davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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. (NV)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 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 2024-06-25
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. (NV)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2024-06-25
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)

Dispute account : XXXX XXXX The original creditor failed to provide validation which they said they would ( cleaning fee itemized bill and others ). 

This account has been disputed multiple times. 

XXXX XXXX is only coming after 1 person out of 4 with incorrect collection.
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from XXXX of my credit reports. However, it remains on the other XXXX reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response
Consumer complaint received 2024-06-25
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXXXXXX 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 2024-06-25
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. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-25
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. (NY)

Hello i am writing again in regards to a dispute I submitted on XX/XX/XXXX to Experian about an account with Student loan services c. After sending multiple disputes to this company the account information remains inaccurate this is a fdcpa violation and at this point the only resolution will be to delete this account because I have them now dead to rights. I have evidence of the multiple investigations they have done and resolved nothing, one investigation I got the results back in XXXX, looks like they sent it out on XX/XX/XXXX and another in XXXX they sent it on XX/XX/XXXX both saying the information was verified but it is still inaccurate. PAY HISTORY INACCURATE PLEASE SEE ATTACHMENT ACCOUNT NUMBERS INACCURATE PLEASE SEE ATTACHMENT ACCOUNT INFORMATION INACCURATE PLEASE SEE ATTACHMENT. VIOLATION OF 15 USC 1681e ( b ), 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information AND ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors AND ( B ). It seems this account can not be properly verified please delete this account from my report immediately. EXPERIAN ADMITS IN CFPB COMPLAINT XXXX that they investigated twice and sent results and today XX/XX/XXXX the information is still inaccurate. This complaint that I sent over 50 days ago which they just finished investigating after more than 30 days ( By law they have to reply in a timely manner with results within 30 days ) I submitted the complaint XX/XX/XXXX and they are now responding XX/XX/XXXX ) this is out right violation FAILURE TO COMPLY ( 15 USC 1681i ( a ) ( 6 ) ). I'm attaching all the markups of violations sitll on report from Experians mail and also attaching the previous dispute i sent on XX/XX/XXXX
Consumer complaint received 2024-06-25
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. (NC)

I am writing to file a formal complaint against Experian regarding their repeated failure to provide me with the requested documentation and verification of a charge-off on my consumer report. Despite multiple attempts to resolve this issue directly with Experian, I have not received any satisfactory response or the required documentation. 

Account Info : XXXX Acc # : XXXX I initiated multiple dispute with Experian requesting detailed documentation of the verification process for the charge-off listed on my consumer report. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to provide this information within a reasonable timeframe, typically XXXX  days. However, it has been well over XXXX  days, and I have yet to receive any response. 

Additionally, the charge-off in question was previously deleted from my credit report but was later reinserted. Under the FCRA, specifically the reinsertion law, Experian is required to verify the accuracy of any information that is reinserted into a consumer 's credit file and to notify the consumer within XXXX business days of the reinsertion. To date, I have not received any notification or documentation regarding the procedures taken for this reinsertion. I'm requesting proof of documentation and tracking number of letter notifying me. 

I believe Experian 's actions constitute a clear violation of my rights under the FCRA, including but not limited to the following provisions : 15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 

Given Experian 's failure to comply with these legal requirements, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian provides the necessary documentation and verification. Furthermore, I request that any inaccuracies resulting from this unverified charge-off be corrected on my credit report and be removed. 

Please find attached copies of the disputed chargeoff and the result of it being by deleted by Experian. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2024-09-05
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-25
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2024-06-25
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. (NY)

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. 

I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. 

XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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: Open Dealer Exchange, LLC (IL)

I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with XXXX XXXX XXXX XXXX, nor did I provide consent for the use of my personal information in such a manner to anyone or other party on my behalf. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. Furthermore, I dispute the accuracy of your statement that I initiated an application on XX/XX/XXXX, as I have no record or recollection of such an action. I did not conduct any purported verification process or conversations with your agents regarding this application, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent.The attached credit application you have on file for me is not my authorized signature. Additionally, I request that you cease inquiries and any further inquiries or use of my personal information without my explicit consent. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character. Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX, and other applicable laws. From my records, I have not given them permission to do so and there was no legal disclosure of such credit application prior. They are reporting information to the credit bureaus and public records without my authorization. I've mailed them XX/XX/XXXX requesting this information to be returned within XXXX  days and have not received any letter via mail as requested back. Under the FRCA, they are required to do so and have not done so. As a result, I am requesting they remove the information provided to them illegally from their records and to companies as it is unauthorized by law.. Thank you for your attention to this matter.
Consumer complaint received 2024-06-25
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)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX  days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-25
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)

on XX/XX/XXXX, i sent this company a letter about some errors on my credit report but its been over XXXX  days and I still havent received any response from the company I was informed that they may be violating the fcra law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.
Consumer complaint received 2024-06-25
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 invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers credit report.
Consumer complaint received 2024-06-25
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. (TX)

Experian continues to report incorrect information on my consumer report. None of the numbers listed belong to me the employers are not mine and I do not have a spouse. I previously disputed this information and Experian claimed to have verified the information as correct and it is not. This is my final attempt at demanding this incorrect information be deleted from my consumer report.
Consumer complaint received 2024-06-25
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. (TX)

Experian continues to report incorrect information on my consumer report. My name is listed incorrectly and my address. I have previously disputed this same information and Experian did not remove the incorrect information which is why I filed for arbitration against them. This is my final attempt at getting this information deleted. My name is XXXX XXXX my address is XXXX XXXX XXXX  XXXX TX XXXX.
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I am so frustrated and fed up with this company that defaulting on my mortgage would be a XXXX send so that I would n't have to deal with their lackluster customer service and lack of feedback or response to any of my valid complaints. I am delinquent and have tried to see if Nationstar would work with me on a possible loan remodification which I was unsuccessful at. I have made dozens of calls trying to get some assistance but nationstar does not have a customer service line where you can actually speak with a representative. I am disgusted and unfortunately out of options and the only thing I have left to do is file yet another complaint. I have filed NUMEROUS complaints on this company from using this agency, to the BBB, the DOJ and anyone else XXXX search tells me wlll help. All I want is customer service and assistance. I quit my part time job so I can get my XXXX out so I can catch up on my mortgage while I attempt to find new FT and PT employment. My goal is to have this mortgage caught up by next month but I want to know of my options which no one at Nationstar is willing to divulge because they have no customer service department and the person handling my account does not exist. I missed her call today and called back immediately only to get her voice mail. I left one of numerous messages for this XXXX XXXX but have been unable to reach despite my numerous attempts. Please investigate this company for its deceptive practices. I feel this business is a fraud, a cloak and a front to steal people 's homes from under them by not offering them customer service or assistance. I do n't know what else to do except to file yet another complaint. And I will continue to file complaints until Nationstar addresses my concerns regarding their deceptive business practices.
Consumer complaint received 2024-06-25
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information 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 a phone line account opened with XXXX XXXX on XX/XX/year> under the account number XXXX, a credit card account with XXXX XXXX  on XXXX with account XXXX and fraudulent auto loan account opened with XXXX XXXX XXXX XXXX on XXXX under the account XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Here is a list of the hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned 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 these credit accounts, collections, and hard inquiries are the result of identity theft and fraud.