davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX  XXXX  with ACCT  # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-10-18
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 have made multiple attempts to resolve the issue of fraudulent inquiries on my consumer report, which are not linked to me. These inquiries have caused me significant mental and financial distress, as I am a victim of identity theft. If not addressed properly, I may have to consider legal action. The inaccuracies on my report have obstructed my ability to purchase my dream home and support my family. For your reference, Ive attached a copy of my letter to the Federal Trade Commission ( FTC ) detailing this issue and my request for resolution.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

My complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key factors that adversely affected my Experian credit score : XXXX SERIOUS DELINQUENCY. Note : According to Experian reporting, I have XXXX open accounts, all of which have never been late. Note : According to Experian I have XXXX closed accounts, XXXX XXXX XXXX account paid off XXXX years early when XXXX misreported a late payment in XXXX which I disputed ; XXXX Department of Education Account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX loan closed, having never been late ; XXXX XXXX XXXX XXXX account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and Credit Union and scheduled to drop from reporting in XX/XX/XXXX ; XXXX XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate XXXX for each and scheduled to drop from reporting in XX/XX/XXXX. 
XXXX RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. Note : According to Experian reporting my ratio to limit is 2 % with credit availability of 98 %. 
XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. Note : My ONLY LOAN, a student loan balance is currently {$76.00}, XXXX and I am currently paying no interest, with the balance scheduled for discharge under the Public Service Program. Based on the program criteria, my monthly payment is {$0.00} and will be fully discharged on XX/XX/XXXX. 
XXXX NUMBER OF ACCOUNTS WITH DELINQUENCY. Note : According to Experian, I have no accounts with delinquency. Delinquency is defined as a failure to pay outstanding debt. Neither the XXXX XXXX XXXX XXXX, XXXX, or my student loan are outstanding. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both formally and inexplicably abandoned all right and recourse to their claim, with prejudice, and have no recourse to recovery. My student loan is neither outstanding nor inappropriately high as I am in full compliance with the repayment plan. XXXX TOO MANY INQUIRIES LAST 12 MONTHS. According to Experian, I have XXXX inquiries on my credit report XXXX of which are Mortgage and Rent. The XXXX remaining inquiries are disputed as they were obtained under the premise there would be no hard inquiry or impact to my credit report. As a direct result, they should be stricken.
Consumer complaint received 2024-10-18
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. (NC)

Subject : Immediate Demand for Removal or Update of Inaccurate Negative Accounts Dear Experian, I am disputing all negative accounts on my credit report as they are inaccurately reported as charged off with a balance due. This includes the following accounts : XXXX XXXX XXXX ( Account No : XXXX ) {$180.00} balance inaccurately reported as charged off. 
XXXX. XXXX XXXXXXXX XXXX XXXX ( Account No : XXXX ) {$5800.00} balance charged off without proof of validation. 
XXXX. XXXX XXXX XXXX Account No : XXXX ) {$6000.00} collection balance due to inaccurate reporting. 
XXXX. XXXX XXXX XXXX ( Account No : XXXX ) {$1000.00} balance falsely reported as in collections. 

Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported accounts. Proof of these charge-offs was never provided, meaning the current balances should either be updated to zero or the negative payment statuses must be deleted from my credit report. Additionally, Section 605B of the FCRA entitles me to the removal of fraudulent accounts, particularly following the data breach as confirmed by the FTC ( Report ID XXXX ). 

I demand that these issues be resolved immediately. If you can not verify these accounts within 30 days, you are legally obligated to remove or correct the negative information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX [ FTC Report Number : XXXX ]
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (KY)

I recieved an alert notification from my XX/XX/XXXXXX/XX/XXXX account indicating that I had a new account reported under my ss #. 
I checked my account to my surprised discovered that a citi bank credit card showed reporting under my name and social security number. I know I never sign up for a credit card by citi bank. I am aware that my husband added me as an authorized user on his account but not a responsible party for any financial lost. My husband never gave Citi bank my social security number only my name and date of birth. My husband Clearly made sure Citi bank will not report this as my credit and being responsible for any of the debts while using my husbands citi credit card. He added me as an authorized user on XX/XX/XXXX shortly after we got married. 
Citi bank reported me to the 3 major credit bureaus i e XXXXXXXX XXXX and XXXX. 
My husband contacted Citi bank and explained to them that I was only to be added as an authorized user and nothing more. He also asked them how did they locate my personal information to report me to the credit bureaus. They said it came from XX/XX/XXXX, a warehouse store that requires a membership to shop and paying an annual fee. However XX/XX/XXXX does not required anyone 's social security number to obtain a club card unless that individual decided to applied for a credit card. My husban open a Citi credit card I believe on or aroundXX/XX/XXXX of XX/XX/XXXXHe opened a XX/XX/XXXX XX/XX/XXXX card onXX/XX/XXXX. 
Citi bank reported me the credit bureaus XX/XX/XXXX. 
The call was made to removed me from the reporting and to closed the citi bank credit card. 
I feel this practice is not legal and it is adversely effecting my personal credit negatively and Citi Bank needs to be addressed and inform regarding to this practice.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (MA)

My mortgage with Cross Country Mortgage was in forbearance because of the pandemic. I requested a deferral back on XX/XX/XXXX. During the pandemic, XXXX XXXX and XXXX XXXX started a program that all " XXXX and XXXX '' mortgages that were in forbearance can be changed into a Deferral Program when the situation changes and we were able to resume normal payments but not bring the loan current ( not pay missed payments ). This program is supposed to be automatic with no waiting period. I am still waiting on XX/XX/XXXX. I can not access my account online to make a payment. I have to call and then I am charged an additional {$11.00} because I am paying over the phone. 

