davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Failure to Investigate Submitted Dispute Letters Dear Sir or Madam, I am writing to formally submit a complaint regarding the lack of proper investigation into my disputes by the credit bureaus, Experian, XXXX and XXXX as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My Social Security Number is [ XXXX ] for reference. 

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted a dispute regarding inaccuracies found in my credit report to Experian, XXXX and XXXX, specifically pertaining to the following negative items : 1. Identity errors : Wrong name, address, or social security number, leading to accounts belonging to someone else appearing on my credit report ; 2. Account status errors : Accounts listed as open when they actually closed, or vice versa ; 3. Payment history errors : Incorrectly reported late payments, when payments were made on time ; 4. Account duplication : The same account listed multiple times on the credit reports ; 5. Mixed file errors : Accounts belonging to someone with a similar name appearing on credit report ; 6. Data entry errors : Transposed numbers, incorrect dates, or typos in account information ; 7. Credit limit errors : Incorrect credit limit listed for accounts ; 8. Balance errors : Inaccurate current balances reported on accounts ; 9. Collection errors : Incorrectly reported debt in collections, including outdated or already paid debts ; 10. Bankruptcy errors : Inaccuracies in the date or details of bankruptcy filing ; 11. Inquiries errors : Credit inquiries listed that were NOT initiated by me. 

As stipulated by the FCRA, credit reporting agencies are required to investigate all disputes within a reasonable time frame, typically 30 days. However, I have yet to receive a comprehensive resolution to my disputes. In addition to my initial dispute letters, I have not been provided with the results of any investigation, nor have I received any documentation demonstrating that a thorough review of my claims was conducted. 

This lack of investigation not only violates my consumer rights under the FCRA but has also had a detrimental impact on my creditworthiness. As a result, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the credit bureaus involved. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me should you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-09-07
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. (GA)

I asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law : XXXX, Date : XX/XX/XXXX, AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! The credit bureaus are violating my rights and the law! I am demanding that these items be removed immediately! 15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed.
Consumer complaint received 2023-04-18
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. (ND)

I wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account. 

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are inaccurate
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (CA)

This past summer ( 2022 ), Credit Karma advertised a promotion whereby customers who applied for, and were approved for, a personal loan while logged in to Credit Karma would recieve a {$100.00} credit to their Credit Karma checking account. I applied for and was approved for a personal loan while logged in to my Credit Karma account prior to XX/XX/2022 per their requirements. I inquired with Credit Karma in XXXX, 2022 as to why I did not receive the promised {$100.00} credit to my checking account. Each time I inquired, thy have simply asked for more time to investigate. I've attached the original offer from Credit Karma, as well as the emails I've exchanged with them. The Credit Karma customer service case # is XXXX # XXXX. I believe that if a company makes an offer such as thiis, thy have a responsibility to honor it, or at least provide an explanation of the specific term ( s ) of their offer that they feel I have failed to meet. 

Thank You, XXXX XXXX
Consumer complaint received 2024-10-14
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. (AZ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Failure to Investigate Submitted Dispute Letters Dear Sir or Madam, I am writing to formally submit a complaint regarding the lack of proper investigation into my disputes by the credit bureaus, XXXX, XXXX and TransUnion as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. My Social Security Number is [ XXXX ] for reference. 

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted a dispute regarding inaccuracies found in my credit report to XXXX, XXXX and TransUnion, specifically pertaining to the following negative items : 1. Identity errors : Wrong name, address, or social security number, leading to accounts belonging to someone else appearing on my credit report ; 2. Account status errors : Accounts listed as open when they actually closed, or vice versa ; 3. Payment history errors : Incorrectly reported late payments, when payments were made on time ; 4. Account duplication : The same account listed multiple times on the credit reports ; 5. Mixed file errors : Accounts belonging to someone with a similar name appearing on credit report ; 6. Data entry errors : Transposed numbers, incorrect dates, or typos in account information ; 7. Credit limit errors : Incorrect credit limit listed for accounts ; 8. Balance errors : Inaccurate current balances reported on accounts ; 9. Collection errors : Incorrectly reported debt in collections, including outdated or already paid debts ; 10. Bankruptcy errors : Inaccuracies in the date or details of bankruptcy filing ; 11. Inquiries errors : Credit inquiries listed that were NOT initiated by me. 

As stipulated by the FCRA, credit reporting agencies are required to investigate all disputes within a reasonable time frame, typically 30 days. However, I have yet to receive a comprehensive resolution to my disputes. In addition to my initial dispute letters, I have not been provided with the results of any investigation, nor have I received any documentation demonstrating that a thorough review of my claims was conducted. 

This lack of investigation not only violates my consumer rights under the FCRA but has also had a detrimental impact on my creditworthiness. As a result, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the credit bureaus involved. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me should you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-07
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. (AL)

I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.
Consumer complaint received 2024-02-26
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. (GA)

According to XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) opt out law A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which has XXXX XXXX XXXX XXXX XXXX Equifax XXXX which make them non affiliated which means I as the consumer must have 3 disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates which that's not the case and according to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies which means all of the following accounts that I listed above must be removed due to inaccurate reporting without my agreement.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2024-02-26
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. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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)

Im accordance with the Fair credit Reporting Act 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 rights to privacy 15.U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish without my written instructions
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Upon checking my credit report I notice fraudulent accounts that I didn't authorize. These fraudulent inquiries were not authorized by me and they are in violation of my FCRA rights. 

These are the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Business and Consumer Solutions. (GA)

An old debt of 16 years that was settled and resolved with statements that it is no longer there. A new collection company bought a batch of old, old debts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX after my reporting XXXX. This debt is no longer owed as I settled it 16 years ago. XXXX years old and debt is not owed. Do not know this company nor any new ones that they keep trying to sell old materials to.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I deposited a refund check I received, tuition fees back from the college into my BOA account. I was attending XXXX. 
I waited the entire hold period of XXXX  days and the funds were technically available. I didnt even realize BOA had blocked my account access until about XXXX days since the deposit had passed, when I tried to login to my account after receiving an account closure letter. I called in and spoke to a representative named XXXX. Who informed me that the back office team had referred my account to be closed because I was at risk of fraud. She also said the remaining balance of {$4800.00} would be mailed to me by cashiers check and Id receive it within XXXX days. I then received another letter a week later stating that the funds in my account were being frozen and I needed to contact the client protection team. I contacted them immediately, I was then told the funds are being held harmless by the back office and would not receive them unless the drawee bank submitted a claim for the funds back and reissued the check. After filing a previous complaint with the CFPB and talking to a regulatory escalation representative I understand that they are allowed to close my account as permitted under the account disclosure agreement. I have no issue with the answer I was given, I understand that they legally have that right, by me agreeing to the account disclosure. My issue is that they transferred my money out of my account without authorization to do so and described the transaction as an ACCOUNT CLOSING TRANSACTION for the amount of {$4800.00}. Yet I havent received that money, neither has the drawee bank which Ive been in contact with and also isnt liable for any stop payment, nor has any claim arisen from the deposit to begin with. Hold harmless is an agreement, in which both financial institutions sign normally releasing the depository financial institutions liability of those funds the agreement is about. The responsibility under the XXXX to identify a counterfeit check belongs to the drawee bank, not the depository bank. I have requested a complete source of receipt or an Original Image Replacement Document and have not received either one.
Consumer complaint received 2024-10-14
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. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.