davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Client has been repeatedly mistreated during efforts to modify loan, most recently was denied based upon his being divorced and a " successor in interest '' to the original party to the note, his ex-wife. Specifically, modification was denied on basis that property was not " owner occupied '' despite client 's ownership and occupancy, demonstrated to servicer countless times. Second, denial of application based on this " occupancy '' issue is in direct violation of the XX/XX/XXXX amendment to the XX/XX/XXXX mortgage rules under RESPA ( Regulation X ) and TILA ( Regulation Z ) found at 12 CFR 1024 and 1026, which rules were implemented to protect " successors in interest '' to mortgage and property ownership by virtue of divorce decree. Despite this status and the explicit provisions of the rules, client 's modification was denied based on his status as " non-borrower '' ( the so called " brick wall '' ), the repeated request for unnecessary and nonexistent documentation of home ownership and occupancy ( the " treadmill '' ), and have otherwise made the application for modification unnecessarily difficult. The same documentation was requested countless times. When the servicer 's employees would finally acknowledge receipt of a particular document, they would invent inadequacies and demand additional information which bore no relation to the client 's ability to pay the loan or any other relevant factor in evaluating this request. By way of example and not limitation, client is XXXX and submitted personal financial statement. Servicer then requested further documentation to explain the financial statement in detail which was simply designed to make client produce more paperwork, and did not provide any additional information. These requests for " clarification '' were repeated and abusive, and the ultimate denial of the modification was not based upon any of the information repeatedly provided and painstakingly supplemented, but upon the " borrower 's '' non-occupancy of the property in question. Servicer also claimed investor did not offer modification under the circumstances in question, a claim that was never validated or documented. In short, client was completely " run around '' in the process of attempting to modify his loan, and his application was improperly denied.
Consumer complaint received 2024-07-20
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. (FL)

PLEASE MAKE SURE EXPERIAN IS SENT THE ENTIRE XXXX PAGE PDF DOCUMENT THAT IS ATTACHED AND THE FOLLOWING INFORMATION. 
I am writing to follow up on a previous dispute letter I sent regarding fraudulent information on my credit report. Despite my initial request to block the fraudulent account under FCRA 605B ( 15 U.S.C. 1681c-2 ), the disputed account has been re-added to my credit report. I am now invoking FCRA 611 ( 15 U.S.C. 1681i ) and requesting a method of verification for this account. 

Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : On XX/XX/XXXX, I submitted a formal complaint to Experian XXXX requesting the blocking of fraudulent information on my consumer credit report. The specific account in question is : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX This account, along with related fraudulent collections, was identified as being the result of identity theft and fraud. I provided substantial evidence, including : FTC Identity Theft Criminal Complaint # XXXX A police report from the XXXX XXXX Police Department Copies of my Driver 's License and Social Security card Despite your initial removal of this account, it has since been readded to my report. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that Experian reinvestigate this matter and provide me with the method of verification used to readd this account to my report. 

Specific Requests : Reinvestigate the disputed items listed in my initial complaint. 
Provide a detailed method of verification, including the source of information used to readd this account. 
If you are unable to verify the source of information or fail to conduct a proper reinvestigation, I request the immediate deletion of the contested items from my credit report. 
Provide written confirmation of your actions and findings via email to XXXX. 
It is imperative that Experian complies with this request promptly and transparently. Failure to do so will result in further action to ensure compliance with the FCRA, including potential legal recourse for willful and negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

PLEASE MAKE SURE EXPERIAN IS SENT THE ENTIRE XXXX PAGE PDF DOCUMENT THAT IS ATTACHED. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
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. (KY)

I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically in relation to the account referenced with XXXX XXXX XXXX XXXX date : XX/XX/XXXX, XXXX XXXX  account number XXXX, dated XX/XX/XXXX, XX/XX/XXXX, After extensive review, I have identified discrepancies in the reports and it appears that there XXXX be a violation. of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account do not match my payment history. I would like to inform you that, to the best of my knowledge, I have consistently paid this invoice on time, in accordance with the agreed upon terms. 
I understand that under 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report must not contain information solely about transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between me and your company.