My husband and I have four other properties with four different mortgage companies and all I had to do was make a phone call and our loans were automatically deferred. 

Waiting two months to have this done is ridiculous. Every time I call them they tell me its in process. This is not supposed to be a process, its supposed to be automatic.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Kindly be exhorted that I have gotten your PC produced letter expressing that you have stopped examination of my credit reports on the grounds that, as you would see it, you accept that I host utilized a third get-together credit fix the office. In addition to the fact that I believe this to be a slow down strategy on your part to concede you an extra 30 days to agree to my unique solicitation, yet I trust it to be an outright infringement of the FCRA. 

You were exhorted by me on XXXX and XXXX by ensured mail ( COPY ENCLOSED ) that I scrutinized the exactness of a couple of things on my credit reports. That solicitation was composed by me and sent by me-not an outsider office. It seems clear to me that you are manhandling your capacity under the FCRA to get away from a total examination. 
As indicated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to confirm, through the actual check of the first marked buyer contract, all records that you post on a credit report. Else anybody paying for your detailing administrations could fax, mail, or email in a false record. I interest to see evident evidence ( i.e. : a unique purchaser contract with my mark on it ) that you have on the document for the record recorded beneath. 
Your inability to decidedly check these records has harmed my capacity to acquire credit. Under the FCRA, inaccurate and unverifiable information must be deleted from a consumer 's credit report. 
Moreover there is NO law that expresses a customer can't utilize an outsider, so utilizing that as your reason is an immaterial. Truth be told, the United States Congress has discovered the entire cycle so overpowering that they bear the cost of buyers the option to utilize an outsider for their sake in the event that the shopper so decides. This is the reason your assertion is so disgraceful.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXXXXXX XXXX : After contacting XXXXXXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXX XXXX  acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, Experian, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-08
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XX/XX/XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau XXXX : Attorney Generals Office CC : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bank put a freeze and closed my account without notification and previously I had reported my card lost and called in that same day they never credited me three weeks later told me it was fraudulent activities and couldn't credit my account
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Complaint Regarding Inaccuracies and Time-Barred Debts on Experian Credit Report - Report No. XXXX Dear CFPB, I am writing to formally lodge a complaint regarding multiple inaccuracies and outdated information on my Experian credit report, reference number XXXX. These issues are affecting my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific issues I am encountering are as follows : Inaccurate Information : My credit report contains numerous errors, including accounts I have not authorized or do not recognize. 
Time-Barred Debts : Many of the debts listed are past the statute of limitations for collection under Georgia law ( O.C.G.A. 9-3-25 ), which is four years. Despite this, they are still being reported as outstanding.

Failure to Update Information : Several debts and negative items remain on my report well beyond the legally allowable reporting period. 
I have contacted Experian to dispute these inaccuracies, but they have failed to correct the errors within a reasonable timeframe. This unresolved situation is causing unnecessary harm to my credit score and financial standing. 

I kindly request that the CFPB intervene and ensure that Experian corrects the inaccuracies, removes all time-barred debts, and updates my credit report accordingly. I would also appreciate guidance on further steps to ensure my rights under the FCRA are upheld. 

Please feel free to contact me if additional information or documentation is required to investigate this matter further. I appreciate your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-01-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XXXX of 2018 I signed a Home Affordable Mortgage Agreement to modify my mortgage loan serviced by Penny Mac. At the time of the modification Penny Mac secured a partial claim from HUD to bring the account current and establish a new payment. The first payment was due XX/XX/2018. However they did not disclose how the funds received from HUD were applied. I received a statement in XXXX of 2018 and XXXX of 2018 showing several payments of XXXX with no explanation. I called Penny Mac multiple times requested a statement of the charges that were covered with the HUD credit balance and my payments. They have failed to provide this information ; they only stated that it went towards " fees '' but have not provided any explanation or documentation of the fees. Based on this information and lack of providing proof of the debt and how the HUD funds were applied I believe balance reported is higher than the actual amount owed on the mortgage. There may have been an accounting error. I need assistance in investigating the validity of the debt since they have failed after multiple attempts to provide a written explanation of how the funds were applied and the fees they charged me. I'm not sure they are in line with what HUD allows.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNCOAST CREDIT UNION (FL)

XX/XX/21 XXXX recieved a call from XXXX ( XXXX ) XXXX robot advertising reduction in visa interest rate ( not from my bank or any named bank but from XXXX fl ) and I could hear someone answer over the robot, then get quiet and heard messaging over XXXX , I ignored the prompt and said I can hear your XXXX messenger in the background and they hung up on me quickly after.