davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following items from my file. 

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 2024-01-08
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. (TX)

I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. 

You responded by saying that " VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. 

So, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 
All inaccurate XXXX XXXX XXXX XXXX - account # XXXX Date Opened : XX/XX/XXXX. 
High Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX EQUIFAX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 
I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( 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 ( i ) 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. 

Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the presence of fraudulent accounts on my credit report, as provided by your bureau. After a recent review of my credit report, I discovered unauthorized accounts that I believe to be the result of identity theft. 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. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 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. 
I understand the importance of accurate reporting and expect swift action to rectify this situation. As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the legitimacy of these accounts and take prompt action to delete them from my credit report. 
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-01-08
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} 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 is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Over the last couple of years I've been trying to clean my report up but I'm being unfairly judged by someone at the experian company for one my score has stayed in the poor range no matter what when it should be in the fair range by thetr own algorithm tells me my score has increased yet when I go to the report it remains XXXX they have kept inaccurate reporting on XXXX after I've hibing them the un denial proof that there wrong yet they still hinder me
Consumer complaint received 2024-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (TX)

On XXXX, I contacted Mr. Cooper to do a forbearance. I was told that I was able to do one and my application was approved for a 3-month forbearance. On XXXX, I realized that I owed a balance and contacted Mr. Cooper. When I contacted them, they stated that my forbearance was denied. I explained to them that I wasnt notified that my forbearance was denied and now my mortgage is behind 2 months. They stated that the only way I can fix it is to do a loan modification which may raise my interest rate.
Consumer complaint received 2024-06-25
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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. 


XXXX XXXX XXXX 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 2024-01-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to express my extreme frustration and dissatisfaction regarding the apparent negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ) in your handling of my credit report. Specifically, I am addressing the inaccuracies related to the account with XXXX XXXX XXXX, originally held by XXXX XXXX, bearing the following details : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$250.00}. It has come to my attention that other credit bureaus have promptly and responsibly removed these erroneous accounts from their records after identifying an error. These agencies were diligent in their investigations and successfully rectified the issue. I am left bewildered as to how your bureau claims to have verified the information, while others have acknowledged and corrected their mistakes. I am left to question your procedures, integrity, and commitment to complying with the law. It is both disheartening and infuriating that, as a victim of inaccurate reporting, my pleas for resolution have fallen on deaf ears. The blatant discrepancy between your actions and those of other bureaus is not only confusing but also indicative of a systemic failure within your organization.
Consumer complaint received 2024-01-08
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-08
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)

My information was sold and bought illegally I found out because i was trying to buy a house and now I know that I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Consumer complaint received 2024-01-08
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX *** Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} TXXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and my bank account numbers are being held captive by PayPal. I am not allowed to delete it from my profile. I am preparing to file a lawsuit and go to local news channels to report PayPal demented business practices.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Well pretty much me and my co owner got a vehicle about almost six years ago we had nothing but problems with the vehicle we couldnt afford to make payments and pay for repairs we broke give the vehicle back to credit acceptance voluntarily and they put it on our credit report. They kept putting late fees and balance increase on our credit reports. Last month I got an email stating that they closed my account out and now the are suing me which is crazy because they are being sued by the state of New York they have been nothing but a headache I am a single mom of XXXX low income and taking care of my XXXX mother .This is said I cant afford to pay the balance off even though they sold the vehicle and I cant afford court this is really stressful please help me thank u
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

Please refer to my prior complaint COMPLAINT ID XXXX which was closed after they admitted their mistakes. Then, after that admission, they still reported my account as delinquent to at least two of the credit reporting agencies. I emailed the Office of the President reporting that and have had no response. I also submitted disputes with documentation to the agencies, but have had no response from them.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 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 2024-01-08
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

I am writing to formally request the removal of a disputed item from my consumer file. Despite my efforts to have the inaccurate and incomplete reporting verified by the information furnisher, no resolution has been achieved. I respectfully urge you, as the credit bureau, to adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ) and promptly eliminate the contested account listing from my credit report. The accounts in questionDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : $ XXXX a notice of dispute from me, prompting your credit bureau to confirm the account 's verification. However, knowing that the information was unverifiable, I proceeded to dispute it directly with the furnisher of information, as allowed by the FCRA. Regrettably, the furnisher has failed to provide any substantiating evidence or respond in any manner. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act conversion account numbers- XXXX, XXXX, XXXX, XXXX ( US DEPT EDXXXX ) XXXX has violated my rights.15 USC 1681 section 602a states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX Requested that Experian investigate my account for all inaccurate information and for the improper use of my information specifically regarding Two collections from XXXX XXXXXXXX XXXX i requested Experian remove this inaccurate information from my credit report failure to do so is violation of 15 USC 1692 ( C ) ( C ), and 15 USC 1692 ( G )
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under XXXX U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )