davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.
Consumer complaint received 2019-10-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I have sent several documentation to Equifax regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-04
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)

On XX/XX/XXXX Experian and XXXX violated my rights as a Consumer, The are in direct violation of the Privacy Act of 1974, FCRA, 12 CFR 1022, 15 U.S.C. 1692g, 15 U.S.C. 1666B and many others. Upon review of my credit profiles in which I found several inaccuracies. I immediately called each company to get these inaccuracies immediately deleted but to my demise Experian and XXXX refused to delete them citing that they did not have to power to delete these accounts because they belonged to the companies reporting them. I stated those are my account as I am the Bona fide Consumer and that this credit file belongs to me and not the Companies reporting Accounts in error. I also informed them that the Internal Revenue Service states that Charge-Off 's and consider Income and the can not report any account related to income per the law. The refused to immediately remove them stating that I needed to file a dispute with each individual company.

I found these Accounts being reported in error on my credit profile for Experian and XXXX : XXXX. XXXX Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$22000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX Original creditor Company sold Account type Auto Loan Date opened XXXX XXXX, XXXX Open/closed Closed Status Account charged off. {$9000.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Account number XXXX Original creditor Company sold Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXX/XX/XXXX XXXX NC XXXX XXXX XXXXXX/XX/XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$2000.00} XX/XX/XXXXXXXX Balance : {$580.00} XX/XX/XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00}XX/XX/XXXX XXXX Balance : {$430.00} XX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXXXX/XX/XXXX ) XXXX Balance : {$1400.00} XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX ) XXXX Balance : {$710.00} XX/XX/XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXXBalance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ) XXXX Balance : {$450.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (IN)

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. 
XXXXXXXX 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 XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
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 XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There are inquiries on my Experian Report that should not be there These inquiries were added without my knowledge. 

in compliance with the fair credit reporting at these inquiries need to be removed from my report 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 2023-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

On XX/XX/2023 XXXX and I were arranging a closing date to sell my house. We were scheduled to close XX/XX/2023. On XX/XX/2023 I received the following email from XXXX  : XXXX, We are waiting on a payoff from XXXX XXXX XXXX ( who is the primary servicer for your HUD loan ) that is currently being worked on with their research department. 



I am told this could take up to 10 days business days. 



I am able to call on Monday for an update and will let you all know at that time if we will have it in time for Tuesdays closing or if we will need postpone closing. 



I will keep you in the loop. Sorry for the bad news. 

Since XX/XX/XXXX between XXXX and I at XXXX  we have been on the phone with XXXX XXXX  XXXX, HUD and XXXX ( where my loan is currently ) for several hours trying to get someone to release the lean on my mortgage in order for the title to be obtained so XXXX has the correct payoff amount and we can go forward with the closing on my house. 

On XX/XX/XXXX I was also told by HUD to make a portal with then and I could receive the information that way. Below is the email I received from them : XX/XX/XXXX Thank you for contacting the FHA Resource Center, RE : Partial Claim - a HUD lien payoff request Dear XXXX XXXX, Thank you for contacting the FHA Resource Center regarding a HUD lien payoff request. Your Service Request Number is XXXX. The information below is being provided to XXXX XXXX XXXX, Your SMART Integrated Portal account request was denied : We do not have record of any outstanding partial claim/loan balance for this property. If you believe there should be, please contact your mortgage servicer. XXXX XXXX if you have further questions. 

Please contact XXXX if you have any questions or concerns. 

Thank you, HUD SIP Customer Service This is an automated message from the SMART Integrated Portal System. 

This email was sent on Friday, XX/XX/2023 on XXXXXXXX XXXX All 3 business state they have no record of this and they all keep telling us to call the other business for the information. We have been going in circles and I was told today that I need a real estate attorney to get this done. This is costing me money I don't have with needing an attorney and still having to pay for my house since we can't close. 

Is there anything else I can do in the meantime to try to expedite this? 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-04
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Total Card, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges keep reappearing on my credit card and the company keeps adding days for me to wait for them to clear Everytime they clear they add the same charges again
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Subject : Complaint against EXPERIAN CREDIT BUREAU Dear Sir/Madam , I write this letter to formally bring forth a complaint against EXPERIAN for their failure to comply with the rules and regulations outlined in the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve the issue directly with the debt collector, I find it necessary to escalate this matter to your attention. 

On XX/XX/2024, I sent a letter to [ Debt Collector 's Name ], requesting them to validate the incorrect information they are reporting on my credit file. In response, I received a letter from EXPERIAN claiming that my information has been verified. However, the response provided by EXPERIAN contains insufficient validation of the disputed information and fails to meet the required standards as stipulated by the FDCPA.

As per Section 809 ( b ) of the FDCPA, debt collectors are obligated to provide specific information to validate the accuracy of the reported debt. This information includes, but is not limited to : 1. The name of the original creditor 2. The original account number 3. Documentation confirming that I am responsible for the debt 4. The complete payment history, including any interest or fees charged 5. Any
agreements or contracts that evidence the existence of the debt EXPERIAN provided none of this required information in their response, which constitutes a clear violation of the FDCPA. I have made a diligent effort to handle this matter in good faith while upholding my rights as a consumer, but EXPERIAN 's actions have left me no choice but to seek assistance from your reputable organization.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take the necessary actions against [ Debt Collector 's Name ] for their failure to comply with the FDCPA. Additionally, I request that they be instructed to remove the incorrect account from my credit report, as the law mandates in such circumstances.

I have attached copies of the relevant correspondence for your reference, along with any supporting documentation regarding the inaccuracies in my credit report. Please let me know if any further information is required to facilitate the investigation.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation and uphold the rights of consumers.
Consumer complaint received 2024-01-18
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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