davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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)

XXXX never sent me balances and charges! XXXX sent a text of deficiency balance {$2900.00} No breakdown of charges now their reporting larger amount on my credit of {$3300.00} but its been charge off for years and they still adding more money on bill! This is illegal to add interest on a charge off unless your sending me statement of said charges! On my credit they are reporting over {$6000.00} on a car I bought for {$8000.00} and I paid XXXX down they are being ridiculous! Also they sold the car in XX/XX/year> but reporting on my credit wrong dates it says last payment received XX/XX/year> this is inaccurate last payment was XXXX! Fix the dates and the amount {$2900.00} was amount not over {$6000.00}! U cant add interest on a charge off and u refuse to send me breakdown of charges
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: Experian Information Solutions Inc. (CT)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-22
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)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2019-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

The Mortgage company caused me financial hardship then they block me from protecting my investment by blocking me from making payment and refusing payment while I was with in my grace. the extended lock out allowed a negative escrow to grow then they started modification process but since I had one last year they are unwilling to correct the error they caused, I pray I am not going to loose my home as a result of the mortgage companies inadequacies. I would appreciate any assistance we intend to stay in our home. but feel they should modify this error they caused so we can continue to pay the agreed amount granted to us in XX/XX/2019 after they had botch the modification we were granted last fall they had to go back in because they left out the our impounds account from that past modification in error, it took them a while to correct that they got it al corrected then this issue happened. they keep coming up with different past reasons for why they wont current they payment issue, if they would have collected the payments then it would not be a large amount owing now, since they obstructed my rights, by not taking the payments I am writing this complaint. that is predatory and an attempt to rob us of our equity in the home which is over 150K we owed XXXX before the botched modification last fall that _ where they left out the impound accounts- they corrected in the summer. we now owe XXXX but instead of paying the agreed payment XXXX XXXX XX/XX/19 they changes it to XXXX fall XXXX then supposedly after they fix they escrow issue we paid this even though it above the workout agreement. next I sign up for auto pay at my credit union and sent two payments by mistake. I called then told them to only cash one. they ran them both. then after that they refused all payments. I was not even late I was with in my 30 day cycle. it became late because they were asking for like a triple payment in a lump sum or nothing., then they refused payment- so they caused this issue by refusing the payments, then not taking ownerdhip of the error then blaming me as if I didn't have funds to cover the payment. I sent them proof I had funds, sent them proof of there error. they have so many different people calling and handling the account it is a total mess. the dedicated point of contact does not answer incoming calls. and is for all intents and purposes unreachable as far I I am concerned, please see my attached correspondence and documentation to validate my claims.
Consumer complaint received 2024-08-22
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-08-22
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. (TX)

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.
Consumer complaint received 2019-12-27
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: FIRST REPUBLIC BANK (NJ)

I was notified another lender that these are not categorized as 'educational ' and thus highly penalized, such that they would not extend credit based upon them being classifying as general unsecured installment loans. All advertising states that these are student loan refinances and states '1 The terms of this loan may differ from terms of your current loan ( s ). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. ' I asked that the 3 loans be correctly  categorized as 'educational ' / 'Student Loans ' as opposed to 'OTHER LOANS '.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the neccesary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the inaccurate accounts immediately. please remove the following fraudulent accounts : XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX account # XXXX date opened XXXX XXXX, XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXX XXXXXXXX XXXX  account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX account XXXX XXXX date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-15
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-08-22
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXAccount Name XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-08-22
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. (TN)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have yet to receive any resolution or corrective action. These errors are causing significant damage to my credit file and seriously affecting my ability to live a normal life. 

The impact of these inaccuracies has put me in a difficult position, and I urgently need your assistance in resolving this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I can regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2024-08-22
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)

Expired breach credit file by conspiring with other corporations to breach the truth in lending agreement and permit damage to the consumer report issued by investors authority of agreement. Such findings are a violation under 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

As experian permjtted and willfully neglected executing care in its duties of care. 

Under the assignment of a trust agreement of warranted property. 

Please issue an audit on the several inquirys they refuse to remove claiming it does not harm my profile. 

Which is an act of neglecting the consumers report to remove negative findings in the detriment of the consumer under truth in lending disclosures and 18 usc 6 obligations of the U.S
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-26
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ( Closed with balance of {$740.00} ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-07-15
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. (DE)

I was reviewing my credit profile this morning and noticed a late payment for XXXX XXXX XXXX account XXXX. I recently disputed this late payment about a month ago and the error was corrected and showed no late payments as on XX/XX/2024. Now this morning the late payment reappeared on my credit profile without notice a week later. No documentation was ever provided showing proof that I was late for this account during any of my disputes. This is really frustrating me.
Consumer complaint received 2024-08-22
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. (CA)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$530.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-15
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. (TX)

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  and they are not reporting it to the credit agencies XXXX, XXXX, and Experian and they are still reporting information that they don't have my consent to. I have also sent letters to XXXX, XXXX, and Experian letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX  Balance : {$3600.00}
Consumer complaint received 2024-07-15
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. (FL)

to whom it may concern I requested my signed signature showing I purchased the vehicle and I asked for verification and validation of the debt, also a certified receipt from certified mail saying there was a debt owed. I never received anything and it is in direct violation of the fcra rules and regulations XXXX XXXX. therefore it should be removed immediately from my credit profile
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently discovered that I am a victim of identity theft. XXXX  XXXX is reporting an account to my credit report that is a result of identity theft. The information being reported is destroying my credit reputation and causing me harm. I am seeking a remedy for that the account information to be permanently deleted from my credit report and file. I have already filed an identity theft report regarding the matter. All supporting documentation is attached to this complaint.
Consumer complaint received 2024-07-15
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)

The XXXX company is not reporting its report correctly since I have paid the total debt that I had with them and I have written to them out of good will to please update the balance from XXXX to XXXX and a long time has passed, every month on the same day XXXX They report to the credit bureaus and this month they did not do so which is affecting my credit report. Please immediately ask this company for the current balance of the account which is reported incorrectly. 


account name : XXXX account number : XXXX
Consumer complaint received 2024-07-15
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. (OK)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-07-15
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. (OK)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :