davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (MS)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS FRAUD ACCOUNT ASAP
Consumer complaint received 2024-03-01
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-10-01
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. (FL)

I am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children. 

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of XXXX equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.
Consumer complaint received 2024-03-01
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Removal of XXXX Account Number XXXX from Credit Report Dear CFPB, I am writing to request the immediate removal of the account number XXXX from my credit report. Despite repeated attempts to address this matter, the account remains unjustly listed, and I believe it is in violation of the Truth in Lending Act ( TILA ). 

The TILA mandates that consumers receive full disclosure of all terms and conditions when entering into credit transactions. However, in this case, full disclosure was never provided to me. As per TILA regulations, creditors can be held strictly liable for any violations, regardless of intent. Therefore, I am within my rights to rescind the loan and request the removal of this account from my credit report. Full disclosure includes making me aware that Im the one who extended them credit. Failure to do so constitutes a breach of contract. Hence, I urge you to remove this account from my credit report promptly. 

Moreover, it is my understanding that every contract signed is considered a security, and funds should be deposited and transferred into my Treasury Direct Account ( TDA ).

Furthermore, I wish to emphasize that contracts must be entered into between two living individuals, and full disclosure must be provided. Since these criteria were not met, I am requesting the voidance of the contract and the subsequent removal of the account from my credit report.

If the account is not removed within the next seven business days, I will be compelled to escalate this matter further. I will seek your indenture trustee and trustee information to facilitate the transfer of my past due securities and monthly securities to my TDA account.

I trust that you will address this matter with the urgency it warrants. Thank you for your prompt attention to this request.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Re : Complaint against XXXX XXXX  Account number ending in XXXX I am in distress! I log onto Experian to learn about credit, and I already have accounts that do not belong to me nor did I give anyone permission to use my information for credit. Well, I went through the dispute process that took about 30 days and the credit bureau said, the information came back as verified after sending a police report, and FTC report. I sent out a letter demanding proof from the creditor which was part of the disputing process that Experian told me. XXXX XXXX  sent a package to me with the supposed charges, on XXXX XXXX saying I owe them {$1600.00} now its {$1900.00}. I do not owe XXXX XXXX  anything because I never had a account with XXXX XXXX  and something needs to be done about this immediately.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (TX)

Account name XXXX XXXX Account number XXXX Is reporting on my credit report Account charged off. {$480.00} written off. {$480.00} past due as of XX/XX/2023. This information is incorrect and I have asked XXXX to remove this account from my report and they have not replied back
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Back in XXXX  I reach out to your office and I complained about the falsified information on my credit report that was being reported that has caused me countless amounts of pain and suffering due to the heart increase in the denials of credit based upon the information being reported concerning my student loans being late I contacted the student loans Representatives have confirmed constantly continuously times that my student loans has never been late however since my complaint I received a response back from XXXX saying that they have fixed the dispute in information was verified as accurate which is totally falsified information once again
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2024-03-01
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. (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. 

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 and list of Inquiries. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kornerstone Credit,  LLC. (AR)

I have disputed this account from XXXX XXXX XXXX with you and with the three credit bureaus. I did receive a letter from XXXX XXXX XXXX that stated they believe that the account belongs to me and is not a identity theft account. I have asked numerous times to receive paperwork that shows how they determined that and I have yet to receive it. I would like to receive this information.
Consumer complaint received 2023-05-31
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. (CA)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

B of A account number XXXX B of A has violated the FCRA in the way they have handled my loan. They have ruined my credit and my car. They hVw recklessly harmed me and I expect them to remediate the situation. I want an accounting for what was owed which I have already paid current. I want the repo fees and late fees reversed and any damage to my car to be corrected. Further I want my credit restored. And I want my car back timely. 

Car was purchased in XX/XX/2022 used from dealer. They negotiated financing and were supposed to set up automatic payments. That did not happen I called B of A made payment 1. They said they would set up automatic payments.

I assumed this would happen and then I did not hear from the bank in XXXX I made an online payment using the B of A online website. It asked how much and I indicated a {$2000.00} payment this is a rounded up figure the actual payment is lower. 
I woke us this morning and the car was gone. I thought it was stolen and called the police they let me know that it had been repossessed. I was in shock as I had no ideas I was behind. 
I logged into the B of A account and it said they wanted 6 payments and a late fee of close to {$500.00} plus repo fees which they dont know how much it would be yet. I would have to wait at least 24 hours before I would know what the payment would be and then they would let me know if I can get the car. 

I asked the lady from B of A why they are asking for six payments ( I understood the late fee ) she said I was behind four payments. This was the first time anyone from B of A or anyone representing B of A notifies me that I was behind. So then I said why are you asking for {$12000.00} she said because you are behind five payments. I said wait a minute one minute ago you said I was behind four payments. She said and you missed one last Sunday.

I was shocked and stunned I have never had such a problem. I was so taken back I went went back immediately online and paid the six payments. And let charge they asked for but she was not willing to give me any other information or information about my car. 
I have surveillance cameras in my driveway and it shows that about XXXX this morning they attached my car to a XXXX truck and dragged it. This is a XXXXour wheel drive car and I have pictures of where the wheels of the car were dragged down the street and I am worried that the car has been damaged as a result. Thai car is not supposed to be dragged on that manner.

B of A never once contacted me about being delinquent, no calls, no emails, no letters. When I went online in XXXX there was no notice on my account that I was behind on payments. My credit report will show XXXX  years of clean credit history. 

I tried calling and they treat me like a I am thief and refuse to talk to me. They said I have to wait 24 to 48 hours. I am leaving for out of town and I dont know how this will be resolved.
Consumer complaint received 2023-10-01
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. (UT)

XXXX BANK THIS IS GOING TO LAND YOU IN A COURT OF LAW TO EXPLAIN TO A JUDGE AND JURY. KEEP IN MIND OTHER PEOPLE SIT IN THE COURT ROOM LISTENING TO CASES AND MAY BE YOUR CUSTOMERS! THEY MAY ALSO HAVE PROBLEMS ON THEIR CREDIT THAT THEY'VE BEEN UNABLE TO GET FIXED THROUGH THE BUREAUS, THAT THEY ARE RIGHT ON, AS AM I ABOUT THIS, THAT CONTINGENT UPON THE OUTCOME WILL ENCOURAGE THEM TO FIGHT BACK TOO. IS THAT REALLY WHERE WE WANT TO TAKE THIS???? REVIEW THE LETTER YOU SENT WITH MY COMMENTS ON IT, AS WELL AS THE ATTACHMENTS FOR XXXX AND EQUIFAX! XXXX USUALLY ADDS AN EXPIRATION DATE AS TO WHEN THE ACCOUNT WILL FALL OFF. I'VE ALREADY ADDRESSED THIS WITH THEM AND THEY'VE FAILED TO RESPOND, EQUIFAX HAS FAILED TO SHOW THIS ACCOUNT AS " CLOSED '', DELETE THE INACCURATE 2 YEAR PAYMENT HISTORY THEY'RE SHOWING FOR A " CLOSED '' ACCOUNT, AND REFLECT ACCURATE PAY OFF AND LAST REPORTED DATES. THIS ACCOUNT WAS PAID OFF AND WAS NEGATIVE IN XX/XX/XXXX NOT XX/XX/XXXX!!!! GET A FLIPPING GRIP!!!!! IF YOU CAN'T READ A CREDIT REPORT YOU SHOULDN'T BE WORKING IN A CREDIT BASED BUSINESS!! YOU WILL NOT LEAVE INCORRECT INFORMATION ON MY REPORT AND EXPECT ME TO GO AWAY. I'M NOT GOING TO GO AWAY AND WILL FIGHT YOU TOOTH AND NAIL!!!!
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

I can not get CitiBank to properly apply my payment that I made on a XXXX % advance. I have made several attempts to rectify the problem with CitiBank and have previously made a claim. They did make an adjustment but failed to handle it properly as my 0 % advance is now being charged at 18.74 %. This should show as completly paid on XX/XX/XXXX. I was instructed by CitiBank to pay it XXXX day after the expiration date so that it would then trigger moving to a higher interest rate and my payment would then be applied toward that higher rate. I did as instructed and paid additional. I have fought with them ever since as they ended up applying the payment to an advance that was at .99 %. After my last complaint they did make an adjustment but for whatever reason, only showed a portion of that original transfer as being paid and as of my last statement they are still showing that I owe {$2600.00} at 18.74 %. I have another 0 % transfer expiring on XX/XX/XXXX but they have made it impossible to pay it down. According to their policy, any additional payments are first applied to the higher the amount with the higher interest rate. So, even though I have already paid the one that expired in XXXX, they did not put the entire payment toward it and are now charging me interest. Even though I pay additional monies in an attempt to pay down the XX/XX/XXXX transfer, those payments do not go against that amount. I am at my wits end and do not know how to get someone to fix this. They have admitted to me several times that it is their error and their system did not trigger moving the first advance into the higher interest rate and then having my full payments applied against that amount. Surely this has to be illegal. What else can I possibly do to have this rectified??? PLEASE SEE MY PREVIOUS CLAIM XXXX
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, 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. (SC)

I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (FL)

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXXXXXX, account number - starting with - XXXX Department of EDXXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXXXXXX XXXX, account number - starting with - XXXX XXXX XXXX  XXXX XXXX account number - starting with - XXXX XXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account number - starting with - XXXX 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 an 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 or 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. 

Thank you for reviewing my request, please confirm you have received it, and will delete these accounts within 30 days. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX XXXX XXXX XXXX