davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

" 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within XXXX weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( XXXX ) at your earliest convenience. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-06-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (TX)

On XX/XX/2024, I received notification from the credit reporting agencies that a collection account was added to my reports with them without mu knowledge of who this company is. I never received anything in writing through the USPS to be able to dispute, seek validation and equitable claim.

this company has dropped my credit scores by XXXX points with the 3 credit agencies.

The original company XXXX was audited by the IRS and charged off this amount that was filed with the IRS. 

They are in violation of XXXX XXXX and reporting requirements to report to the credit agencies of submitting writing proof through mailing to the credit reporting agencies first before they could use the electronic scoring and reporting system. 

I've filed a XXXX and XXXX against both the collection company and XXXX with the IRS.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-12-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

In XXXX 2015 I requested and signed with Banco Popular of Puerto Rico to enter the Loss Mitigation Program since I was having some difficulties to pay my monthly mortgage payment. I submitted the documents to the bank as they requested, including XXXX financial statements prepared by an Accountant. Surprisingly when I was in good faith negotiations with the bank, I received a letter from a XXXX attorney and his XXXX Firm that my file was sent to them in order to file a foreclosure lawsuit against me. My attorney called them and explained that there must be a mistake since we were negotiating with the bank under the Loss Mit Program and never received a communication from the bank denying my request. The file was sent back to the bank to continue the Loss Mit Process. I also tried to pay the due amount of the mortgage payments but the bank conditioned the payment that I also pay {$500.00} for the previous lawyer services. I have email evidence of this. The bank sent me an invoice of this legal fees from XXXX XXXX XXXX XXXX a company in the U.S. My attorney called the bank 's XXXX attorney that sent me the letter and he said that the Firm did n't sent an invoice to the bank for such legal services. I have evidence of this. I sent to the bank the due amount monthly payments without the {$500.00} for legal services and the check was returned via mail to me. To this day I 'm under the Loss Mit Program in good faith negotiations, sent already a THIRD financial statement three weeks ago since they wanted XXXX updated and by my surprise I was summoned today with a Foreclosure Lawsuit from Banco Popular of Puerto Rico even when the bank never sent me any type of communications denying my application under the program. I have evidence of the communications by email with the bank, the invoice from XXXX XXXX XXXX XXXX, the application I signed to enter the Loss Mit Program, among other documents. Today I called the bank and the employee that is working my case told me that being under the Loss Mit Program does n't protect me from being sue by the bank in foreclosure. I understand that the Federal Laws and Regulations require that I first need to be notified with a communication from the Loss Mitigation Program denying my case before being sue in foreclosure.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I previously disputed these accounts with Experian. I let them know these accounts were not reporting accurately. According to the IRS when a account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in regards to the following charged off accounts listed below. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with the charge-off and I had to file the balance XXXX  XXXX {$3500.00}, XXXX BANK {$2000.00} and XXXX XXXX XXXX XXXX XXXX as income on my taxes. these accounts can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX part. Delete these accounts from my credit report immediately for inaccuracy! 
These accounts are charged off TWICE which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that Experian allowed to remain on my credit report. The accounts are not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Experian told me the the accounts remain with all the inaccuracies. Please delete these accounts effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ), ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate accounts from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. 
All three credit bureaus have different dates and amounts for these charged off accounts.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account for XXXX was paid in full on XX/XX/2018 and disputed with XXXX. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2024-05-01
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. (MS)

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 2024-06-27
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: JPMORGAN CHASE & CO. (OH)

OnXX/XX/2024, I received an alert through XXXX XXXX and XXXX that my credit was ran for a credit card application through Chase Bank. I went through the process of reporting this as fraud as I did NOT apply for a credit card. XXXX was able to connect me with Chase where they closed the application and marked it as fraud. XXXX also put a hold on my credit report for 1 year so anytime I ( or someone ) attempted to open any line of credit or take out a loan, the bank would have to notify me to confirm this. 

On XX/XX/2024, I received another alert through XXXX XXXX and XXXX that my credit was ran again for another credit card application through Chase Bank. Once again, I ran through the steps to mark that application as fraud and this time I placed a freeze on my credit report through XXXX. I worked with XXXX to close the application at Chase and they marked it as fraud.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am deeply troubled by the inclusion of a late payment on my account, as my payment record has always been prompt. This issue is causing me a great deal of distress, and I urge you to rectify the error by removing it from my account without delay.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally notify you of my intent to file a complaint with the FTC regarding your disregard of the law. Despite the fact that you received and accepted my dispute letter and follow-up letter via registered mail on ( insert date ), you have failed to comply with federal law and respond within the required 30-day period. This is unacceptable, and I intend to hold you accountable.

According to federal law, credit reporting agencies must respond within 30 days, and failure to do so may result in investigation by the Federal Trade Commission ( see 15 USC 41, et seq. ). As I have not received a response from you to date, I am keeping a careful record of my communications with you on this matter, with the intention of filing a complaint with the FTC should you continue to be non-compliant. It is important to note that, as established in the case of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be held liable for your willful noncompliance.

For the record, I would like to reiterate that the following information is being erroneously included on my credit report, as I have informed you on two previous occasions : The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX If you do not immediately remove this inaccurate and incomplete information, I will be forced to file a formal complaint with the Federal Trade Commission. Furthermore, if you continue to operate in non-compliance, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. I am carefully documenting all events related to this matter, including your lack of response, which is required by law. 

I also request that you provide me with the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. I find these delays to be inexcusable. 

Finally, I am requesting a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within 15 days of the completion of your re-investigation. 

I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX, Acct # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provided the names and business addresses of each individual with whom you verified the above, so that Imay follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-05-01
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. (IL)

I was a victim of a robbery a year or so ago. Unfortunately, when they took my money, phone, and wallet, they decided to take my identity. I've been battling with the Credit reporting agencies for months in an attempt for them to block the information from my consumer report.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-01
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 am writing to delete the following information from my file. The items I deleted are listed in the report I am big team of identity theft and I did not make the charge. I reported the theft of the federal of my identity to the federal trade comission and I also have enclosed copies of the federal tray, comission identity, theft, affidavit. Please delete this items as soon as possible.