davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have previously tried disputing several inaccuracies reporting on my credit file. Experian has stated these accounts have been verified by the creditors. I don't believe that an accurate and complete re-investigation was performed due to these disputed accounts still appearing on my credit file with inaccurate data fields reporting. I have also requested the procedures used to verify these accounts and Experian has not honored my request for the procedures used to verify these accounts, as per the FCRA. I have listed the accounts that are appearing inaccurately on my credit file below : XXXX/Acct # XXXX - This is a collection account that I am unaware of and have requested validation from the creditor an no validation has been provided. This account is inaccurate and unverified. The original creditor of this account is being reported as XXXX. I currently have an open and active account with XXXX  that I am paying on-time. I don't have any other previous accounts with XXXX, nor is my account in a collection status. This account needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX This account is missing data fields and is reporting inaccurately. The high balance is incorrect, and the closed date is not reporting on this account. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX This account is missing data fields and is reporting inaccurately. The high balance is incorrect, and the closed date is not reporting on this account. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX # XXXX - This account is missing data fields and is reporting inaccurately. The high balance is incorrect, the closed date is not reporting on this account and the date of last activity is inaccurate. This account is also reporting inconsistently information, which does not comply with metro2 guidelines. This account is unverified and needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA. 

XXXX/Acct # XXXX This account is reporting on both XXXX and Experian with inconsistent information being reported. Experian is reporting a high balance of {$0.00} and XXXX is reporting a high balance of {$620.00}. This account is unverified and doesn't comply with metro2 guidelines. This account needs to be PERMANENTLY REMOVED from my credit file. I would also like the procedures used to verify this account information, as per the FCRA.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be on my report.
Consumer complaint received 2021-08-31
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. (CA)

I have two XXXX lease accounts. one of them is current, another one ( XXXX account number starting XXXX ) was totaled last year and the insurance paid it off, however, it shows charge off account with six month late payments on it. I talked with the insurance company and they told me it was their mistake and they going to fix it asap, so they sent the report to all credit reporting agencies. NO RESPONSE at all it is still in my credit report. 


Other XXXX account, which is still current and I have the car in my possession ( account number starting XXXX ) is showing 30 day late, but I don't have any late payments on it. 
during COVID lockdown I asked XXXX XXXX for payment extension, they approved me, and also told me you are not going to have any late payments on this account, but in the end, they reported 30 day late payment to all credit reporting agencies.I am struggling 5 month. I called Experian 100 times, the answer was Call XXXX XXXX to fix this, i called them more than 100 times, they like its all done don't worry about it .Untill now I have both accounts on my credit report with late payments. Please help me if you can do something I would really appreciate that.
Consumer complaint received 2021-08-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc. (FL)

Second request XXXX XXXXXXXX, XXXX  On XX/XX/2021 I had requested this company To stop. Apparently this company does not understand that I DO NOT and I will NOT want to do business with them, Today XXXX XX/XX/2021 once again Im m requesting for this unsolicited mail to stop. I had never ask for my name to be placed on this company marketing lists. 

This now become a harassment, I had asked this company not to contact me, not to used my personal information for unsolicited marking and misleading letters. 


Please inform this company that my name its currently at the three credits bureaus Op-out list the XXXX and any other list to included XXXX. Please stop I will never do any business with this company. I will inform the veterans around my area, and any agency about this harassment. 






XXXX XXXX Arcus Lending Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Ph ; XXXX XXXX XXXX, XXXX, XXXX email XXXX This company its using my name and personal information for marketing and solicitation without my consent. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label INMENDIATE RESPONSE TO THIS NOTICED RQUESTED for a senior citizens. 
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. 
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 

Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in CA if this harassment don't stop
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (AZ)

sentry credit inc tried to collect cleaning fee on behalf of XXXX XXXX XXXX ranch without providing any evidence. 
I called them to sole the issue but they threatened me that I have to pay and evidence not needed since they trust apartment management. 

1. in state of Arizona : XXXX. XXXX, Subsection 14 of that section says : " '' Security '' means money or property given to assure payment or performance under a rental agreement. " Security '' does not include a reasonable charge for redecorating or cleaning. '' Then refer to XXXX. XXXX. Landlord can only withhold a security deposit for any damages caused to the property. XXXX ( D ) provides that the landlord must refund your security deposit within 14 days of the end of your tenancy together with an " itemized list of all deductions ''. If they fail to do so, you can sue for the return of the deposit plus 2x the deposit. 
Landlord refused to return my deposit within 14 days. 
Landlord used my deposit for the cleaning fee. 
2. What the landlord submitted as evidence is an outdated contract from XXXX. It does not provide any evidence for the cleaning fee. 
3. I moved in XX/XX/XXXX and lived there for 8 years. During that time I requested several times to clean or replace carpet and resurfacing the tub which the landlord refused. 
4. Your collection report affected my credit score negatively. You have absolutely no evidence from the landlord except the contract.
Consumer complaint received 2022-03-12
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. (FL)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-11
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. (NC)

I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all fraudulent. i did not apply to any of these accounts
Consumer complaint received 2021-11-28
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. (OR)

