davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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: SANTANDER HOLDINGS USA, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. SANTANDER CONSUMER XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2023-12-16
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)

XXXX is reporting late payments to Experian and XXXX. For some odd reason, XXXX is furnishing information that is incorrect. This company has been under scrutiny for not applying payments to consumers accounts correctly as well as many other FCRA violations. On XXXX XXXXXXXX XXXX the Consumer Financial Protection Bureau filed a suit against XXXX alleging that the servicer hurt borrowers by providing bad and sometimes false information, not processing payments correctly and not taking appropriate steps to rectify situations when borrowers brought up these complaints. I was affected by this and the late payment reporting XX/XX/2017 is incorrect. I was never late, and this account needs to be updated immediately. I am not asking for the account to be deleted but I am asking for the late payments to be removed immediately or I will move forward with filing a statement of claim against your company for clear and obvious negligence, FCRA violations, and mental anguish because your company has caused me serious financial problems, distress, and loss of credit opportunities. Please see the attached credit report and update to paid as agreed, never late. XXXX has since deleted this erroneous error, and I am requesting that Experian and XXXX follow suit.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I requested the for them to tell me who the original creditor is Okay can you send me a copy of all the statements, any type of payments received, and your license that you in fact are able to collect debt in my state. 
Under The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to verify the validity and amount of a debt they are trying to collect. The FDCPA also requires debt collectors to send a written notice, called a " validation notice '', to the consumer within five days of the initial communication. This notice must contain information about the debt and the consumer 's options for responding. 
It has been 60days and no response has been made nor have they removed this inaccurate report from my credit report
Consumer complaint received 2023-12-13
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. (WA)

An account has been reported on my Experian credit report since XXXX. Ive contacted the company ( XXXX  ) and they have refused to give me information on the accuse I told them I never open an account with them and its fraud. I contacted Experian and did a dispute. Thou the information reported is completely false, inaccurate and not making any sense, Experian said the company certified the information is correct thou Experian representatives told me the information shows to be inaccurate. Ive filed fraud with Experian in my dispute and filed the identity theft form online and Experian is still refusing to comply with removing the fraud from my account. I have added an alert to my credit to not extend credit as well. I am out of options as Experian is not following regulations nor are they willing to remove what is obviously fraud
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

I have recently become aware of a balance of {$950.00}, which according to your records was placed for collection. I am unaware of this debt and did not have an opportunity to dispute this information previously. If you believe that you have provided me with proper notification regarding this debt, I request that you provide me with certified receipts that include my name and signature confirming that I received such notification.
Consumer complaint received 2023-12-13
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. (VA)

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 3rd party. They in fact did not come from a 3rd 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 2024-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

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.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 2023-12-16
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. (TN)

I requested verification for account ( XXXX ) XXXX XXXX XXXX from Experian and never received any documentation verifying the account. This unverified account is damaging my creditworthiness and cause me to be denied access to credit.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is my XXXX round of Debt validation and Experian continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Multiple overdraft fees consecutively since I first opened an account with you guys since XXXX when I was a kid I was taken advantage of as a minor, you guys have to be rediculous to still be doing the same things we are in XXXX thats 9 years of violating my consumer rights and privileges.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am contacting you because the following items have been deleted from only one credit reporting agency but still appear on others and from my understanding if a account is deleted from one CPA the others shall follow suit and remove as well XXXX. XXXX # XXXX XXXX XXXX  # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-12-16
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)

XXXX please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my Experian credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the XXXX bureaus such as the balance and the Date last active, and there's no close date listed. My account was closed in XX/XX/XXXX, so why is Experian reporting lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account has since been removed from XXXX and XXXX and Experian is expected to follow suit. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over XXXX XXXX XXXX. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Consumer complaint received 2024-04-25
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. (NY)

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update these erroneous accounts. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

There are address that I do not recognize.There are Different variations of my name that are not mine. 

My only legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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. (TN)

n 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.
Consumer complaint received 2024-04-25
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. (CA)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-16
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)

XXXX, Experian and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX to list me as an authorized user on any accounts. This is a violation Also, XXXX, XXXX and Ecperian has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Experian. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2023-12-16
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. (PA)

I have been a victim of identity theft and I need to get any inaccurate or false information removed from my report. I have disputed the attached accounts with the company and with the credit bureaus. I haven't gotten any action! I have included proof that there was not investigation complete and also I included proof of the inaccurate information on my report. I need this information removed immediately. It is illegal to report inaccurate information especially when my identity was stolen. I have a right to accuracy.
Consumer complaint received 2023-12-16
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, XXXX XXXX, am requesting that Experian follow suit and update the account XXXX XXXX to paid as agreed, never late. XXXX has since removed the account due to inaccurate reporting and XXXX is reporting the account as paid as agreed, never late. Why is Experian reporting that I was late in XX/XX/2020 and XX/XX/2020 when my payments were deferred due to covid. Lastly, you are in violation of the FCRA for reporting inaccurate information. I am demanding that you remove the late payments reporting in XX/XX/2020, and XX/XX/2020, or I will sue your company for defamation of character. Please see the attached credit report and correct your erroneous errors.
Consumer complaint received 2024-02-05
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. (CA)

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Clarity Services, XXXX XXXX, XXXX  others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.