Additionally, I request that you provide me, in writing, the procedures [ under 15 USC 1666 ( b ) ] that you have adopted to ensure that each reasonable periodic statement is mailed to me ( the consumer ) no later than 21 days. before the payment due date. Also include all information required by section XXXX ( b ) of XXXX XXXX. 
Reference to PAANL ( Paid as agreed, never late ) : The terms of our agreement have always been met and the account in question should reflect a status of " Paid as agreed, never late '' based on payments made on time. It is imperative that my credit report accurately represents my financial responsibility and my commitment to meet my payment obligations. 
I hereby request that you provide documented evidence supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communications indicating that payments were indeed late. In the absence of valid evidence, I hope the credit report is rectified as soon as possible. 
If, after a thorough investigation, you are unable to provide verifiable evidence of late payments, I demand that the account be updated immediately to reflect its exact status as " Paid as agreed, never late. '' According to XXXX, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to comply with this schedule will be considered a violation. 
of the FCRA.
Consumer complaint received 2024-07-20
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. (KY)

I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically in relation to the account referenced with XXXX XXXX XXXX XXXX date : XX/XX/XXXX, XXXX XXXX  account number XXXX, dated XX/XX/XXXX, XX/XX/XXXX, After extensive review, I have identified discrepancies in the reports and it appears that there XXXX be a violation. of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account do not match my payment history. I would like to inform you that, to the best of my knowledge, I have consistently paid this invoice on time, in accordance with the agreed upon terms. 
I understand that under 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report must not contain information solely about transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between me and your company.

Additionally, I request that you provide me, in writing, the procedures [ under 15 USC 1666 ( b ) ] that you have adopted to ensure that each reasonable periodic statement is mailed to me ( the consumer ) no later than 21 days. before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid as agreed, never late ) : The terms of our agreement have always been met and the account in question should reflect a status of " Paid as agreed, never late '' based on payments made on time. It is imperative that my credit report accurately represents my financial responsibility and my commitment to meet my payment obligations. 
I hereby request that you provide documented evidence supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communications indicating that payments were indeed late. In the absence of valid evidence, I hope the credit report is rectified as soon as possible. 
If, after a thorough investigation, you are unable to provide verifiable evidence of late payments, I demand that the account be updated immediately to reflect its exact status as " Paid as agreed, never late. '' According to XXXX, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to comply with this schedule will be considered a violation. 
of the FCRA.
Consumer complaint received 2024-07-20
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. (CA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing at reasonable rates. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts.

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2024-07-20
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. (CA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing at reasonable rates. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Consumer complaint received 2024-07-20
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. (IL)

In XXXX of this year I checked my credit and noticed several unauthorized and incorrect items. On XX/XX/2024 I wrote to the bureaus to dispute the items and have them removed. None of these people had a permissible purpose or consent to obtain my credit reports. To date, this credit bureau has not responded to my letter, nor has it taken any steps to rectify the errors and damages done to my credit. They are willfully disregarding my dispute. They are willfully reporting inaccurate information.
Consumer complaint received 2024-07-20
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)

the Fair Credit Reporting Act, 15 U.S.C. 1681 ( g ) I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
Consumer complaint received 2024-07-20
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. (FL)

There has been a record of disputes on this fraudulent account. I have reached out to both Experian Credit Reporting Agency and XXXX XXXX XXXX to provide validation of the account. I have no relations with XXXX XXXX XXXX XXXX and I have requested numerous of times for this alleged account to be removed from my credit report. I am a victim of identify theft. Experian Credit Reporting Agency are aware does have this updated in their records. Accurate information should be reported to my consumer report. Accounts that I have no knowledge of should be deleted from my consumer report. According to the FCRA credit reporting agencies are required to ensure the maximum accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) I also have the right to request information on how the account was verified. In this case both Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX has violated my consumer rights.
Consumer complaint received 2024-07-20
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. (CA)

XXXX XXXX Account # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Closed Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Collection account from XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$4200.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this in accurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Consumer complaint received 2024-07-20
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. (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 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (CA)

I applied for the Destiny credit card issued by First Electronic Bank and provided the documentation they requested to verify my identity, when I called to ask about the application status. I received another request over the phone to supply a utility bill for identification, even though there was no written request for this information, had I not called I would have not known about this missing information. The process took more than two weeks. 

I then received an email on XX/XX/XXXX letting me know that my application was denied, because " Unable to contact you per alert on your credit report. '' They called ONCE, and I missed the call, and they made no further efforts to contact me again, or to leave a voicemail so that I was aware they were trying reach me, and I was unaware what number they would be calling from as well. I had also called them multiple times to verify my information, from the number listed on my fraud alert. 

This organization is not following the law and complying with fraud alerts adequately. A fraud alert is a security measure consumers can take to protect their personal information, requiring proper verification of credit inquiries. These inquiries should be properly handled so that fraud alerts can protect both banks and consumers, and should not be used as a reason to deny applications or discriminate against these applications that require lawful measures of security and protection.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.