I sent a letter to XXXX, Experian, and XXXX on XX/XX/21 about XXXX accounts they are reporting on my consumer report that I did not give consent to them to report. They are stealing and reselling my private information and it is fraud. They have XXXX days to perform an investigation and to respond they have failed to do so. They never removed the items from my consumer report during the investigation and they have not provided the names and phones number of those they interviewed in the investigation process. I sent a demand to comply letter since they did not do what they were supposed to do and they have a grave responsibility to do so. I never gave them the permissible purpose to furnish a consumer report on me. This is now hindering the ability to provide for my son because of the stress is this causing me. I can't sleep at night and have anxiety from these negative items on my consumer report. I feel that I am being taken advantage of and they are profiting from my name. I am beyond upset.
Consumer complaint received 2022-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Afternoon, I am writing today with the concern that the credit bureaus are ignoring my letters.. I sent them letters on XX/XX/2022 and still have not heard back this is not right. I have been waiting almost two months now for a reply from them about these incorrect items on my report and they still have not got back to me. these items that they have reported on my report are inaccurate and unverifiable and i need those items investigated and removed because this is negatively affecting my life and it shouldn't have been there in the first place, please help me with this matter and thank you for your time.
Consumer complaint received 2022-03-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (CO)

My loan servicer is FedLoan Servicer and I have been working toward PSLF since XXXX. With the waiver from XX/XX/XXXX, payment I submitted prior to XXXX should count, so I have sent them additional proof of employment. 

I recently consolidated all of my loans so that all would be eligible for forgiveness. I received a letter from FedLoan that erroneously informed me that if I went forward with the consolidation I would lose all the history of payments since XXXX and that I would have to start over and make an additional 120 payments. This is untrue under the temporary waiver. The letter also referenced the waiver so it indicates that they are working under the waiver. 

This statement is untrue and it is clearly addressed in the Studentaid.gov website. The " warning '' that I will be restarting my payment clocks is very worrisome and anxiety provoking. My two options are : 1. Carry on with the consolidation based on what the studentaid website says, even though it is really scary to risk re-starting my loan counts. In effect I have to trust that I know more than they do; or 2. I cancel the consolidation which then means a portion of my loans ( about 20 % of what is owed ) is not eligible for forgiveness. If I were to follow the instructions from FedLoan I would not be receiving the full forgiveness that the waiver is for.

FedLoan Servicing is communicating incorrect information either unknowingly or knowingly.
Consumer complaint received 2022-03-11
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: U.S. BANCORP (TX)

I have a showing incident for my US Bank Visa card. I have stellar credit and I sent my account to all three bureaus about a 30 and 60 day delinquency from an account that was connected to the same incident.

I reported it to all three agencies and I spoke with someone at the bank that said that a note was made on my account and the delinquency would be removed based on the circumstances of the delinquency. This was a private matter and I spent months escalating to the right person to have the discussion. 

XXXX refused to remove the delinquency and when checking with the bank, when they call, the bank refuses to live up their promise to remove the delinquency. 

XXXX removed the delinquency and my score reflects that. 

XXXX refused to remove the delinquency despite multiple attempts to remove it as well. 

As an inequitable application of a promise made by the bank to remove my delinquency based on special circumstances, I have opened other banking relationships in the interim because I feel like if an employee of a bank makes a deal on an open line, then the bank should agree and make is happen.

Please make this right. I can't understand why one bureau would act properly and the others would refuse.
Consumer complaint received 2022-03-11
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. (CA)

I am writing to dispute a past due payment on my credit report. XXXX has been reporting late payments on tradeline XXXX account number XXXX inaccurately on my consumer report. I have reached out to XXXX for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything. 

It is almost impossible to get ahold of anybody on the phone from Experian, XXXX, or XXXX even if even when your a paying customer. I want my money back. I am dissatisfied by your service. They are basically using my information without my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that Experian, XXXX and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. Please fix the technical errors in your system. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. Experian, XXXX and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and recommend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (CA)

BSI Financial has reported our credit late for 120 days. This is incorrect for the following reasons : 1. We were under COVID Forbearance for 3 months and BSI wrote us a letter stating NO negative credit reporting was to be made XXXX, XXXX, and XX/XX/2020. Instead, they DID report us late during forbearance and for XXXX and XX/XX/2020, which has denied us the ability to buy another home. 

2. We sold our house in XX/XX/2020 and made FULL PAYOFF to BSI on XX/XX/2020. BSI reported us late in XXXX AND XX/XX/2020 which is inaccurate. We informed BSI in XXXX the house had been sold and they still reported us late. We have not been able to buy a house because of the BSI mistake and BSI is completely unresponsive to our multiple requests for correction. 

Our credit was reported 120 days late and based on the aforementioned information this was incorrect. We have tried several times to correct this and BSI customer service employees continue to send several requests to their CREDIT DEPARTMENT which never corrects their mistake. 

BSI should honor their promise to us and rectify this issue so we can move forward and buy another home. This mistake has had a profoundly negative impact on our lives.
Consumer complaint received 2022-03-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

for over a year i have been writing the bureaus about my credit scores. Experian has refused to take this account XXXX off of credit report, even though i had submitted a government affidavit. two years, and now we now know the bureaus have investigated, less than 2 percent of customer disputes. Am i part of that 98 %. I affidavit from areal live human doesn't matter, a XXXX robot, takes action that hurt american lives. I ahve written my Governor, the lender, the bureaus. I have a very popular XXXX surname, and i have had issues in the past, with business documents, lol, but this is truly not funny, when no one helps, a affidavit doesn't help, and, the bureaus screwing americans down from investigating 19 % of all disputes, to a big solid 2 %. WOWW, whose helping the little guy
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed