davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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. (NJ)

i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps
Consumer complaint received 2020-07-01
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. (WA)

Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX XXXX XX/XX/2013  The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-01
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)

In late XXXX, I was in the middle of purchasing a home but COVID-19 delayed that process and the housing industry has been negatively impacted. In order to improve my chances at home ownership, I have been working with both a credit repair agency and all three credit reporting agencies to delete late items off my credit report as my creditors all stated that I have been paying my debts off as agreed and all of my accounts are in good standing. As of today, XXXX and XXXX has deleted the negative/derogatory remarks off my account except for Experian. It is a known fact that Experian makes money off leaving negative items on your credit report and all I am asking for is fairness so that I can fix my old financial situation so that I can buy the home of my dreams. I have been paying off my credit issues for the past 2 years and now I am in a great position to buy a home. My old credit score was a XXXX but due to hard work I was able to get it up to a XXXX as it currently stands. All I am asking for is for Experian to delete the 11 negative accounts that my creditors have all agreed to do. I have attached 4 documentations to show that the accounts are in good standing and that leaving these negative remarks is making it incredible hard to overcome the past 4 years of financial hardship. Thanks for reading my complaint and I look forward to a speed resoluton
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I applied for an XXXX XXXX AAdvantage credit card with Citi at the beginning of the year. I was approved for the card in XXXX and was charged an annual fee of {$450.00}. One of the benefits advertised for the card was access to XXXX XXXX admiral lounges in participating airports. As a result of the Covid-19 pandemic, this benefit has not been offered. 
Citi has not offered any compensation for the loss of this benefit. 
Before paying my annual fee I called Citi who mentioned that they are unable to make any compensation for the annual fee that was due and paid for in XXXX. 
I heard from a colleague this month who also has this card that he called Citi and they refunded his annual fee. I called Citi again on XX/XX/2020 to ask if I could have my fee removed and my card cancelled and they mentioned that the policy they came up with was to remove fees if the card was cancelled within 37 days of paying the fee. This policy was not communicated in any way shape or form. In fact, when I previously called ( well within this time frame ) I was told that there was nothing that could be done for me and the only compensation that would be provided would come if I paid an additional annual fee next year. 
This seems like a clear UDAAP violation, they are treating customers unfairly based upon when they happen to call and cancel their card ( without communicating the policy anywhere ). This is also a deceptive practice as I am not receiving the benefit that I paid for. 
I would like to have my fee removed or reduced THIS year as I have paid for a product / service that I am not receiving.
Consumer complaint received 2020-07-01
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. (TN)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation and their results they have not abused by these laws.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY! 

Delete reported data NOT certifiably COMPLIANT XXXX  XXXX - XX/XX/XXXX XXXX   - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bridgecrest Acceptance Corporation (VA)

I am submitting this claim against Bridgecrest Acceptance Corporation. I am looking for some support in getting Bridgecrest to  report my payments to the CRAs. I had to unfortunately file for bankruptcy in XX/XX/2018 and by law I had to list all of my debts, one being Bridgecrest, however I knew that I would not include them in the filing and that I would continue to make monthly payments on the loan and retain the car. On XXXX, I reached out to Bridgecrest and ask that they please report my payments and accurate history to the CRAs and the rep told me that once they get a Notice of Bankruptcy that they remove their trade-lines from all credit reports and that they would not be adding it back. She stated that the only why that I could get the trade-line reported is to refinance the loan with another lender. This seemed unfair! While I am paying on the car I like to get credit for my payments. I then reached out to XXXX   and XXXX to see if I could dispute and state that Bridgecrest is not reporting correct information and both reps stated that since they requested the trade-line be removed that I would have to work with the company, CFPB and even the XXXX to get them to report.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2020-07-01
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. (AL)

In XXXX and XXXX of 2020 I sent dispute letters to this Credit Bureau disputing the unverified accounts XXXX XXXX, XXXX XXXX  and XXXX XXXX! 
I did not receive a response from this Credit Bureau neither in XXXX nor did I receive a response in XXXX indicating that an investigation has not been done. it has been well past 45 days and I am not understanding why I have not received a response. The address is correct on my dispute letters and I enclosed the proper documentation to start the investigation. So I'm contacting the cfpb to get this issue resolved Andmy investigation started. It has been well past 30 to 45 days and these accounts should have been deleted according to the laws of the Fair Credit Reporting. I sent in a third dispute letter XX/XX/2020 asking for removal of the unverified collection accounts because they are 30 days past the investigation time and I have not received a response and I still haven't received a response from this Credit Bureau. please cfpb help me with this issue. Thank you
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage was transferred to Shellpoint Mortgage Servicing in XX/XX/2020. There was an escrow account set up to pay property taxes and insurance. A tax payment was due in XX/XX/2020. Shellpoint missed paying it and I reported that to them. They say they paid it in XX/XX/2020 with applicable delinquency fees but the country records show the amount has still not been paid. I have called numerous times and no one there has been at all helpful. At this point my taxes are 3 months late and the money has been deducted from my escrow balance but no one can tell me where it went. No one there returns calls or follows up as they promise.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX XXXX XXXXXXXX .... balance {$75.00} XXXX XXXX XXXX XXXX .... balance {$570.00} XXXX XXXXXXXX .... balance {$3900.00} XXXX XXXX XXXX XXXXXXXX .... balance {$18000.00} XXXX XXXX XXXXXXXX balance {$100.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-03-27
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I see that the same accounts were erroneous. XXXX and TransUnion are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Owed : {$10000.00}
Consumer complaint received 2023-06-03
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX  XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-07-01
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. (AR)

This is totally absurd, unacceptable, utterly RIDCULOUS that Experian did not respond within 30 days of my dispute and now refuses to honor my request by falsely accusing me of using a credit repair which is not Illegal. This is a deliberate refusal and violation of the FCRA and I expect you ( Consumer Financial Protection Bureau to hold them accountable. in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on by certified mail that I questioned the accuracy of fraud related items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, US Dept of Education, Univ XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that thi is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-12-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

While reviewing my Experian credit report I see that there is collection charges from the same vendor and same collection agency six times. Just last year I received my social security card and work authorization card. I have no recollection of these reported collections. 

Vendor : XXXX XXXX XXXX XXXXXXXX Credit bureau : Experian XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IN XXXX Charges : {$320.00} XXXX {$250.00} XXXX {$320.00} Date : XX/XX/2021 {$350.00} Date : XX/XX/2021 {$220.00} Date : XX/XX/2021 {$270.00} Date : XX/XX/2021 Please advise on how I can have this removed from my credit report. Thank you, XXXX bless.
Consumer complaint received 2021-07-04
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (CO)

I have asked Experian multiple times via certified mail disputes to remove an inaccurate " XXXX  '' code from the Payment History for my XXXXXXXX XXXX XXXX account. 

This " XXXX  '' code has been listed for XX/XX/2021 despite the fact that the account was settled at {$0.00} in XX/XX/2021. Under the guidelines of the Fair Credit Reporting Act, accounts that have been settled, even if settled for less than the full amount, should no longer display any new payment codes. 

Because the account was settled in early XX/XX/2021, the payment code displayed on my Experian credit report for this account for XX/XX/2021 is inaccurate and must be removed. Any payment codes posted after XX/XX/2021 are considered re-aging the debt, a serious violation of the Fair Credit Reporting Act under Section 623 ( 5 ) ( A ).