davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
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. (NM)

On XX/XX/XXXX, I submitted a complaint to the CFPB because Experian has refused to remove inaccurate information from my credit report. I have provided the official FTC report to Experian on numerous occasions over the course of 2 years asking them to remove the inaccurate information that has shown up on my credit report as a result of identity theft. I provided them XXXX copies of identification as proof of my true and accurate address. They responded to that complaint stating that they refused to remove the inaccurate information. 

This will be my final attempt to have Experian mitigate this issue before moving to litigation in the court of law, as it is a clear and direct violation of several consumer laws. The Fair Credit Reporting Act laws clearly state : 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In addition to not removing the inaccurate information, they also violated the FCRA policies regarding indicating that I have disputed such information on my credit report. They have never indicated on my credit report that I have disputed the address. This is a clear violation of the following FCRA laws : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 62XXXX ( a ) ( XXXX ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
Consumer complaint received 2023-11-07
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. (IL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

Hi my name is XXXX and I 'm writing in cause i was lied to about my opinions to save my home through the government program called harp i told that the program had ended and disputed that cause i had received lots of information from harp telling that i qualified and do n't let my morage company tell me that i do n't i told my rep at nationstar only to be told that is program had stoped and no longer exist which was totally not true i told him that i wanted to save my home and that did n't believe what he was telling me but i when out looking for someone to give me a second cause my home was given to me by my mom and it was paid off which i sent him the proof in an email and i only borrowed XXXX which my ex wife stole from me I 'm really trying to take care of this my one opition is to go into my XXXX and another fund at my job or harp or file bankruptcy but i do n't want to lose my home and i want to be told the truth about the programs
Consumer complaint received 2024-07-07
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Dear XXXX, I am writing to formally dispute a charge off listed on my credit report, account number XXXX, which inaccurately reflects an unpaid debt. The erroneous nature of this entry stems from the fact that I never received a Form 1099-C related to this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Pursuant to this right, I request a thorough investigation into the validity of the charge off in question. 

The debt in question allegedly arose from [ Brief Description of Debt, e.g., a credit card, loan, etc. ], with the creditor being industrial acceptance. Despite diligent efforts to maintain communication regarding my financial obligations, I did not receive any correspondence or notifications regarding the issuance of a Form 1099-C from the creditor or any affiliated entities. 

It is imperative to highlight that the non-receipt of the Form 1099-C hindered my ability to appropriately address any tax implications associated with the discharged debt. Furthermore, it is crucial to emphasize that the absence of this crucial documentation casts doubt on the accuracy and legality of the charge off reported on my credit profile. 

In light of the above, I kindly request the following actions : Verification of the accuracy of the charge off and the associated debt. 
Confirmation of whether a Form 1099-C was issued for the debt in question. 
Removal of the charge off from my credit report if it is found to be inaccurate or incomplete. 

I understand that you have XXXX days to investigate this matter, as per the FCRA. Therefore, I anticipate a prompt response within this timeframe. 

Please find enclosed copies of relevant documentation supporting my claim, including proof of my attempts to communicate with the creditor regarding this matter. 

Thank you for your attention to this matter. I look forward to the resolution of this dispute and the accurate representation of my credit profile. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

I looked at my XXXX 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 generallf, 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 2024-07-07
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. (SC)

Complain against Clarity Services Inc and I request to opt out from Clarity Services Inc. they are making it difficult even after providing name, address and social security number as all other forms i submitted to other companies they should simplify the process and remove my information Additionally, XXXX XXXX XXXX XXXX XXXX XXXX should provide an online application option to avoid making it more difficult and costly for us. Please cease all my information form any secondary credit bureau for my husband and i to prevent solicitation and identity theft this is my privacy right and i should not jump thorough hoops to request something we didnt consent to. 
Thank you
Consumer complaint received 2024-07-07
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. (SC)

On XX/XX/year> I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SD)

I have a Victoria Secret credit card. I do not use it often ; however I used it in XXXX and paid it in full in XXXX. I made my payment online on the due date and I guess the payment posted on Eastern Time and therefore they considered it late and charged me a late fee. I called and talked to a rep either late XXXX or XXXX and she said she would take care of it ; however she never did and now I got another late fee. I called and spoke with a cust. service rep on XX/XX/19 and spoke to a supervisor who both would only waive one because " that's our policy ''. I explained that they really need to 'listen ' to my situation and not base every single customer situation on an in-house policy. If the rep would have taken care of the first one, I wouldn't have had the 2nd one! Anyways, I have asked to speak to upper management with Comentiy Bank and am told there isn't anybody else I can talk to. This is bogus and I would like it reversed. Based on all of the other stories I see on the XXXX, sounds like it's certainly their way of business. Very shady and crooked!
Consumer complaint received 2024-07-07
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. (NY)

I am trying to buy a home i notice some Negative report on my credit i contacted XXXX XXXX twice in regards to the same per 15USC 1681 i requested they furnish me with their means of investigation as the information is inaccurate, incomplete and unethical which they refuses to do. This report is misleading, Amiss, and awry and is doing a humongous damage to my character.Your intervention in this matter is highly appreciated. Thank you
Consumer complaint received 2024-07-07
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. (CA)

I attempted a Experian dispute on a long since payed collection for the amount and wording to be corrected. The amount should be XXXX and wording should not state i have a collection with this creditor and that should not show as a new major derogatory or a new collection which was how it was reported on XXXX. The company in question is affirm and on their very own website and and app it shows that it was clearly paid in full in the amount of XXXX in XX/XX/XXXX but Experian will not update this and it remains on my report hurting my score severely. Im trying to save my familes business that is failing and we've been in business since XXXX and it would devastate 10 families if i cant get correct reporting on my report in its entirety so that i may seek financial opportunities to save our auto repair shop
Consumer complaint received 2024-07-07
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. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 dateXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information w as 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! Delete the late payments from my consumer reports. 
In addition to this, there are also multiple late payments from other accounts reporting as well that should be removed immediately. 
XXXXXXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX
Consumer complaint received 2024-07-07
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. (IL)

I was never late on my account XXXX XXXX  it say I was late in the month of XX/XX/XXXX and XXXX of XXXX Account xxxx {$1000.00} Open XX/XX/XXXX Past due XXXX XXXX I was never late
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

I found out through experian today that XXXX closed my XXXX XXXX XXXX XXXX ending XXXX with a credit limit of XXXX to my XXXX XXXX XXXX  ending XXXX that had a credit limit of XXXX that is now XXXX. 
Either way, I lost XXXX in credit that affected my credit score and also for the length of time I had it. 
All done without my knowledge.
Consumer complaint received 2024-07-07
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-07-07
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 have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-07
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)

this is my 2nd attempt sending letters XXXX, to the CRA 's XXXX, XXXX, AND EXPERIAN about reporting inaccurate information on my credit report.i have informed them of the inaccurate information, per 15 usc 1681s-2b and they have not deleted it which is a violation of the FCRA. I am requesting that they delete the information from my credit report.
Consumer complaint received 2024-07-07
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. (PA)

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. This must be removed from my report.
Consumer complaint received 2024-07-07
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. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to.
Consumer complaint received 2024-07-07
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-07
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-07
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. (AZ)

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported. 

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Consumer complaint received 2024-07-07
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. (TX)

My financial information has been compromised. My wallet was lost in 2016. I have received letters, & inquiries on accounts that are not mine. Even when im on vacation inquires come through. I need all credit bureaus to validate all accounts present on my report. I would like for each bureau to remove erroneous addresses and items that have past the statues of limitations.