davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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. (NY)

I reviewed my consumer reports and notice that I had two late payments on an account that i was never late for. the consumer report agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in XX/XX/24 and XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :
Consumer complaint received 2024-06-11
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. (SC)

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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have a XXXX XXXX  car loan from 2016 on my account, I have completely rebuilt my credit and this is the only negative information on my history. Now since I asked them to remove the report after XXXX years, they not only kept the report on, but the updated it to show In XX/XX/XXXX!!! 
XXXX XXXX XXXX.
Consumer complaint received 2023-11-21
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 have been disputing fraud ACCOUNTS on my credit report. The ACCOUNTS are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent ACCOUNTS affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the ACCOUNTS claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the ACCOUNTS immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am disputing derogatory information that Experian is reporting for an account on my credit report. The account is with XXXX XXXX XXXX XXXX which they are reporting 120 days late. I was never late 120 days. In XXXX, my payments were deferred due to covid. There should be no late payments reporting due to the CARES ACT. Also, how is that XXXX isn't reporting the supposed late payments? All data furnished should be accurate and cohesive so there should be no inconsistencies between the bureaus unless there is inaccurate reporting. Also, how are you reporting that I am 120 days late, when there is only 1 late payment reporting? I am demanding that the late payment for XX/XX/2020 is removed from my credit profile immediately. There was never an investigation done because my account was never updated stating that it was in dispute, and if an investigation was done, they would have realized that the payments were deferred hence why XXXX is not reporting lates.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXXXXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-06
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. (TX)

XXXX has an inquiry XX/XX/2024 that is no affiliation to me. I have asked for it to be removed from my report bc I have been in a security breach. 
Thank You
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

I personally invested {$29000.00} with " XXXX XXXX '' beginning in XX/XX/XXXX. I've been asking for receipts to file with my CPA as well as a XXXX. XXXX has not produced either form as of XX/XX/XXXX. Since that time, I have been in touch with about 20 other investors that have been defrauded by XXXX XXXX. I invested into a short term rental agreemtent with Your XXXX XXXX  ( agreement attached ) for the purpose of XXXX managing a XXXX unit for me. The unit has failed to produce a profit/ the profit has not been shared with me and XXXX XXXX has stopped communicating with me. I do not believe he has reported the income to the IRS collected from me or the other investors. Other addresses I have on file for him and XXXX XXXX XXXX  are available upon request.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Every time I attempt to get my credit report it says it can not verify my identity I have mailed documents and also uploaded prof of my identity on Experian.com and still I am able to get my report
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX I ordered a credit report on Experian. I was told it was free but they charged me XXXX which I didn't expect. There is not a method to contact the vendor in order to dispute the charge or to cancel the service. I tried several different phone numbers : none of them worked and the ones that seemed to want to help asked for my XXXX XXXX XXXX in an automated situation which seems dubious. I tried the following phone numbers : XXXX ; XXXX ; XXXX XXXX XXXX. 

I am going to disputed the charge with my credit card company & I filed a complaint with WA XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have been working to modify the loan on my primary residence since XXXX. We sent all paperwork to both NationStar and their counsel. I never received any documentation from them until we requested a reason on why they denied the loan modification. The attorney sent over XXXX letters in which they claim were sent out with missing documents. These were never received. On XXXX XXXX I faxed over another application to NationStar in hopes of modifying my loan. On XXXX XXXX i emailed my attorney to see if he had heard a response. He had not. I check my mail daily and never received a letter from NationStar acknowledging my paperwork or asking for more documentation. On XXXX XXXX as well I called NationStar to find out what the status of the application was. I was told they were in receipt of the modification and that there were two documents they were missing. I was never given a date to have them returned and still had not received any correspondence in the mail to my property or attorney. On XXXX XXXX they sent a letter out denying my loan modification because they did n't receive the documents they requested. I have not received anything with a description of what they needed. This is the second time in which NationStar has not acknowledged my application or communicated with what they needed. In a letter dated XXXX XXXX i received a notice of sale date.
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-24
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: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have contacted the credit bureaus numerous of times to remove unknown personal information from my credit report. My name should read as the following on my credit report : XXXX XXXX XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My mailing address is XXXX XXXX XXXX XXXX, # XXXX, XXXX AZ XXXX My phone number should be ( XXXX ) XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- this is a shopping mall My phone number has never been ( XXXX ) XXXX and I would like this number to be removed from my credit report. 
The number ( XXXX ) XXXX should also be removed from my credit report I no longer reside at XXXX XXXX XXXX XXXX, XXXX AZ XXXX and this address should be removed. 
There are inquiries on my credit report that are fraudulent and I requested the company to remove them and they're still there.
Consumer complaint received 2024-08-06
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. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/year>
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC (HI)

Have not received any communication, release of judgment, removal of debt from XXXX XXXX XXXX, and removal of debt from my personal credit reports etc. 

Invoice of total owed received on XX/XX/2023. Check in the full amount of {$4900.00} was mailed out on XX/XX/2023. According to records check cleared in early XXXX. 

Again! have not received any any communication, release of judgment, removal of debt from XXXX XXXX XXXX, and removal of debt from my personal credit reports etc.
Consumer complaint received 2024-06-07
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. (GA)

Over 90 days ago I sent letters to XXXX, XXXX, Experian asking for proof of verification for the accounts that have incorrect reporting and balances. No documents have been sent to me and the information remains verified. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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)

My accounts 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-12
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX no account, Account name XXXX XXXX #, Account name XXXX # XXXX, Account name : Open sky # XXXX, has violated my rights. 
I looked at my credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-11
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. (NM)

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 15 USC 1681.

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 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-08-06
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)

On credit report stating XXXX XXXX someone took a loan out on my name of {$710.00}. I noticed this on my credit report reached out to self lender left voicemails requesting a call back to validate this account. 

I tried multiple numbers to contact this lender and filed police report I called and spoke with XXXX from XXXX XXXX  and she asked for social I declined and she was not able to identify me by name.
Consumer complaint received 2024-06-11
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 pulled my credit reports and seen some information I can not verify so Im requesting you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts. 

XXXX : XXXX XXXX XXXX. 
Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Balance unverifiable REQUESTED ACTION : I can not verify the balance on this account. Plese send me verification. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX XXXX XXXX DISPUTE REASON : Payment History is not reflecting proper Closed ( CLS ) status in the month the account was closed. 
REQUESTED ACTION : Please update to reflect proper CLS status in the correct month the account was closed. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Collection account being furnished by XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this collection or collection agency. They did not validate the debt prior to putting this on my credit report. 
REQUESTED ACTION : please provide me with proof of delivery or remove from my credit report for violation of section 809 of the FDCPA. 

Furnisher : Dept EDXXXX ( {$4100.00} ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA. 

Furnisher : Dept EDXXXX ( XXXX ) Account number : XXXX DISPUTE ITEM : Collection account being furnished. 
DISPUTE REASON : I can not verify the validity of this collection account being furnished, I believe this is inaccurate REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA.