davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
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: Experian Information Solutions Inc. (TN)

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of successful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. According to the 15 U.S.C 1681 XXXX there should be no damages on my report, considered that as a defamation to my character. As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. I would also like to request a copy of my updated credit report after the information has been removed or blocked. I understand that you have XXXX days to do this according to XXXX, and I kindly request that you provide a written response outlining your findings and actions taken. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.
Consumer complaint received 2024-06-02
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1100.00} XX/XX/year> INQUIRIES NOT RECOGNIZED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-02
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 XXXX. 

XXXX. 

XXXX. 

XXXX. 

XXXX 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 2024-06-02
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. (AL)

15 U.S Code $ 1681c-2 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, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY XXXX REPORT TO XXXX XXXX TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2024-06-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Lendsmart, Inc. (CA)

LendSmart illegally repossessed my vehicle because i inquired about there right to collect a car payment for a vehicle i got from XXXX XXXX XXXX through in house financing. They provided no reason to why they stole my vehicle and they provided my private information to a tow company that has no affiliation with LendSmart other then the fact that they were hired that day to steal my car. There have been 2 other CFPB complaints made and XXXX still hasn't provided proof of a loan that they gave me or an assignment of contract. I was not late at the time the car was stolen from me and being that i am a XXXX XXXX XXXX XXXX  XXXX veteran, this caused major issues with me getting to appointments I had to receive treatment. They had no legal rights to taking my property. My vehicle was taken XX/XX/XXXX and i provide proof that in XXXX of XXXX I made a payment of XXXX and had no late payments or late fees pending. They continue to harass me by report negatively to my credit any the picture of my report shows proof that my property was taken XXXX while the statement i provide shows proof that i was not late
Consumer complaint received 2024-06-01
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to report several inaccuracies on my credit report from EXPERIAN.COM -Report # XXXX FOR XXXX XXXX and request assistance in correcting them. The issues are as follows : 1.Incorrect Address : My credit report lists an incorrect address, [ XXXX XXXX XXXX XXXX XXXX XXXX, TN,XXXX ]. This address does not belong to me. I only use a mailing address, which is [ XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ]. I do not have a residential address in the XXXX. 

XXXX. Additional Address : There is an additional address, [ XXXX XXXX XXXX XXXX XXXX XXXX, TN,XXXX ], on my credit report that I have never used or lived at. 

XXXX. Incorrect Social Security Number ( SSN ) : My credit report incorrectly shows that I have an SSN. I do not have an SSN ; I only have an Individual Taxpayer Identification Number ( XXXX ). This misreporting is a significant error. 

These errors have caused confusion and potential issues with my credit history. I have made several attempts to resolve these inaccuracies : Thank you for your attention to this matter.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (NJ)

I just got my credit report on XX/XX/year> and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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. 

They must be XXXX because everything is inconsistent
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX **SS # : XXXX *Date of Birth : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : ACCOUNTs XXXX ( CLOSED ) # XXXX XXXX {$5100.00} XXXX ( CLOSED ) # XXXX XXXX {$9100.00} XXXX ( CLOSED ) # XXXX XXXX {$3100.00} XXXX ( CLOSED ) #. XXXX XXXX {$5700.00} XXXX ( CLOSED ) # XXXX XXXX {$7100.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
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 don't recall having a contractual relationship with this XXXX XXXX XXXX XXXX Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-03
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)

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter the eighth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.Please help me remove these fraud items immediately : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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 file a formal dispute on the XXXX of XXXX pursuant to the XXXX account XXXX It came back through experian as verified even though i reported it as identity theft, got in contact with them and have proof they deleted the item from being reported. Experian still is not compliant see attached document
Consumer complaint received 2024-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC (CA)

I have two loans with this servicer and I have 3 issues : 1. There is too much money being taken out of the escrow account and I have requested that the escrow account be eliminated and my money be refunded. 
2. They are either not charging me enough and/or not allocating the funds properly, as my loan amounts have not gone down one penny in two years and in fact, on one of the loans, the balance has gone up. 
3. Most disturbingly, the interest rate has risen 3 years in advance of the time we agreed. See supporting documentation. 

This company recently changed their name but it appears to be the same company. Under the previous name, there are a number of similar complaints.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX Number : XXXX Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXX Balance : {$15000.00} ( as of XX/XX/2024 ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under XXXX : According to the Metro 2 standards and the XXXX automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to seven years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX standards as outlined by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Charge CardDate Opened : XX/XX/XXXX, XXXX : {$24.00} ( as of XX/XX/2023 ) Credit Limit : $ XXXX : Charged Off, {$24.00} written off, {$14.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Reinvestigation Requirement under XXXX : According to XXXX XXXX guidelines and the XXXX automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/2023 contradicts the reinvestigation results.The payment history reflects delinquency dates ( XXXX, XXXX, XXXX, XXXX, and XXXX days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both XXXX XXXX standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process.
Consumer complaint received 2024-06-03
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 am writing to dispute the inaccurate information reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), Disputed Account Information : Creditor : XXXX XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXXXXXX XXXXStatus : Paid in settlement. {$24000.00} written off.Date of Last Payment : XX/XX/XXXX, XXXXOriginal Balance : XXXX XXXXReported Balance : -Reasons for Dispute : Inaccuracy in Reporting : According to the FCRA, all information reported must be accurate and complete. The status of this account as " Paid in settlement '' with {$24000.00} written off is not correctly reflected.Potential Violation of 15 U.S.C. 1681c : The FCRA mandates the accurate reporting of account statuses, and any paid or settled accounts should be updated promptly. This account is inaccurately reporting a negative status beyond the settlement date.Failure to Update Status Correctly : The status update in XX/XX/year> is inconsistent with the settlement terms and does not accurately reflect the account 's closure and payment status.Action Requested : I request that the credit bureau contact XXXX XXXX XXXX to verify the account is mine by providing receipt of certified mail sent to my address.The accuracy of this account and update the status to reflect that the account was paid and settled correctly as of the last payment date, XX/XX/XXXX, XXXXCorrect any discrepancies and remove any negative remarks associated with this account since the account has been settled in full.Provide me with a corrected copy of my credit report.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (OR)

I was informed at work that they were served on my behalf to garnish my wages. They served my work under a different last name for me. They never served me to let me know I was being sued. They were not even original creditor and the account was marked as a charge off but I never received a 1099- for this.
Consumer complaint received 2024-06-03
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.