davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Attached you will find detailed dispute docs detailing the inaccuracy and the validity of the debt collection attempt. Let 1st say that this account was removed from my XXXX consumer report due to the company performing a thorough verification and validation. So I question what was your verfication process. I don't see anywhere that states where the account was last verified. I don't see a ( n ) account status on this report either so is it reporting open or closed. Account is showing a balance owed yet I have never receivied a 1099-c from the " original creditor ''. The dates last active on this reporting are egregiously inaccurate and of course according to US 1681 everything has to be 100 % accurate on my consumer report. How is that so if the account was properly investigated. I'm willing to battle this to no end to clear my name and preserve my positive consumer rating!! Delete this crap now!!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). 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 information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2021-01-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (CA)

Kia finance marked me late for 2 months when the last 2 months was supposed to be covered by the dealer " XXXX XXXX  XXXX XXXX '' this happened during covid times and it was impossible to get on hold of Kia finance over the phone, I tried numerous times and when I finally was able to speak to them and explain they already affected my credit really bad! 
I wish they could be more considerate and at least understand my situation, These are unprecedented times COVID put a lot of people out of work and I have never been late not even once on my previous or new lease with them so it is ridiculous that they refuse to remove the 2 months late charges on my credit report!
Consumer complaint received 2024-07-24
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)

Dear Sir/Madam, I am writing to address a serious issue regarding a collection account on my credit report, which has been causing me significant distress and financial harm. The collection account in question is from XXXX XXXX XXXX XXXX, and despite my numerous attempts to resolve this matter, I have been met with repeated disregard and negligence on the part of your organization. 

I have diligently followed the proper channels by contacting XXXX XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) and Better Business Bureau ( BBB ) with proof of my attempts to resolve this issue. However, my efforts have been consistently ignored, and I have not received any written notification from them regarding the validity of this debt before it was placed on my credit report. 

It is alarming that Experian has failed to provide any evidence of a written notification being sent to me, as required by consumer protection laws. While both XXXX and XXXX have acknowledged the lack of verification for this collection account and have removed it from my credit report, Experian continues to insist that the information is accurate without providing any substantiating evidence. 

I have repeatedly requested proof of verification from Experian, only to be met with silence and further delays. This blatant violation of my consumer rights and the persistence in reporting inaccurate information is unacceptable and is hindering my efforts to rectify my credit profile. 

Furthermore, I must emphasize that I am a victim of identity theft, and the unwarranted presence of this collection account on my credit report is impeding my ability to restore my identity and financial stability. Experian 's refusal to cooperate and rectify this situation is exacerbating the harm caused by this wrongful reporting. 

I demand immediate action to rectify this matter, including the removal of the disputed collection account from my credit report and a thorough investigation into the mishandling of my consumer information. Failure to comply with these demands will leave me no choice but to pursue legal action against Experian for its blatant disregard of my consumer rights and its role in perpetuating the harm caused by identity theft. 

I urge you to take this matter seriously and act swiftly to address these concerns. I expect a prompt response detailing the steps you will take to resolve this issue satisfactorily.
Consumer complaint received 2024-07-24
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. (GA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-24
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-24
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Quicken Loans is my current Mortgage servicer and I live in CA. 
XXXX XXXX from Quicken Loans started my loan refinance after several calls to my home phone. When I was given the Initial Disclosure, I agreed to start the process, This Monday XX/XX/XXXX I was sent the Closing Disclosure for me to review and acknowledge. I started checking all the numbers to see if there were any differences and I discovered a discrepancy of {$2200.00} in Section F line 01 in the prepaids section. My current loan escrow impound just paid {$1100.00} for my Home Insurance on XX/XX/XXXX and it covers my home until XX/XX/XXXX, but the money was paid from my current escrow impound because I keep track of payments of taxes done. 
Anyways there is a OVER CHARGE of {$2200.00} in the closing disclosure and I already talked to XXXX XXXX XXXX direct and still do not have a resolution to this. They claim they prepaid my home Insurance and thats the EXTRA {$2200.00}, But I know this is a Scam. 
They are trying to rob me if I had NOT pay attention to the Final numbers.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

