davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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
Consumer complaint received 2024-04-11
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. (LA)

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 2023-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

bank of America has violated my rights multiple times. the cfpb has allowed nonsense responses and has allowed bank of American to DEMAND that is stop trying to hold them accountable for their federal crimes. I now posses evidence from the dealership in question not just other banks. this shows how bank of America willfully, deliberately and with premeditation allowed this to happen after I requested evidence multiple time.
Consumer complaint received 2024-01-04
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}
Consumer complaint received 2023-12-28
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. (MI)

XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2023-12-27
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-12-27
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. (MI)

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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name XXXX XXXXXXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I was collecting money at the office to send flowers for a coworker. ( XXXX ) The money was sent to me from different people via PayPal . Upon my request, PayPal transferred the first {$99.00} to my bank account. Another {$99.00} came in. PayPal transferred {$30.00} to my bank account. When I asked them why the remaining {$69.00} was not showing as a balance on my PayPal account so I could initiate the transfer to my bank, I was told it was because I had placed an order for flowers using the credit card attached to my PayPal account. PayPal said they were holding the cash to apply the balance of the cash in my account to the flower order. I don't know why because the flower order was on the credit card issued by XXXX, not PayPal, and the contributions were sent to me in cash. I don't see anything about this practice on their website nor did I get a message when I placed the flowers order that PayPal would place a hold on the cash. The credit card attached to my PayPal account is with XXXX, not PayPal so payments to the credit card have nothing to do with PayPal. I immediately cancelled the flowers order so PayPal could release the cash. When I talked to PayPal, they said it would take a couple of days. When I log into my PayPal account it still shows a {$0.00} cash balance while showing a hold for authorization on the flowers order. The flowers order was placed on XX/XX/XXXX and cancelled within the XXXX says the order was also cancelled on XX/XX/XXXX. Yet, as of today, it's been 17 days and PayPal is still holding my cash for a credit card it did not issue to me for a cancelled order.
Consumer complaint received 2023-12-28
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. (AZ)

I am writing to dispute and request an investigation into the inaccurate information reported by XXXX on my credit reports. The account in question is currently in collections, and the reported information is not reflective of the accurate status of the account.
Consumer complaint received 2022-10-28
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent/negative accounts on my credit report under your bureau. It has come to my attention that these accounts, which have already been deleted by other credit bureaus, still persist on your records. This situation is not only unacceptable but also damaging to my financial standing and reputation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I find it perplexing that while other credit bureaus have taken swift action to rectify this issue, your bureau has failed to do so. It is crucial for you to understand the urgency and gravity of this matter. I demand immediate and aggressive action to remove these erroneous entries from my credit report. 

XXXX XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

These discrepancies are not only inaccurate but also tarnish my creditworthiness and financial integrity. I expect your bureau to uphold the same standards as your counterparts and promptly address and rectify this situation. Any further delay in resolving this matter will be considered a gross negligence of your duty and a blatant disregard for consumer rights. 

I have attached supporting documentation, including letters from the other credit bureaus acknowledging the removal of these accounts. I demand that you treat this matter with the urgency and seriousness it deserves, ensuring that my credit report accurately reflects my true financial standing. 

If these issues are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter through legal channels and file complaints with the appropriate regulatory bodies. I trust that it will not come to that, and you will take immediate steps to rectify this situation.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts are reported on my credit report. 
I have disputed and submitted in my IDENTITY THEFT report to XXXX, XXXX and Transunion. And they are not following the following listed code.

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2024-08-03
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-11
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. (AZ)

I am filing a formal complaint regarding the negative account listed on my credit report, as per the bureau 's records. 

I recently obtained a copy of my credit report and was dismayed to find several negative account listed. Upon reviewing the information provided by the bureau, I discovered discrepancies and inaccuracies that warrant immediate attention. 

This situation has caused significant distress and hardship, as it affects my ability to secure credit, loans, and other financial services. Therefore, I am seeking the intervention to ensure that these discrepancies are thoroughly investigated and rectified in a timely manner. 

I request that you conduct a comprehensive review of this matter and take appropriate action to correct the inaccuracy listed on my credit report. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these discrepancies. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance Owed : {$10000.00}.
Consumer complaint received 2023-12-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

This was a debt from a creditor of a management company that I took to court and was litigated, and one on my behalf case was dismissed on both parties, and all claims dismissed. I submitted this court document to the collection agency, and they are refusing to accept it, and I warn them of legal action, but still refused to remove it
Consumer complaint received 2024-08-03
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. (CA)

XX/XX/year> I sent certify letters off to Equifax XXXX and XXXX requesting the removal of inaccurate accounts on my credit report that are affecting me. I did include my two forms of identification. Accounts I disputed still remain on my credit report many that do not even say " currently in dispute '', accounts showing as an open collection, companies I have not heard of or recall having an account with such as XXXX. I asked them to validate an account called XXXX XXXX on my credit report and also all of these accounts I am mentioning have missing information, the payment history is not matching with the date accounts were open, there are just so many invalid entries that I can not understand or read my credit report properly so I am requesting that if the CFPB can not either, then to please request that the companies remove these. 

Today is XX/XX/year> I have not gotten any response from any of the listed companies. I was told that if they fail to respond I could escalate it to the CFPB and demand they remove the information since it has been past the 30 days for investigating. I heard this is the law. 

Please help me to remove this damaging information.
Consumer complaint received 2024-08-03
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. ()

I have unauthorized inquiries on my credit report, I've called multiple times and submitted multiple disputes via certified mail. I'm tired of calling them so this is my final attempt before i decide to take them to litigation. 
please have them remove the inquiries listed in the FTC report here they are listed again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-27
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX XXXX since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-10-01
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.