davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

On XX/XX/year>, I sent certified mail to XXXX, XXXX and Experian, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks
Consumer complaint received 2024-08-14
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. (NC)

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I have had repeated issues endeavoring to obtain a loan modification from Wells Fargo, with my having remitted the last XXXX months payments in good faith, all of which were accepted by Wells Fargo, though apparently I was denied for a loan modification. To further compound the matter, they indicated on their website relative to my actual loan that I was " pre approved '' for a loan modification. Upon calling today, I was told they knew nothing of what they inputted. Not only strange conduct, but frankly it amounts to intentional or at least negligent infliction of XXXX.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I have tried to do evrything wright called the creditor back in XXXX they said they would submit an investigation never heard from them again till today then I asked the credit agency to review all the information sent never got any response just stating documentation invalid so no I got tired of that and I am requesting help its been XXXX months since I ever touch the topic again I dont fid it fair that no one gives a straight answer on why is the debt accurate when they have nee sending text messages to my dead uncles phone number I checked with my aunt XXXX the man has no accounts with the next creditors XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX nor has any inquirires or called any of these creditors XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX Credit Cards XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX and desist calling my neighbors they do not owe you anything and neither do I
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To my understanding it is a violation of my rights under US law. Under the fair reporting act 15USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 reporting agency can not furnish an account without my written instructions. 15 USC 1661b ( 2 ) and pursuant to 15 USC 1666b a creditor may not treat a payment on a credit account as late for any purpose. Please remove these late payments under these US laws Account info Account name XXXX Account # XXXX Account type auto loan
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This CFPB complaint has been filed to request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The XXXX XXXX and Experian Credit reporting agency, Block information Appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this report. This fraudulent, inaccurate and false information consist of personal credit card accounts, Hard inquires, Installment loans and an auto loan, wrong personal information. These Accounts have resulted in collections and hard inquires being reported on my Consumer fico credit report. I have attached a list of every fraudulent item also i have attached a copy of my full credit report from XXXX. which shows all aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquires as reported. the aforementioned accounts collections or hard inquires maintained by you on my credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquires are all a result of identity theft and fraud. I have attached the copy of the FTC Identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE Commision that all of the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft and fraud.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account.

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX  XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (IL)

Maintaining a credit file on me with out my written permission I am demanding that you freeze and delete any file that you have on me Failure to do as I state will result in my filing a federal lawsuit against your company
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2500.00} Status Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX XXXX, XXXX. 

MACYS/CBNA Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2100.00} Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$5200.00} Status Account charged off. {$6500.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. {$520.00} past due as of XX/XX/XXXX. 

XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. {$300.00} written off. {$490.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1400.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5200.00} Status Collection account.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2016-03-22
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. 

FYI. None of the above options accurately identify my problem. You should have a " None of the above '' option.
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service (NV)

I previously contacted your agency regarding this debt trying to be collected regarding Clark County Collections, your company was able to get this agency to send the signed consent of authorization which thank you as this is dated back in XXXX which is even past the allowed time for this agency to report on my credit file. It has been XXXX years. I am requesting this agency to remove as they are violating my rights per the FCRA only allows data to report for XXXX years only. Please help as the credit agencies and Clark County are not following the law.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Bankruptcy XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 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 that records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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. Experian Never Sent the periodic statement along with t
he 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (LA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC (FL)

Company Keep send me letter saying that i owe them Money when I have never signed an agreement with them. This dept looks to be from XXXX XXXX. I never gave XXXX XXXX permission to sell my personal information to any one. This is the XXXX letter from Firstsource in which they have not said how they retained my information from XXXX XXXX. They have also failed to show my signature, account information. only to send letters saying that i owe them.