davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (NY)

Account name XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX The above stated account was disputed and came back as " verified. '' I'm not sure how this could be since Experian and XXXX both only list the the original creditor as a residential address. This account was opened on XXXX XXXX, XXXX. 
What is the alleged account for? 
Is this a credit card, car payment, medical collection, what was the good or service rendered to me that I owe? 
If this is a valid debt that should appear on my credit report then what was the first date of delinquency? 
Did this account report a XXXX  day past due? XXXX  day past due? XXXX past due? To my knowledge the answer is no, this account just appeared on my credit report. I understand it is a very common practice for creditors to try and attach an address to the consumer and if they can successfully do so they state the account as valid. I don't know if XXXX XXXX XXXX can do that or not. But what I am 1,000 % sure of is this company nor its alleged original creditor can attach any sort of good, service, installment agreement or contract to me that I was ever even 30 days late on let alone having an account that warrants a charge off and collection. Please remove this account.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX, XXXX, XXXX alerted big-three consumer credit reporting bureau Experian that identity thieves had worked out how to bypass its security and access any consumer 's full credit report armed with nothing more than a person 's name, address, date of birth, and Social Security number.
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: EQUIFAX, INC. (SC)

Subject : Complaint against XXXX CREDIT BUREAU Dear XXXX XXXX I write this letter to formally bring forth a complaint against XXXX 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 XXXX claiming that my information has been verified. However, the response provided by XXXX 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 : XXXX. The name of the original creditor XXXX. The original account number XXXX. Documentation confirming that I am responsible for the debt XXXX. The complete payment history, including any interest or fees charged XXXX. Any agreements or contracts that evidence the existence of the debt XXXX 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 XXXX '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 2022-11-25
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. (NC)

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 2022-10-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-11-11
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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

In accordance with the Fair Credit Reporting Act Navy Federal account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

The month that is in violation is 10/21
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (TX)

I brought to the attention to XXXX  XXXX XXXX and Experian an issue of AN OPEN AND REPORTING OF A FRAUDULENT credit card ACCOUNT with XXXX  XXXX XXXX in XX/XX/2023 ( CFPB Compliant ID XXXX ). XXXX  XXXX XXXX told me that they did NOT report that credit card account opening to the credit agency, but, it has shown up with multiple alerts to my Experian credit report ; just today, I received an alert of being over the limit of this fraudulent credit card account, the credit limit is {$700.00}, now its reported {$720.00} unpaid, and my credit score has dropped by XXXX XXXX because of this fraudulent credit cared usage!!! I had filed dispute with Experian, but their investigation said XXXX  XXXX XXXX certified that all info ( related to that fraudulent credit card account ) is accurate ; however, XXXX  XXXX XXXX responded to me 2 days ago by saying that my info has been confused with someone else and they did not report that credit card to the credit agency. Please note, I did not open this fraudulent credit card, and the address on that card is incorrect, that address is my previous address from 6+ years ago. I even uploaded my proof of current address to Experian, but no further response from Experian!
Consumer complaint received 2023-07-23
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: Experian Information Solutions Inc. (IL)

I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my 609 letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another 609 letter.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was issued a Bank of America ( BOA ) credit card and I never applied for it. Now BOA has sent me a {$95.00} bill for card services. I tried to contact them via phone and was told that they can't access my account without my social security number or the email used to create the account. I'm not giving BOA my SSN under these circumstances and I can't provide them with an email account I never used to sign up with. I was told on the phone to go to a branch office. When I showed up to the bank they told me that it was only a teller bank and I would have to go to another bank that is 30 miles away. I feel at this point that someone at BOA created this account without my permission.
Consumer complaint received 2021-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (LA)

Debt Collector : Common Wealth Finance XXXX ( XXXX ) XXXX Is attempting to list an old account as open and new. This same account has been disputed multiple times on my credit report and removed multiple times for inaccurate reporting on the age of the account with various other debt collection companies. As well as old enough to have fallen off without dispute. 
This company has failed to list any pertinent information about the original account. It has not listed the age of the account, it has not listed the date of original delinquency, and has not notified me of the debt. This company is getting away with reporting this account inaccurate and unfairly. This account is not new and it is not open. It is to old to be on my credit report. 
These people have the ability to hurt anyones financial future and should be made responsible for the inappropriate way that they conduct business.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (LA)

Before consolidating my direct federal loans with Mohela, I had XXXX qualifying payments for XXXX. Studentaid.gov and Mohela both told me I should consolidate my loans to make sure all of my payments qualified under the temporary limited XXXX  waiver. Since consolidating in XXXX of XXXX, Mohela has erased my pre-consolidation qualifying payments so that it now only shows XXXX qualifying payments on their website, where it should be XXXX = XXXX qualifying PSLF payments, as of XXXX of XXXX. When I recertify in XXXX of this year, I believe I should have XXXX payments total and not have to make any more payments before having the remainder of my loans forgiven. Also, studentaid.gov seems to have DOUBLED my loan amount ( from {$320000.00} to {$640000.00} ), showing both my previous loans and the newly consolidated loans on the studentaid.gov website. 
I have called MOHELA multiple times over the past year and each representative assures me that I've done everything right and that they are back-logged and will adjust my qualifying payments in the near future, but it has been over a year and there is still no resolution. I have filed a formal complaint on the studentaid.gov website on XX/XX/XXXX, as well as submitting supporting documents. I received an automated email from them on XX/XX/XXXX, saying that they would " respond to my complaint within 15 days, '' but then never received a response. The case was then " closed '' on their website without them ever contacting me or resolving the problem.
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I got a letter in the mail stating that my credit file on XX/XX/XXXX of XXXX. That my personal identification information my name, current and previous address and any other identifying information was reported by the creditors. A fraud alert and legislative security freeze was put in place. I have sent out information to confirm my identity. I also however called 4 week ago to make sure my identity was correct with all credit bureaus and IRS, because of a data breach and fraud alert 4 weeks ago.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I opened an account for a XXXX Credit card in late XXXX ( XXXX I think ). Credit limit was {$8000.00}. In XXXX " XXXX, I was diagnosed with XXXX XXXX. I had to go to XXXX XXXX XXXX for best treatment. 

Being away from my residence in XXXX, Wa,. it was easy to forget I even had this card, as, I normally rely on mailed bills. 

I fully admit the oversight, of less than {$100.00} in XXXX of XXXX. If you would care to examine the rest of my payment activity, it is unblemished. 

It been over XXXX since these, one of a kind, occurrences and my XXXX score is still about XXXX below its typical value. 

This event needs to be removed from my record post haste as the XXXX score should be much more holistic and not allow a single event out of 15-20yrs decrease my score by XXXX points. 

Thank you for your attention to this matter.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXXXXXX credit card way back in XXXX card closed charge off paid that bill now XXXX bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that XXXX XXXXXXXX XXXX card off my report credit limit was only XXXX bucks this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this removed...
Consumer complaint received 2023-06-05
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. (IL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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 US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-21
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. (HI)

The unverified accounts specified below continue to report on my credit report despite the previously sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$890000.00}