davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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 have been an XXXX XXXX Credit card member since XX/XX/22. I have a XXXX credit card limit and never missed a payment since now in XXXX as they reported. I have never had an issue with this small obligation monthly compared to my bigger debts. 
The month of XXXX was a very volatile month for me and my family, I had to pay a XXXX debt off, then a XXXX debt off in XXXX. 
Also, My personal accounts were getting excessive charges and fees that I had to investigate and get under control with my banks. My XXXX Credit card autopay must've returned back while processing while I was advised from my banks to freeze card for a periodic time. 
I did not know it would cause me to get a XXXX LATE PAYMENT Inquiry on my report, it was never my intention to not pay a XXXX $ monthly obligation. 
Once i noticed my credit report was affected in XXXX I sent a letter to XXXXXXXX XXXXXXXX Explaining it was an error and to have the inquiry removed or updated to PAID AS AGREED. 

My BANK DID TAKE THE MONTHLY PAYMENT FOR XXXX BUT IT MUST'VE REJECTED WHILE PROCESSING WHILE ADVISED TO FREEZE ACCOUNTS PERIODICALLY. 
THIS ISSUE IS EFFECTING ME AND MY FAMILY CLOSING UNDER CONTRACT AND I AM ASKING TO BE FORGAVE AND TO GET THIS REMOVED ASAP FROM MY CREDIT REPORT OR UPDATED TO PAID AS AGREED PLEASE. 

I HAVE ALSO PAID MORE OF THE BALANCE DOWN TO SHOW GOOD FAITH OF LIFE AND THINGS HAPPEN BUT MY INTENTIONS WEREN'T BAD. I NEED THIS OFF MY REPORT TO FINISH MY VA HOME LOAN PROCESS PLEASE.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am writing to demand the immediate removal of multiple unauthorized accounts from my credit report. As a victim of identity theft and several data breaches, my personal information has been compromised, leading to the appearance of accounts that I did not authorize. 
Experian has consistently failed to comply with federal law and protect my rights as a consumer. Specifically : Lack of Contractual Agreement : Experian has failed to produce any contractual agreement that binds me to the companies reporting these derogatory accounts. This is a violation of basic contract law and my rights under the Fair Credit Reporting Act ( FCRA ). 
Absence of Consent : I have not provided consent for Experian to report accounts related to my NAMED ESTATE. This is a clear violation of my Constitutional right to privacy. 
Failure to Verify : Experian has not provided any proof of verification for these debts, nor demonstrated compliance with all relevant laws and regulations in reporting them. This violates the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ).

Violation of Title 15, U.S. Code : Under Title 15, particularly 1681s-2 ( b ) and 1681i, Experian is required to conduct a reasonable investigation to determine whether the disputed information is inaccurate. Your consistent failure to do so is a blatant violation of federal law. 
FDCPA Violations : The inconsistencies and lack of verification in these accounts constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX regarding false or misleading representations. 
I explicitly state that I am NOT demanding verification or validation, as I am not granting permission to contact any company. Per federal law, specifically 15 U.S.C. 1681i ( a ) ( 1 ), these accounts must be removed within 15 days of receipt of this certified notice, or Experian will be held civilly liable. 
It is against the law to report any information not proven accurate, which is clearly the case here. Experian 's persistent refusal to remove these accounts or provide lawful reasoning for their actions is a willful violation of federal law and my consumer rights.
Consumer complaint received 2024-07-16
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. (MD)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. I would like to bring to your attention that XXXX has already reviewed and removed the inquiries that I initially disputed with them. Therefore, I am requesting immediate action on your part to ensure that these unauthorized inquiries are also deleted from my credit report.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. 

I have several accounts reporting on my credit report, that are a result of identity theft. I request more proof of how such accounts i've never opened, authorized, obtained or used are now resulting in a negative credit report, hence hindering my financial progress as well as applying & financing abilities. It is only fair to abide by the fair credit reporting act and thoroughly do an investigation on all accounts that are a result of identity theft. 

I have mailed dispute letters followed by an FTC report to your company In early XXXX of 2024, of all unauthorized accounts that are a result of identity theft. Bureaus are failing to properly report and investigate this matter.
Consumer complaint received 2024-07-16
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)

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently obtained my personal credit report and theyre items in m personal information profile that should not be reporting. I tried to submit a complaint. But, they stated that I would have to call them to resolve this matter. The major issue Im having is the ability to communicate with someone about my situation. Ive tried several numbers and all calls leads to an automated system. The system gives no prompts to speak with a customer service specialist. I need your assistance in making contact with someone to discuss my dispute. This incorrect information is harming my credit account. Experian has to do better in giving consumers the access to speak to a live representative.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MS)

i sent a letter on XXXX, requesting validation of the alleged debt from this company that i don't owe or never had a contract with and this is what i requested : 1. Original Contract : A copy of the original contract or agreement bearing my wet-ink signature, which is the basis of the alleged debt.

