davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (MS)

In XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Bridgecrest repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to Bridgecrest multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with Bridgecrest and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, XXXX it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, Bridgecrest to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with XXXX, XXXX, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

Last XXXX I submitted a request to UWM to set up a property tax and homeowners insurance escrow account for me on top of my existing mortgage with them. They responded, they requested {$6500.00} to set up the escrow account. That was sent to them and I heard nothing from them, since XXXX! That is a lot of money to a single income household. And now they send me a message XX/XX/23 stating that I need to choose whether I want an escrow for insurance or for tax or for both set up? And, if my property taxes are due within 60 days I have to pay it before they can set up the account? Are you kidding me? I am so unbelievably angry right now. Take a look at my credit, I have XXXX scores and take so much pride in keeping my finances straight and paying on time. XXXX XXXX right now. I have attached proof of payment they requested to set up account, I provided their letter and my handwritten letter ( which was also requested )
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

I requested a copy of my consumer report from Lexis Nexis via their website in XX/XX/2022. I was denied online access and was forced to wait for a copy to be sent via mail. After waiting for it to arrive I received a letter from Lexis Nexis " RE : Unable to process request ''. They are asking for personal and private information that I am not required to give nor am I comfortable giving.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I sent a formal letter to XXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXX XXXX. 
This failure to provide debt validation within the required 30-day period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to 2 different XXXX XXXX XXXX  Addresses ). 
Given that XXXX XXXX did not validate this debt within the legally required timeframe, I hereby demand that Experian immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX  Account Number : XXXX Reported Balance : {$11000.00} Balance
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am a XXXX XXXX XXXXXXXX XXXX was told by a real estate agent to go on line and get information from XXXX XXXX XXXX XXXX to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with XXXX XXXX XXXX XXXX in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 

When I call them to have them remove the inquiry they argued with me ( XXXX supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CO)

I had a auto loan with Wells Fargo, one month XXXX sent them a auto payment it was returned the next day. XXXX says it was Wells Fargo who sent it back Wells Fargo says it is my bank. I just want it off my credit i XXXX said they would take it off, but Wells Fargo is reporting it. Wells Fargo will work with me at all they have just been hanging up on me.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NY)

The mortgage company received over XXXX for past due taxes. They only needed {$10000.00}. 
A partial refund was received and the mortgage company kept the additional money they received from NY state without permission or my knowledge. Instead of paying the current tax bill with the money they kept, they applied the money towards the principal on the mortgage without permission or knowledge. 
It took two hours on the phone, because the bank kept stating they never received the {$27000.00}. 
Which I have documented from the bank itself.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NC)

I closed my Sam 's Club XXXX credit card account more than a year ago by phone. Sam 's Club or Synchrony, the issuing bank, automatically opened a new Sam 's club credit card under my name in XX/XX/XXXX. I never received this new card or activated it, but then received a statement through the mail that was sent to my old address. I had moved over 2 years ago, and I was only made aware of this new account when this letter was forwarded to me in XXXX. The statement included charges made on the card for a {$50.00} Sam 's club annual membership fee on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called the number on the statement ( XXXX ) to cancel the card. The representative mentioned the canceled card was declared stolen which is how a new card was issued, but was able to cancel the new card.
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (NY)

My ex husband had a business which I had a XXXX XXXX XXXXXXXX card in the business name that was granted his in the divorce proceeding. It was sent to Credit Control collection agency who called me OVER 10 times a day. I paid a few payments until the judge deemed it his debt. At that point I sent a debt validation letter along with a cease from ALL contact request and asked for proof of all of the applicable information from this debt collector certified returned receipt requested ( sent XX/XX/XXXX tracking XXXX XXXXXXXX was received XX/XX/XXXX ). I only received PARTIAL information back which in turn makes it so they can not report to the credit bureaus. This company has not so far however they continue to call and harass me. I received yet another call XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. As previously stated this is NOT my debt and I informed to refrain from contacting me. I suffer a very serious medical condition ( XXXX XXXXXXXX XXXX ) and the constant harassment is causing pain and suffering on my health. 

I do have photos of the receipt from the post office if required including tracking number listed above FINAL DECREE ATTACHMENT PAGE XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I submitted a previous complaint about unverifiable or unvalidated information being reported. It was not deleted from the consumer report as it should have been. I submitted a letter from an entity named in the report that expressly states the entity is " not responsible for verifying or validating information from consumer 's credit files, '' to the credit reporting companies, therefore Experian should not be reporting the unverifiable, unvalidated information, they are breaking the law. 

