davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
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)

Starting in XXXX i have sent several dispute letters to XXXX with all my proper documentation and nothing has been resolved, XX/XX/XXXX i submitted my FTC report, official police report and all the accounts that do not belong to me and nothing has been done, per XXXX  the accounts are coming back as verified more than 30 days later, on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX i submitted all the documents again and i keep getting the same results, this is an ongoing issues with transunions and i would like my credit file updated and accurate.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of a fraudulent accounts on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, these accounts remains on my Equifax credit report. 
Upon discovering these fraudulent accounts, I contacted the associated company, which has confirmed the fraudulent nature of the following accounts and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed these accounts from their records after recognizing its fraudulent nature. 

I am perplexed as to why these fraudulent accounts continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

MOHELA keeps calculating my IDR plan wrong and increasing my payments. I have been overpaying by over {$1000.00} this last year and when they increased my monthly payment by over {$100.00} a month, they did not notify me. I've tried opting out of my auto-payments, but MOHELA won't let me. Have been on hold for over 3 hours on the phone at one time.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-31
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. (AZ)

I am sending this complaint regarding the recent investigation into my credit record. I appreciate your efforts in correcting some of the previously listed misleading information. However, I still need to ensure complete accuracy for the specific account on my file. Therefore, I request that you provide documentation verifying the accuracy of the account in question. Please conduct a further investigation into the account below : XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00} - I request immediate verification of the payment history and status of this account. Your records do not match mine, and I believe the reported information is incorrect. I have consistently made timely payments and have not been late on this account. I insist on a comprehensive investigation and swift correction of any inaccuracies to ensure legal and accurate reporting.
Consumer complaint received 2024-05-31
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. (VA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX {$3700.00}
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-04-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I sent a request for debt validation to the creditor, portfolio Recovery on XX/XX/XXXX. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. Portfolio Recovery has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, XXXX and XXXX Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-30
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. (IL)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

2. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

3. XXXX XXXX XXXX XXXX  - XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b. 

4. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 16811b.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$500.00} XXXX XXXX Balance {$590.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX Balance {$55.00} XXXX XXXX Balance {$620.00} XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance {$390.00} XXXX XXXX CO XXXX XXXX XXXX XXXX  XXXX XXXX {$89.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-31
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

I discovered a Paypal Credit account on my credit report over 6 months ago that I did not open. I have called three times and spent over 3 hours on the phone trying to get the account closed. Each time I have assured it will be taken care of, and each time I receive a new statement with the balance transferred to a new account. I have a letter from XXXX bank dated as far back as XX/XX/XXXX stating they will close the account, and I received yet another statement dated and XX/XX/XXXX for {$5500.00}
Consumer complaint received 2023-11-15
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. (WA)

I am a XXXX XXXX customer, and they have not updated my balance with the credit bureaus XX/XX/2023. I have spoken with customer service and sent emails to customer service, and they have not fixed the issue. I opened disputes with all three credit bureaus with no resolution. XXXX contacted XXXX XXXX after I opened the dispute in XXXX of XXXX, and whomever they spoke with falsely stated that the balance that was last reported is correct and up to date. This has consistently kept my credit usage at 99 %, when the card has consistently had less than 99 % usage since XX/XX/2023.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
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. (OH)

I reviewed my consumer report and was aware that there is an inaccurate account that is reported incorrectly on my consumerr report. Child support is listed as a collection, I do not owe this debt and this debt should not be reported on my consumer reports.
Consumer complaint received 2023-10-23
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. (AZ)

The following information does not belong to me, I 'am a victim of identity theft. 
Reason Code : This account is not mine and is a fraud. Please delete it from my report. 
Instructions : In compliance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the debt and confirm your original signature by the FCRA 's obligations for validating a debt. And if you can not validate the debt, then the account must be deleted immediately. 
Provide a detailed log of dates and times of attempts to contact our client, and explain your relationship to the alleged account creator. Specify if this is an assignment or a purchase of the account. Also, furnish the account details for the past year and any applicable collection fees or interest. If you're a third-party collector, submit your license or bonding information to confirm your identity. Failure to comply with these questions will result in the removal of the aforementioned fraudulent tradelines from the credit report due to the violation of our client 's consumer and privacy rights. You are hereby required, under the XXXX XXXX 's regulations, to : a ) Validation of the debt refers to checking the accuracy of accounting. 
b ) XXXX of signed Invoice. 
c ) A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
d ) Please provide the original document and a wet signature. If you can't provide these items, then you must delete them. 

Let it be known that XXXX XXXX has suffered substantial financial loss, harm, and aggravation due to this erroneous reporting. With the foregoing in mind, our client prefers to avoid litigation but stands ready to exercise his or her respective rights should the need arise. Nevertheless, our client ( XXXX ) seek the removal of the aforementioned account. And if the accounts are not removed within XXXX days of receipt we shall seek a reasonable settlement offer for {$25000.00} in consideration of the financial loss and distress our client has suffered because you failed to comply with the FCRA statutes. You shall pay on XX/XX/2023, the sum demanded if the accounts listed above are not removed by XX/XX/2023.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

EQUIFAX IS IN BREACH AND VIOLATION OF MY PRIVACY and FCRA SECTION 1681 ( C ) EQUIFAX was not able to provide a full report on how the disputed account was verify, and how Equifax is in COMPLIANCE WITH THE FRCA AND FDPA. EQUIFAX CAN NOT TRUMPLE THE LAW!

THE DISPUTED ACCOUNT SEEMS TO BE A CHARGE OFF. CHARGEOFF ACCOUNTS ARE CONSIDERED INCOME AND CAN NOT BE REPORTED ON CREDIT REPORTS
Consumer complaint received 2024-05-31
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. (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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-08-22
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 :XX/XX/XXXX Balanced {$0.00}
Consumer complaint received 2024-05-31
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. (VA)

It is with deep concern that I bring to your attention a violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Policy, 15 USC 1681a ( 2 ) ( 1 ). This violation is in accordance with the Fair Credit Reporting Act, as evidenced by the list of accounts below. Consumer ( individual ), person ( company ) transaction ( payment history ) experiences ( utilization ) should NOT appear on a consumer 's credit report. 
As a consumer, I request that the below accounts be changed to OK or PAID AS AGREED. I also request that the history of the account with late payment statements be removed from my report, NOT the account itself. 

Accounts names are as follows : ANY and ALL ACCOUNTS WITH A LATE PAYMENT : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX etc. 

I looked at my XXXX credit report on XXXX XXXX XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) Generally, 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 ( B ) Promptly change the status of the 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 ( C ) Promptly notify the furnisher that information has been modified or deleted from the consumer 's file. 

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-05-31
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. (NY)

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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : N/A I dont have a employer I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX