and can not get another apt . home in my name due to faulty info on my national credit reports.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am reaching out to address a discrepancy regarding the reporting of my student loan account by XXXX. While XXXX itself reflects a balance of {$0.00}, this information has not been appropriately reported to the credit bureau. As a result, my credit reports continue to display an outstanding student loan balance. 
Despite successfully meeting all requirements of the Public Service Loan Forgiveness ( PSLF ) Program and having my loans forgiven, the failure to update my credit reports has led to ongoing confusion and potential repercussions for my credit score and financial standing. 

I urge the CFPB to investigate this matter and ensure that XXXX promptly updates its reporting to accurately reflect the forgiven status of my loans on all credit reports. It is crucial that this discrepancy be resolved to prevent any further negative impact on my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-16
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. (NC)

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 XXXX party. They in fact did not come from a XXXX 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 2024-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Williams & Fudge, Inc (PA)

XXXX XXXX XXXX filed a claim to the court of common pleas of XXXX XXXX, for unpaid tuition from fall XXXX - spring XXXX in the amount of {$19000.00}. I was not able to secure finical aid, which I was able to do in the previous academic year XXXX, and was withdrawn from the university and not allowed to attend. At that time emails were sent to my instructors to not allow me to attend classes, not able to eat in the cafeteria, ect. The university claims is was re-instated as a student, which I dispute did not happen. The university filed the claim with the court XX/XX/XXXX, but I was never notified about the claim prior to a judgement being passed. I was never given the opportunity to defend myself in court. The university then had a collections agency garnish my entire life savings 14 years later on XX/XX/XXXX. Due to the time that has past, 14 years, the debt collected interest and Ive been garnished/billed the sum of {$57000.00}. I am now in a position where I can not pay bills, purchase food, gas or pay future debts like mortgage, student loans ect.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Sklar Law LLC (PA)

XXXXXXXX XXXX XXXX filed a claim to the court of common pleas of XXXX XXXX, for unpaid tuition from fall XXXX - spring XXXX in the amount of {$19000.00}. I was not able to secure finical aid, which I was able to do in the previous academic year  XXXX, and was withdrawn from the university and not allowed to attend. At that time emails were sent to my instructors to not allow me to attend classes, not able to eat in the cafeteria, ect. The university claims is was re-instated as a XXXX which I dispute did not happen. The university filed the claim with the court XX/XX/XXXX, but I was never notified about the claim prior to a judgement being passed. I was never given the opportunity to defend myself in court. The university then had a collections agency garnish my entire life savings 14 years later on XX/XX/XXXX. Due to the time that has past, 14 years, the debt collected interest and Ive been garnished/billed the sum of {$57000.00}. I am now in a position where I can not pay bills, purchase food, gas or pay future debts like mortgage, XXXX  loans ect.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 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 2024-03-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/year> an unauthorized payment of {$100.00} was drafted from my account by Synchrony Bank. I have never set up automatic payments with XXXX XXXX or Synchrony Bank. I'd already made a payment of {$53.00} on XXXX. I've had repeated issues with this bank and find them to have unethical business practices. I've experienced them closing my account without warning which in turn damaged my credit. They have also reported my account as late after listing the incorrect information on my account. Every month my payment has changed from {$48.00} to {$53.00} and now this month I was charged {$100.00}.
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 — Public record information inaccurate
Company: DISCOVER BANK (MD)

On or around XX/XX/2023, Discover violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with Discover. I have been diligently paying off my credit cards in an effort to buy a house and Discovers actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe Discover intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my Discover balances to the new card.