Experian suspiciously leaves my name off the dispute report as a criminal would in order to deny the intentional reporting of unverifiable or unvalidated information, though they leave my name on the consumer report that is given as a result of the dispute. Experian does not provide CONTACT information for the public record entity the same way it is listed for other accounts being displayed on the consumer report. Other accounts appearing on the report have information listed next to " Contact Info ''. Experian instead lists " Court Info '' instead of contact info, which does not match the contact information in the official letter provided on the court 's website. I know they did not contact the court and if they did, there still would have been nothing verified or validated. 

Experian claims, " The company that reported the information has certified to Experian that the information is accurate. '' Who was the company that reported the information if it is not the contact info of the court info listed? What is this alleged company 's certification process and where is the certificate of accuracy? I was not provided with any certified proof of who they contacted to verify any information. If there is no certification, how can there be verification especially when the entity explicitly states they do not communicate with the credit reporting companies.
Consumer complaint received 2024-10-08
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. (GA)

I am submitting this complaint regarding two student loans listed on my credit report under the U.S. Department of Education ( U.S. Dept of EDXXXX XXXX XXXX which do not belong to me. These loans, identified with the following balances, were previously disputed and removed from my credit report, but they have reappeared : Loan 1 : Balance of {$2200.00} ( reported on Experian ). 
Loan XXXX : Balance of {$1500.00} ( reported on Experian ). 
Loan : Balance of {$2200.00} ( reported on XXXX ). 
I have no knowledge of these loans and have never taken out student loans with the U.S. Department of Education. I attempted to contact the credit bureaus and loan servicer by mail to dispute these items again, but my letters were returned as undeliverable. These loans are not only inaccurate but are also severely damaging my credit score and limiting my ability to obtain credit.

Actions Taken : I successfully disputed these loans in the past, and they were removed from my credit reports. 
Despite being removed, these loans have reappeared on my Experian and XXXX credit reports, causing further harm to my credit. 
I attempted to send dispute letters to both Experian and XXXX, but my correspondence was returned as undeliverable.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
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. (GA)

I am filing this complaint against XXXX XXXX regarding their reporting of inaccurate and harmful information on my credit report, which has caused significant financial and emotional damage. 

On XX/XX/year>, I sent XXXX a formal notice disputing the accuracy of the information they reported to the credit bureaus regarding the account number XXXX. I cited my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and requested validation of the alleged debt, which they have failed to provide. Despite my request, XXXX continues to report the account as charged off, with a balance of {$430.00}, causing serious damage to my credit score. 

The inaccurate reporting of this account has led to multiple denials of credit, negatively affecting both my personal finances and business. Furthermore, this situation has caused significant emotional distress and damaged my reputation. 

XXXX 's reporting is not only inaccurate but also violates the FCRA, as they have failed to correct or verify the debt. Under the FCRA and FDCPA, XXXX is required to either provide validation of the debt or cease reporting the account. Their failure to do so has resulted in substantial harm to my financial standing. 

Actions Taken : On XX/XX/year>, I sent a formal debt dispute and validation request to XXXX under 15 U.S.C. 1681s-2 ( FCRA ) and 15 U.S.C. 1692 ( g ) ( FDCPA ). 
Despite this request, XXXX has continued to report inaccurate information, failing to validate the debt or provide a satisfactory response. 
I have not received any communication regarding the requested debt validation, and the erroneous information remains on my credit report, negatively impacting my creditworthiness.
Consumer complaint received 2023-01-16
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-01-16
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
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. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-08
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. (MD)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.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 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I sent a formal letter to XXXX XXXX requesting validation of a debt as per federal law 15 U.S. Code 1692g - Validation of Debts. As of today, several months have passed, and I have not received any validation from XXXX XXXX 
This failure to provide debt validation within the required XXXX period, as mandated by law, is not only non-compliant but also illegal. Attached are copies of my original letter dated XX/XX/year>, along with the certified mail receipt confirming the date of my request ( Sent same letter to XXXX different XXXX XXXX  Addresses ). 
Given that XXXXXXXX XXXX did not validate this debt within the legally required timeframe, I hereby demand that Experian immediately remove this wrongfully reported account from my credit report. The continued presence of this unvalidated debt is causing me significant and ongoing harm, and it is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The account that must be deleted is as follows : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$960.00}