In XX/XX/year> after a verbal request for a report, Experian sent a report, and I received the report on XX/XX/year>. That same day I called to have inaccuracies corrected and requested a report as proof of changes. I also sent this request in writing XX/XX/year>, with specific instructions of changes. Received report XX/XX/year>, without required verbal changes. Page XXXX of XXXX reads personal information DOES NOT IMPACT YOUR CREDIT SCORE AT ALL. This to me was a blatant denial of my request. I then called Experian again to remove all inaccurate information and stated that I mailed specific instructions to correct immediately and send proof. XX/XX/year>, I received yet again no change in my personal information, and on page XXXX of XXXX again Experian stated personal information DOES NOT impact your credit score at all. I take this again as a blatant denial of my request.
Consumer complaint received 2024-11-16
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. (CA)

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( XXXX ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 
The disputed item is as follows : Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX, XXXX ] Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

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

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-13
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: Experian Information Solutions Inc. (TX)

I have filed disputes with Experian under Section 609 FCRA with regard to erroneous information being reported on my credit bureau by XXXX XXXX. In fact I am attaching two screen shots showing I opened my SECOND dispute under Section 609 FCRA with Experian on XX/XX/2021 on Sunday evening at roughly XXXX XXXX. and by Monday, XX/XX/2021 at roughly XXXX XXXX. the dispute came back from Experian as verified and accurate. I am also attaching to this complaint against Experian the notice submitted Via Certified Mail Return Receipt Requested DEMANDING Experian REQUIRE the alleged creditor XXXX XXXX to comply with Section 609 FCRA which provides for a creditor to provide specific information including but not limited to authorization to pull my credit report, the time and date I authorized the credit report to be accessed or pulled, copies of contracts or agreements related to the debt, specifically contracts or agreements bearing my name and the creditor XXXX XXXX. I have attached my notice to Experian under Section 609 FCRA to the complaint I am submitting herewith to the CFPB. Based upon the foregoing it would be impossible for Experian to have required XXXX XXXX to comply with Section 609 FCRA since only 10 hours had expired between the time of the filing of the dispute and the response of Experian with regard to the dispute under Section 609 FCRA. I did not receive any of the required items from XXXX XXXX with regard to my dispute under Section 609 FCRA. 

As of the submission of this complaint, Experian has failed to comply with Section 609 FCRA and continues to VIOLATE the FCRA, specifically Section 609 FCRA. XXXX XXXX has reported 3 erroneous reports to my credit file that are not mine, Experian is equally as guilty for failing to make the alleged creditor comply with Section 609 FCRA, furthermore Experian is not complying with Section 609 FCRA by allowing erroneous information to be reported by XXXX XXXX and not requiring XXXX XXXX to comply with Section 609 FCRA. To be clear, I have received nothing from XXXX XXXX or Experian during my 90 days of disputes outside of an entry verifying the information with Experian. These actions violate the FCRA, specifically Section 609 FCRA.
Consumer complaint received 2024-07-24
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)

I reached out to Experian multiple time ( s ) and sent multiple letter ( s ) in reference to removal of inaccuracies on my credit report that does not relate to any transactions I have made. In this complaint I attached a FTC report with these accounts and inquiries listed onto my credit report thats fraudulent reporting and negatively effecting my credit. It is evident that the delay in the resolution of my dispute goes against the consumer protection provisions outlined in the FCRA. This delay not only violates my rights as a consumer but also undermines the integrity and purpose of the dispute resolution process.I do not want any stall letters or automated verified as accurate responses sent to me.If Experian deem anything to be accurate or verified.I demand that Experian promptly conducts a thorough investigation into my dispute and provides me with a written explanation with the method used to verify any information and the description of procedure taken during the investigation. I request all written results within the legally mandated timeframe. Failure to do so will result in a violation of my rights under the FCRA, and I will have no choice but to take appropriate legal action to remedy this matter.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and when I went to set up payment arrangements. They are charging me more than they stated they would charge me.