davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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. (CT)

XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Hi. 
My name is XXXX XXXX. My jointly owned property in XXXX XXXX, Maryland, for which I have Court ordered possession, is scheduled for auction sale on XX/XX/XXXX because my ex-husband, XXXX XXXX, has defaulted on the first mortgage. He also has defaulted on the second mortgage, a HELOC that was with XXXX  XXXX XXXX and was released by them to Specialized Loan Servicing ( SLS ) to collect the debt. 

In XXXX of XXXX, my ex-husband provided third party authorization for me to work with Specialized Loan Servicing on his HELOC. XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX have foreclosed on the property. 

A judge permitted me to attempt to refinance the home and I now have an approval letter to do just that IF the two mortgages can be settled for the amount of my refinance loan - two loans combined into one loan. The HELOC was released by XXXX XXXX XXXXXXXX to SLS in XXXX and my ex-husband, XXXX XXXX, would pay but now he is three months behind. 

SLS keeps asking for a Mortgage Assistance Application to be filled out by my ex-husband, the loan holder for them to consider my settlement offer that I emailed to their XXXX email address on XX/XX/XXXX. XXXX refuses to fill the application out. Time is running out for me. Since the home is foreclosed on and set for an auction sale, SLS does not have the collateral of the home and is likely to not receive funds towards the almost {$65000.00} owed. 

I need a statement from SLS that they agree with my offer so that I can close on my refinance loan. I can never speak with a supervisor in spite of repeated requests for a call back. No one can state whether someone in XXXX has reviewed my settlement for consideration. No one calls me back. No one at SLS cares and everyone gives rote answers. SLS states that I must send a copy of a bank statement showing the funds in a bank account for the amount of the settlement as well. That simply is not possible since they will be paid by the refinance company who will not refinance unless they have statements from the mortgage company that they accept my settlement offer and will release the lien at close of the refinance loan upon receiving payment. 

There absolutely should be an accommodation for these situations of a contentious divorce with non-compliance and lack of cooperation of the loan holder on a jointly owned property.
Consumer complaint received 2024-01-01
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. (WI)

In accordance with the fair credit reporting act these creditors have violated my rights under 15usc1681section 602 States that I have the right to privacy 15usc1681 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written instructions.Under 15usc1666 ( b ) States a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-01-01
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)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-06-07
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)

This is my refilling and requesting for the reinvestigation to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

I recently applied for auto insurance through XXXX. I paid my policy premium amount. Due to vandalism, I took out a claim to have my windshield and rear driver glass repaired. My coverage on the policy I ourchased has a {$0.00} deductible. Yet I received a letter stating that even though I've already paid my 6 month premium, according to XXXX do to XXXX credit I do not qualify for the lowest comprehensive deductible, even though I have already paid for myn6 month premium coverage. 

In addition I have signed opt out documents to opt out of any reporting and they refuse to honor the signed request. They absolutely received the form notice and refuse to. XXXX XXXX has caused many problems in my life due to misuse of a report, or using non verified public information that is fast out wrong. They also known this and refuse to adjust or clear my credit file. 

In addition like XXXX, Equifax refuses to publish accurate or updated information. Again I state that despite numerous attempts to clear, correct adjust, or remove all of the inaccurate public information attached to my consumer reports has made my life less than and my quality of life suffers because of wrong, and erroneously reported information. Question, How do I not generate a score yet have such a delinquent and derogatory credit file, I have NEVER been approved for any credit type never, a credit card or a loan. 
I have less than XXXX in total debt and I'm XXXX XXXX XXXX and I have to many outstanding collections. Mybreports show only three vendors that I owe and one of them is also wrong information.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing this and to follow up regarding the multiple attempts made to rectify the issue of a late open accounts at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX  Balance : {$2500.00}.
Consumer complaint received 2024-06-07
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)

XXXX XXXX XXXX XXXX # XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed Above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-01-01
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. ()

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Consumer complaint received 2024-06-24
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)

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. These are the following accounts need to be removed :
Consumer complaint received 2024-01-01
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. (MI)

Each of the accounts with account/tradelines " XXXX XXXX XXXX and account numbers beginning XXXX report as a XXXX with a " On record until '' date of XX/XX/XXXX. The courts within my Federal Judicial District have published a case that demonstrates how alleged XXXX are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted seven ( 7 ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the accounts herein is XX/XX/XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting seven ( 7 ) years, gives a Date of First Delinquency of XX/XX/XXXX. However, XX/XX/XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the alleged charge-off is false or inaccurate for these accounts.
Consumer complaint received 2024-01-01
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. (MD)

XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to XXXX, XXXX and Experian. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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 personal 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 2024-01-01
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. (CA)

As a Federaly proteceted Consumer I ama now opting out of any and all Authorization ( s ) I the consumer may have give you written/Unwritten and Verbal or Non Verbal, Per 15 USC 6802 .

Under USC 522 ( a ) : The consumer doesnt have to furnish any SSN to any Authority other than an official Government Agency .

Under 17 CFR 424 any company that is under the SEC COMMISION or Contracted with is not allowed to to Solicit and ( or ) Commit Language fraud under this Law.

Under 15 USC 1681 Accuracy and fairness under this law has been violated.

Under IRS Publication 4681 any Charge offs are considered Income.

Income is not allowed to be reported upon a Certificate of In debtness under this provision of the Law.

It is illegal to report any and all Transictions or History under the Privacy act of 1974. 

Failure to comply will result Civil Liability for any and all Corprations in violations of these laws. USC 1681 ( N ).

All future Authorizations have now been Rescinded immediatly.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to bring to your attention that XXXX has already removed the disputed account from my credit report as they were unable to verify the debt. I request that your bureau also remove the same account from my credit report as it is causing me undue stress and anxiety. The questionable account is : XXXX  XXXX XXXX XXXX. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is valid, and I demand that it be removed from my report immediately.
Consumer complaint received 2024-06-05
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: Experian Information Solutions Inc. (FL)

My credit Report is showing 30 days late on XXXX XXXX and XXXX XXXX. I did not pay these late and the late fees were reversed. I had payment scheduled and their was a system issue processing the payment. The money was in account. I have tried to dispute this with credit reporting agency and no solution.