davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CORELOGIC INC (MA)

the following are the list of inquires made by this companies. I request that the protection bureau takes action and request this companies to comply and eliminate my information from their system. This companies are currently on my credit report. I have no knowledge of how they are in my report. please advise urgently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
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: LoanCare, LLC (NJ)

I fell behind on mortgage payments due to being out on maternity leave and being paid only 65 %. During this period, I also got sick with covid. I had a baby born in XX/XX/XXXX that was born early at XXXX weeks. The baby spent over a month at XXXX. Baby was delivered through XXXX XXXX 

XXXX XXXX does not want to update the credit report even though they were notified I was affected by Covid and tested positive on XX/XX/XXXX. I was unable to get the covid vaccine due to being XXXX  from mid XX/XX/XXXX through my early delivery on XX/XX/XXXX. I was XXXX XXXX  until XX/XX/XXXX and finally got the covid vaccine in XX/XX/XXXX. 

Through XXXX I also suffered from long Covid. I tested positive for covid in XX/XX/XXXX. I was out of work until about the end of XX/XX/XXXX. I briefly returned to work from late XXXX through early XXXX. It was discovered that I had XXXX XXXX, difficulties breathing ( scar on XXXX ). I was out of work on leave from early XX/XX/XXXX through early XX/XX/XXXX. My employer paid me 100 % of my wages during this period.
Consumer complaint received 2022-06-11
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. (AR)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXX XXXX & XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Services Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (OH)

CFPB Case # XXXX-XXXX  was resolved with Specialized Loan Servicing stating in part : " Our records reflect that the account was reported as delinquent after the account was approved for the above-referenced loan modification trial period plan. A manual update was submitted to the credit reporting agencies on XX/XX/XXXX, indicating the account is participating in a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. This update will be received by the credit agencies within 72 hours ; however, it may take additional time for them to update their records and for this to appear in official reporting. Please use this letter as verification of this correction. We regret any inconvenience this may have caused. '' On XX/XX/XXXX I was denied a mortgage due to my credit reports still showing an erroneous 120 day delinquency reported for XXXX of XXXX by SLS. On XX/XX/XXXX I called SLS and was told by XXXX ( teller ID XXXX ) that she would submit a ticket to have the delinquency removed. On XX/XX/XXXX I was contacted by the escalations department and told that the ticket had been denied, I was still considered 120 days delinquent. I asked them to read the XX/XX/XXXX letter which she did while I was on the phone. She promised to put in another ticket and reference the letter. 

We are now at 10 months and counting where I am being denied credit due to this erroneous credit reporting by Specialized Loan Servicing. At no point was I delinquent on my loan, the 90 day forebearance was pre-approved, I entered and completed the trial period of 3 months and my loan was modified. It is clear that SLS struggled and continues to struggle with loan modifications due to COVID. This system glitch has now impacted two loans for me.
Consumer complaint received 2022-06-11
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. (GA)

Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

This was an amount placed on my report due to a health club not allowing it's customers to cancel their memberships. 

I cancelled this account on XX/XX/2016 in person at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX When I told them i was cancelling my membership they said I can not do this in person, and I needed this in writing. I was not happy that they allow you to sign up in person but refuse to allow you to cancel your membership in person. 

I told them this was not above board and may be illegal. I went home and brought back a signed and dated document that stated I was enjoy my membership of lifetime. Since this was a month to month agreement I told them to not charge me beyond 30 days of this date. The front desk employee told me that her owners stated that there had to be a verification system through a third party vendor to cancel my subscription. I asked for this information. They said you can not call them, you can only email this information. 

I said let me get this striaght, I can not cancel this in person or in writing and the only way to cancel this is to email this third party service? 

I emailed the third party service many times and they never returned my emails. I spoke to others who had the same problem with the same company. 

The owners kept trying to bill me and then sold this debt to PROCOLLECT at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Texas XXXX I presented this to the original creditor and they agreed with me. They said they changed their protocol and cancellation policy due to the overwhelming number of complaints. But PROCOLLECT continues to robocall me every day.
Consumer complaint received 2020-11-27
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. (SC)

I disputed the alleged collection agency XXXX XXXX  on XX/XX/XXXX more than 2 months ago got a response from Experian that suggested that they didn't do any investigation then I did an online dispute and came back even more convinced they did not investigate the alleged collection account being that the status date didn't change at all which was one of the many flaws found in the inaccurately reported account. 

XXXX  and XXXX d

id not mail me in a report at all and as for the alleged collection agency themselves they failed to send me any proof and if they say they did not know I disputed this debt then that means that Experian lied by saying the alleged collection agency verified the debt, how could you verify an account for a dispute you did not know of? Now here I am complaining to you about this alleged collection account reporting inaccurately. 1.Date of First Major Delinquency Reported is not consistent 2. No Date of Last Activity Disclosed on Experian and XXXX  how do I know this hasnt been re-aged 3. No original Contract with Third party Clause showing the alleged collection agency as a rightful party to this alleged debt in case of default Sent to me at all If so show the certified mail proof 4. NO 1099 OID -Original Issue Discount sent to me at all If so provide me with certified mail proof 5. Balance owned/ Past Due balance on a collection account 6. Chasing a time barred Debt this debt has been past my states Statue of limitations for about a year now by looking at the alleged date of first major delinquency on this file XX/XX/2016 which is not a full date in itself 7. Account # XXXX inconsistent I have attached plenty of documents explaining my case, please take this seriously
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2021-10-06
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. (NC)

On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,
Consumer complaint received 2022-06-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

on XX/XX/22, I sent a dispute letter to XXXX, Experian and XXXX asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.
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: EQUIFAX, INC. (AL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
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. (AL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IN)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN XXXX
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX  : account # XXXX and account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2021-06-10
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. (OH)

I received a postcard that stated I was included in a class action lawsuit against XXXX  because since XX/XX/2013, I received a Notice of Our Plan to Sell Property letter after my vehicle was repossessed, which had a vehicle sale date that contained the phrase on or after. 

The settlement was APPROVED by the Court and therefore ; XXXX is required to waive my deficiency balance and request that credit reporting agencies DELETE ALL trade lines associated with my account. 

Neither of these has been done.