davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (TX)

In XXXX XXXX XXXX I was granted forbearance for a hurricane that hit XXXX XXXX XXXX. At that time when I contacted Freedom mortgage regarding the forbearance plan they told me that in XXXX the underwriters would move my XXXX payments to the end of my original loan. I needed to call back in XXXX to see how to proceed. When I called back in XXXX I was told that my loan was now in Lost mitigation and that I would have to pay {$1800.00} by XX/XX/XXXX to bring my account current. I then asked them what the current status of my account was how could I get this out of lost mitigation and how would this impact my credit as I had noticed they were reporting XXXX days late. The representative on the phone told me all I could do was follow through with the Lost mitigation process so in XXXX I brought the loan current and paid over {$15000.00} to show it current and was clear and asked Freedom mortgage if I brought it current while it was in Lost mitigation would any delinquency be reported. They responded with a letter within their internal messaging system directly to me and said there would be no delinquency reported. I will attach screenshots regarding that as well as XX/XX/XXXX I requested a loan information sheet showing if I was current and if any debt or delinquencies were being reported via Freedom mortgage which I will include as well and they show XXXX. I would like Freedom mortgage to immediately do as they said and remove the delinquencies from my credit within the next XXXX business days so that this can be removed and we can continue on.
Consumer complaint received 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC. (MI)

I received a letter from XXXX XXXX XXXX XXXX ECMC XXXX in XX/XX/XXXX stating my load had been cancelled due to the XXXX XXXX  settlement for predatory loaning practices. Any checks that were issued in XXXX were either not cashed by XXXX or had been sent back to me with in the notification letter. Then my credit was restored in XXXX of XXXX. 
My Reference # XXXX XX/XX/XXXX of XXXX, I started receiving phones calls ( daily now ) from ECMC stating that settlement was Not a cancellation just the loan forgiveness program and payments are now due. ECMC IS requesting an updated letter of cancellation.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC (TX)

" I've received multiple phone calls from Shepherd, all from various numbers. Despite asking them to stop calling, they continue to reach out. Could you please help ensure they no longer contact me? '' I have attached a screenshot of my phone showing various numbers they called me from.
Consumer complaint received 2024-09-15
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)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I used Venmo as a source to receive money and then try to send it to my account. The charged me exaggerated fees and later suspended my account without reason or explanation. They're holding on to my money that doesn't belong to them even after I had sent a copy of my Drivers License as they requested. They're thieves!
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

Hello! I have a collections debt from The Bureaus on my credit report, it has been there since XXXX, I have asked them to validate my debt over the course of a few years to no avail. Ive never heard from them nor even know what the debt is for, I had emailed them as well over 45 days ago to no response. So I would like them to validate the debt they have with original paperwork and whatever I may have signed to prove that this is my debt and my account because I am certain it is not.
Consumer complaint received 2024-09-15
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. (WY)

I am filing a complaint against experian for reporting inaccurate inconsistent fraudulent information as me being a victim of idenity theft/data breach I am attaching a ftc report XXXX XXXX as proof.under 15usc1681 c-2 ( a ) they must block/delete these fraudulent accounts within 4 business days of receiving this complaint.acount # XXXX XXXX  acount # XXXX balance {$26000.00} opened on XX/XX/XXXX acount # XXXX acount # XXXX balance {$1400.00} opened on XXXX acount # XXXX XXXX XXXX # XXXX balance {$170.00} opened on XX/XX/XXXX and acount # XXXX acount # XXXX balance {$63.00} opened on XXXX XXXX please block/delete these accounts within 4 business days pursuant to 15 usc1681 c-2 ( a ) victim of idenity theft/fraud please send me an updated credit report reflecting these accounts removed to XXXX XXXX XXXX st. XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Date : XX/XX/year> Subject : Request for Permanent Deletion of Disputed Information from ChexSystems Report Dear Consumer Relations Team, I am writing in response to your recent communication regarding the reinvestigation of information previously deleted from my consumer report. The initial removal of these items acknowledged their unverifiable status or expiration of the retention period, which supports my position that they should not have been reinserted into my file.

Grounds for Deletion and Compliance with FCRA Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ), consumer reporting agencies must permanently remove unverifiable or obsolete information from a consumer 's report if the source can not fully substantiate its accuracy. Since this information was previously removed due to unverifiability or retention period expiration, its reinsertion is inappropriate without conclusive new documentation verifying its accuracy.
Consumer complaint received 2024-09-15
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 am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2024-09-15
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. (NC)

I am writing to formally request an investigation into the actions of Experian, which has included negative information reported by banks, credit card entities, and third-party debt collection agencies, on my credit file. This occurred without my consent, as I have never signed any application or contract authorizing this agency to report such information. I have constantly requested proof of a signed application or contract, along with a copy of my valid drivers license, but neither Experian nor the reporting agency has provided any evidence to support their claim. This raises significant concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ), specifically related to the permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this derogatory information has negatively impacted my credit score and financial standing, causing undue hardship. Under the FCRA, a permissible purpose is required for any entity to access or report credit information, and I have not given any such authorization to Experian. I respectfully request that the CFPB investigate this matter, ensure that Experian is held accountable for their failure to comply with FCRA regulations, and take the necessary actions to have the inaccurate and unauthorized information removed from my credit report immediately.
Consumer complaint received 2024-09-15
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)

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

15 U.S.C 1681 Section 602 A.states I have a right to privacy.

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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

-- I know for a fact that XXXX does not report a bankruptcy on my report. They removed it in 2020 because they could not verify it. ( see attached letter ) -- Experian clearly states ( see attached screenshot from their website legal section ) that they get this " public '' information from XXXX. They also told me they verified the information with XXXX when I disputed it many times, when they clearly absolutely did not. -- I requested XXXX furnish notification of the deletion to all XXXX  credit bureaus after receiving their letter. In addition, I sent this proof to Experian directly, with the letter from XXXX, instructing them to remove it. I requested, and then demanded for a total of XXXX certified letters, that they remove the bankruptcy from my report. ( see attached ) -- They are legally required to remove any information that they can not verify.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This is not a duplicate request nor filed as by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX Account NumberXXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX Account Number:XXXX XXXXXXXX Account NumberXXXX XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX Account Number:XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Account Number XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX  Account Number : These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, and or hard inquires as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-15
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. (OR)

I recently reviewed my credit report and discovered fraudulent accounts that have been incorrectly attributed to my name. These inaccuracies are negatively impacting my credit history and my ability to obtain credit. 

I would greatly appreciate your assistance in removing these fraudulent accounts, and I trust that you will take the necessary steps to resolve this matter as soon as possible. 

Thank you in advance for your prompt attention and resolution.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Complaint Against : XXXX Experian XXXX Subject : Incorrect reporting of names and addresses on my credit report, and XXXX not reporting any information at all.

Details of the Complaint : I am writing to formally file a complaint against the credit reporting agencies XXXX, Experian, and XXXX for providing incorrect and incomplete information on my credit report. 

1. Incorrect Names and Addresses : Both XXXX and Experian are reporting incorrect names and addresses on my credit report. These inaccuracies are causing confusion, which may negatively impact my credit score and financial opportunities.

2. XXXX Failure to Report : XXXX is not reporting any of my credit information. This failure to report is causing significant damage to my credit profile, as it appears incomplete or non-existent. The lack of information from XXXX is hindering my ability to apply for credit, secure loans, and pursue financial goals.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

EXPERIAN Notice and Dispute Report Number : XXXX The accuracy and completeness of the following account is hereby disputed : 1. XXXX XXXX XXXX : Account XXXX. Pages 34 & 35 The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE sections are completely missing all information. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

2. XXXX XXXX XXXX : Account XXXX. Pages 8 & 9 The DATE OPENED, TERMS and BALANCE is inaccurate. The RECENT PAYMENT, MONTHLY PAYMENT and HIGHEST BALANCE information is completely missing. The Payment History is missing information from XX/XX/year> through XX/XX/year>. If the account was opened in XX/XX/year> this information should be reported. This is inaccurate and incomplete. Please fix these issues or delete the account from my consumer report. 

Please provide an updated copy of my consumer report to the above referenced address upon completion of the investigation. Relevant credit report pages are attached. Im sending all necessary documents to prove my identity and address. Please dont send me letters saying that you dont know who I am. 

ATTACHMENTS : Drivers License W-2 Utility Bill Credit report pages 8, 9, 34 & 35
Consumer complaint received 2024-09-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcrametro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I made a phone call on XX/XX/year> and XX/XX/XXXX to their fraud department asking to remove incorrect information. 
letter XXXX to Experian was sent on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX to verify or remove accounts and incorrect addresses. They claimed XXXX is reporting an address but that account was closed and hasn't reported to my report for almost XXXX years. 

I am requesting your assistance with this serious issue concerning Experians failure to comply with federal regulations regarding the accuracy and verification of information on my credit report. I have discovered several charge-offs and transactions on my credit report that I believe are inaccurate and have not been properly verified by Experian. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and verify disputed information. Experian has not provided the necessary verification documents for these charge-offs within the legally mandated timeframe. 
Additionally, 15 U.S.C. 1681a ( a ) ( 2 ) states that any report should contain information solely related to transactions and experiences between the consumer and the person making the report. This implies that charge-offs reported by Experian must be based on verified and documented transactions. However, Experians failure to provide such documentation suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) outlines that a consumer reporting agency may furnish a consumer report only under certain permissible purposes, and only with written authorization from the consumer. I have not authorized any creditor to add negative, inaccurate, or harmful information to my consumer report.

Moreover, the provisions of 15 U.S.C. 6802 require financial institutions to disclose the potential for sharing personal information and provide an opt-out option. Experians lack of compliance with these requirements further undermines the integrity of the reported information.

The charge-offs in question appear to be in direct violation of these legal requirements. As such, I am entitled to seek damages for this willful non-compliance, as stipulated under 15 U.S.C. 1681n, which allows for a claim of {$1000.00} in damages for each instance of non-compliance. 
I request the CFPBs intervention to ensure that Experian adheres to these legal standards by removing the inaccurately reported charge-offs from my credit report immediately. Enclosed are copies of my correspondence with Experian and relevant documentation pertaining to my disputes. 
Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and restoring the accuracy of my credit report.
Consumer complaint received 2024-09-15
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. (TN)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.