davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

This is a second complaint in reference to the same issue. The original complaint number is XXXX. My complaint is with regard to my FHA XXXX Mortgage which is serviced by Nationstar Mortgage. In XX/XX/XXXX I received an unsolicited call from Nationstar to offer me refinancing options. In the course of my conversation with their representative, they determined I may no longer need to be paying mortgage insurance, and a request was submitted on my behalf to have it terminated. The request was successful and I am no longer paying the insurance. However, it is clear that I was needlessly paying the insurance for a period of at least XXXX months prior to its termination without my knowledge. The response to my initial complaint only correctly restated the date of when my insurance was terminated, but failed to address my concern about the previous months of unnecessary insurance payments. 

Since receiving their response I have had more conversations directly with Nationstar and also more accurately pin-pointed that time at which I was eligible to terminate mortgage insurance. My understanding ( which was not disputed by Nationstar ) is that given that my loan has been open and in good standing for at least XXXX years, I would be eligible to terminate insurance when I reached a XXXX % loan to value ratio. 

I have obtained statements now which show I reached that value in XX/XX/XXXX. My insurance was finally terminated in XX/XX/XXXX, but only after I serendipitously recieved an unsolicited phone call which led to the discovery that I was eligible. After more conversations with Nationstar, they acknowledged that all of this is true, but that the onus is on the lendee to request termination prior to the date it was originally anticipated. As I make significant extra payments to my principal, I am well ahead of the payment schedule which was projected at the time my loan was originated. 

If it is true that the onus is on me to know when I no longer need to be paying mortgage insurance, then this is an issue which desperately needs to be addressed in the law. It is completely unreasonable to expect consumers to remember years if not decades after a loan was originated, the exact terms and conditions of mortgage insurance, and be montitoring their loan to value ratio on a monthly basis. If I had not received that unsolicited phone call, I would undoubtedly be paying mortgage insurance unneccarily for years to come. 

My home value at the time of purchase was {$160000.00}. So by my math I should have been eligible to terminate mortgage insurance once my balance was below {$130000.00}. The balance on my state from XX/XX/XXXX was {$130000.00}, and in XX/XX/XXXX it was {$120000.00}. I will attach those statements as evidence.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

My divorce was just recently final and I was in a very toxic, XXXX  marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Consumer complaint received 2024-07-11
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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
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. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
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)

Every month I have to self report my account information as inaccurate, it is not automatically reported in 30 days or 45 days by XXXX. No one should have to self report their student loan balances as incorrect or uploading the account data, which is provided by XXXX.
Consumer complaint received 2024-06-07
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 have disputed the account XXXX XXXX  on all three credit reporting agencies for it to be removed. This account belongs to my childs father whom I have no dealings with. I have asked for it to be removed previous times and even sent documentation in to show his name is on the lease for this vehicle. The bureaus have CLOSED the account ( which it has been paid with a settlement offer ) instead of removing the account off my reports.
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. (DE)

I am writing to formally request the immediate removal of certain accounts from my credit report due to Experian 's failure to provide verification documents within the legally required timeframe. I initiated a dispute with Experian regarding the accuracy of the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act ( FCRA ), Experian is required to provide verification documents within 30 days of receiving a dispute. I have not received a response from Experian, they failed to provide the necessary verification documents for the disputed accounts within the stipulated XXXXday period following my request for such documentation. This failure is in direct violation of FCRA guidelines and has caused significant distress and potential financial harm. 

I am requesting the CFPB to take immediate action to enforce the FCRA regulations and ensure the removal of these unverified accounts from my credit report. The continued presence of these unverified accounts is unjustly impacting my creditworthiness and is an undue burden on my financial wellbeing. 

Please find attached the following supporting documents for your reference : Copy of my initial dispute letter to Experian.

Correspondence received from Experian regarding the dispute.

Proof of my request for verification documents and Experian 's failure to provide them within the required timeframe.

In accordance with the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a thorough and timely investigation of disputed information and provide verification documents to support the validity of the accounts in question. Despite my compliance with the dispute process and providing all necessary documentation, Experian has failed to fulfill its obligations in the following ways : Lack of Proper Investigation : Experian has not conducted a reasonable investigation into my disputes. The responses I received were generic and did not address the specific issues I raised, nor did they include any verification documents to substantiate the disputed accounts. 

Failure to Provide Verification Documents : I explicitly requested verification documents for the disputed accounts, but Experian has not provided these within the legally required timeframe Ongoing Reporting of Inaccurate Information : Due to Experian 's failure to properly investigate, the inaccurate information remains on my credit report, causing significant damage to my creditworthiness and financial reputation. 

I trust that the CFPB will handle this matter with the urgency and seriousness it deserves and facilitate the removal of these unverified accounts from my credit report at the earliest opportunity. 

Thank you for your prompt attention to this critical issue. I look forward to your swift response and resolution.
Consumer complaint received 2024-06-11
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-11
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

inquiries not mine not authorized
Consumer complaint received 2024-07-02
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. (NC)

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 Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$0.00}
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: EQUIFAX, INC. (TX)

I Found a number of Personal information mistakes on my credit report, and I contacted EQUIFAX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-07-02
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

On XX/XX/year>, I used XXXX to start applying for places to live, along with my partner. As part of this process, I paid XXXX {$35.00} for background and credit checks. 
On XX/XX/year>, we were notified by a potential landlord of a problem with our application. The landlord mistakenly thought that I'd applied for XXXX XXXX XXXX XXXX XXXX XXXX  which I've never done. Upon further inquiry, it was revealed that the landlord was relying upon the credit check data provided by XXXX. 
On XX/XX/year>, I conversed with a XXXX customer service representative to do two things : 1 ) demand a reinvestigation into how the incorrect data got onto my consumer report and 2 ) get the incorrect data removed from that report. I was informed that XXXX uses two other companies, Experian for credit-related information, and XXXX  for public records-related information. XXXX refused to conduct a reinvestigation, claiming it was only the platform and therefore not responsible for the inaccuracies. However, a month prior, I'd pulled credit reports from all three nationwide CRAs, including Experian. My Experian report has not and never has had anything related to bankruptcy. 
On XX/XX/year>, I sent a dispute letter to XXXX, demanding a reinvestigation and deletion of the improperly noted accounts ( i.e., the accounts with a notation indicating bankruptcy ). I have not heard back yet from XXXX.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my six endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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. (AL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I pulled my report and I have seen numerous inquires that I didn't authorize.. Tried calling the company and they have no record of it. I called credit bureaus and they failed to help me by keep stating the company can only remove them.
Consumer complaint received 2024-06-07
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. (MD)

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. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 supposed 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. (MI)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.