davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

All fraudulent accounts for 2 Capital One Credit Cards Please help.

one balance is over {$5000.00} and the other is over {$1000.00} Please help me with removing these fraudulent accounts.
Consumer complaint received 2024-04-10
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. (CA)

I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.
Consumer complaint received 2024-04-10
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 am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : XXXX, XXXX, and Experian. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history.

These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate.

Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports.

I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
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: Experian Information Solutions Inc. (MS)

I was checking my consumer report and saw a bunch of credit inquiries not recognized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (GA)

The account open date is according to Experian is XX/XX/2019. The date that is considered the open date has been inconsistently reported. On XXXX, the opening date is XXXX XXXX. If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted the inconsistent and inaccurate information.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Request for Assistance - Discrepancy in Credit Reports Following Loan Forgiveness Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter related to the forgiveness of my student loans through XXXX, and the subsequent discrepancies in my credit reports. I believe your office can provide valuable assistance in resolving this issue. 

Identify the Problem and the Reason Behind It : Recently, my student loans with XXXX were officially forgiven on XX/XX/2023. The forgiveness resulted in a XXXX balance, and my accounts are currently in good standing. However, despite this forgiveness, my credit reports inaccurately reflect that the accounts are still open and active. 

Define Expectations : In seeking your assistance, my primary expectation is to rectify the inaccuracies on my credit reports. I anticipate that, with your intervention, the correct status of my student loan accountsclosed with a XXXX balancecan be communicated to the credit reporting agencies. 

Describe Actions Already Taken to Resolve the Problem : To address this issue, I have taken the following actions : - Contacted XXXX to verify the forgiveness and status of my loans. 
- Obtained documentation from XXXX confirming the forgiveness and a XXXX balance. 
- Disputed the inaccuracies with the credit reporting agencies, providing them with the supporting documentation. 

Despite these efforts, the credit reports continue to incorrectly reflect that my student loan accounts are open and active. 

Supply Documentation to Support My Position : Enclosed with this letter, you will find copies of the relevant documentation from XXXX confirming the forgiveness and a XXXX balance. Additionally, I have included copies of the dispute communications sent to the credit reporting agencies. 

I kindly request your assistance in investigating and resolving this matter. The inaccurate reporting is adversely affecting my credit profile, and I believe that the FSA Ombudsman Group can help ensure that the correct information is communicated to the credit reporting agencies. 

Thank you for your attention to this matter. I am willing to provide any further information or clarification that may be necessary. I can be reached at XXXX or XXXX.
Consumer complaint received 2023-11-06
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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.

This company has not validate any debt.
Consumer complaint received 2024-04-10
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)

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX XXXX  account # XXXX
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MN)

I changed banks and needed to switch the account my autopay was coming out of starting after my payment due on XX/XX/year>. My servicer would not let me just switch my banking information, I had to set up a whole new auto pay request and cancel my old auto pay, which I did and was provided with email confirmation that it was set up. On XX/XX/XXXX, my next due date for payment, my payment was not withdrawn from the account, so I called my servicer and asked if my payment went through, they told me it can take up to 1 billing cycle for auto pay to work and that it was showing on their system as active. I disputed the interest being charged as I was entitled to the BIP discount of .25 % for having autopay, and the representative I spoke to stated he would note my dispute and that my payment was scheduled to come out XX/XX/year>. On XX/XX/year>, I again noticed my payment did not come out, I again called into the servicer who informed me that I was not set up for autopay and that there was some sort of glitch in their system. I was escalated up to a supervisor who informed me that my previous dispute was on their file, but was never looked into and that I would get confirmation of a resolution regarding my not getting my interest deduction promptly and that now my autopay is properly set up and would be backdated to XX/XX/year>. I then received a letter dated XX/XX/year> stating that my autopay did not properly go through, but their processing team as activated auto pay effective XX/XX/year>. I then received a letter dated XX/XX/year> stating I can not have the BIP reduction because autopay was reactivated XX/XX/year>, in direct contradiction to their previous letter stating it had been activated as of XX/XX/year>. I called my servicer regarding this, and after 30 minutes of back and forth, they refused to locate the letter they sent me and said all they could do was further research the issue, even though I have called in 3 times regarding this very issue.
Consumer complaint received 2023-12-26
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)

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 Account NumberXXXX 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 2024-07-28
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. (PA)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Consumer complaint received 2024-04-10
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. (TX)

I received a letter on XX/XX/2024 stating my dispute was fraud, frivolous, or irrelevant. My XXXX  received the exact same letter the same day! All of my letters were my words ( not a credit repair company ). I included additional supporting documentation regarding my dispute with very detailed reasons why it should be deleted from my report immediately. It was signed with a wet signature. 

Provide proof of what makes you think my dispute was fraud, frivolous, or irrelevant. 
I request you send my original letter back to me with an explanation of how you came to this conclusion. 

Your letter failed to identify which dispute this is regarding in a manner I could interpret. File number XXXX does not help me find which dispute needs to be resubmitted Your letter failed to inform me of what additional information is needed ( see FCRA 611 ( 15 U.S.C. 1681I ).

I received an email from Experian not a letter.
Consumer complaint received 2024-07-23
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. (TX)

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 2023-09-24
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: Mercedes Benz Financial Services (ME)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
Consumer complaint received 2024-04-10
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2024-04-10
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 SIction 604 A Section 2 : It also states a consumer XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Balance : {$14000.00} {$14000.00} {$14000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$31000.00} {$31000.00} {$34000.00}
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act and 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2024-02-28
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: CCS Financial Services, Inc. (FL)

Credit collection Services is reporting on all my credit reports that I had insurance with XXXX insurance which I Did but I called and cancelled my insurance because I moved to New Hampshire were I didn't have to has car insurance. Car insurance is not required in New Hampshire. The are saying I didn't call and cancelled and they just automatically renewed my insurance even though I didn't want them to. I want proof that I didn't call and cancel I cancelled asked for proof under credit section 690 they must provide me proof I didn't call and cancel if the can't prove I didn't call the must delete from credit reports immediately
Consumer complaint received 2023-11-06
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. (AZ)

I requested a home equity line of credit from my XXXX XXXX. Within XXXX seconds of hitting submit, I started receiving phone calls, emails and text messages from lenders. I have received over XXXX phone calls in the past XXXX weeks. Every time I try to use my phone, another call comes in and I end up accepting the call rather than dialing out. I do not want to have to change my phone number because of their actions. 

This is a flagrant abuse of their privileged access to my credit report and mortgage inquiry.
Consumer complaint received 2023-10-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NATIONAL DEBT RELIEF LLC (SC)

A few days ago I received an email from a XXXX with a debt collection company called National Debt Relief , LLC. It stated that I had a past due amount of {$1800.00} with the loan business XXXX XXXX and that it was a final attempt to collect the debt. I did recall using XXXX XXXX back in XXXX  and to my knowledge had completely payed off the loan. They also threatened to inform my employer, take legal actions and to charge me {$4600.00} if I didn't accept one of their 3 payment options. 
At that time I began looking into it because at a first glance it looked to be a legitimate email from an attorney and legislator. Even using the XXXX XXXX logo header. 
So I did some searching around and saw that XXXX XXXX is an XXXX Texas congressional representative and there is a National Debt Relief but it's in New York. Also the other attorneys I was told to contact XXXX XXXX and XXXX XXXX appear to both practice law but one in South Carolina and the other in California. 
That's when it became obvious what it really was. 
So I called the business directly where I had gotten the loan from and they assured me I was in the clear and had made all my payments on time and had satisfied the loan years ago.
Consumer complaint received 2023-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

The credit bureaus have been playin scare tacted games to the point they lie and dont even want to dispute or remove inaccurate accounts that seem to misleading all creditors when i try to apply for credit i get denied because of the mislreading and inaccurate the credit bureause report. I have sent letters and even faxed asking and showing proof of how they are violating my consumer rights. Then they will respond to the CFPB like they are following the laws and consumer rights. I have several upload and document to show and prodd what they send me when i request for accounts to be removed or verified correctly.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX reached out to my daughter about not being able to reach me and advised my daughter about the situation. I have no voicemails from XXXX XXXX or anyone else from this company. I thought this was not legal? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Midland Credit management