2. Proof of Ownership : Documentation proving your legal ownership of the debt, including the complete chain of custody from the original creditor to the current creditor.

3. Full Accounting Records : Detailed accounting records of my account, both public and private, maintained according to Generally Accepted Accounting Principles ( GAAP ). This should include a comprehensive history of all transactions and charges applied to my account.

4. Affidavit : An affidavit affirming that a contract exists between me and your organization, including the terms of the contract and any other pertinent information.
Consumer complaint received 2024-07-16
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. (FL)

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 Any other adverse item 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 ) ( a ) 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. 

Delete the accounts below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/year>, XXXX completed a fraud investigation and determined that I was not responsible for the reported fraudulent activity. This fraudulent activity was removed from my XXXX XXXX. However, XXXX should have refunded the payments that I made on this fraudulent account to ensure my XXXX XXXX was not affected during their investigation. The total payments I made to XXXX is {$1500.00}. Please see the attached payment history and Barclays XXXX investigation findings.
Consumer complaint received 2024-07-16
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Account # XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear XXXX XXXX XXXX XXXX XXXX am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account # XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXXXXXX  SSN : XXXX Cc : CFPB FTC States Attorney General
Consumer complaint received 2024-07-16
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 reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-16
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)

I am reaching out to you with an urgent matter that requires your immediate attention. I have recently discovered that my personal information has been compromised, and I believe that I am a victim of identity theft. 

Upon conducting further investigation, I have learned that my personal details were used to open an account at your company without my consent or authorization. As this account was created fraudulently using my identity, I am formally requesting that it be closed with immediate effect to prevent any further misuse of my information. 

I understand the seriousness of identity theft and the potential consequences it can have on one 's financial well-being and personal security. Therefore, I urge you to take swift action to close the unauthorized account and provide me with confirmation once this process has been completed. 

I have attached relevant documentation supporting my claim of identity theft for your reference. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the closure of the unauthorized account at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
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. (CA)

There are accounts and information on my credit report that is not accurate.

They are unauthorized and show be removed from my credit report immediately. XXXX XXXX XXXX opened XXXX  2024 balance {$240.00}. This account was opened without my knowledge and should be removed. XXXX XXXX inquiry on XXXX XXXX  2024. This inquiry was done without my consent please remove from my credit report.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of XXXX XXXX has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (MN)

Earlier this year, my mortgage was sold to Selene Finance. I was in the middle of modifying my loan with XXXX. When Selene took over my loan, I was told that they would honor what XXXX was in the middle of working on. This turned out not to be true. In XXXX, I submitted a new mortgage assistance application with Selene. This was application XXXX. In my application, I said my hardship wouldnt end by the end of XXXX or early XXXX. They offered to restart my payments in XXXX and backdated it to XX/XX/XXXX. This wasn't feasible, so they had me submit a second application with a letter stating why I was submitting a second application. I listened and did this too. After the second application was turned in, they stated that it had gotten lost in my file and disregarded because no one opened it and it looked like a duplicate. At this point, I received a foreclosure letter. They told me not to worry about it and to submit a 3rd application. I did so. This whole time, I had been calling weekly and had been told a different story every time as to why my application was not being processed. Here we are today. I called and asked for another update as I can not lose my house and am trying everything to get an assistance application approved and figure out manageable payments moving forward. I was just told my third application was not the correct one and the agent who emailed me this form sent me the wrong one. Because of this I now have a foreclosure date. I was told to hurry up and submit a new FOURTH application in hopes of not being foreclosed on. If my original application was read in full and the details were seen, I would not be in active foreclosure. I do not feel listened to. Most of the agents I talk to at Selene are rude and act extremely annoyed when I ask questions about how to move forward and avoid foreclosure. The only answer I have been receiving is " Just submit another application ''. So, I've been working with XXXX XXXX XXXX since XXXX as well, and they suggested I reach out and file a formal complaint as these things should not be happening.
Consumer complaint received 2024-07-16
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. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-07-16
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-16
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach XXXX XXXX. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.