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

XXXX XXXX Account XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below 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 ratingFurthermore, 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was reviewing my credit report and came across unauthorized information reporting. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only phone number is XXXX XXXX Remove all old addresses Remove all other phone numbers
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Upon my submission of a re-investigation of Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Experian, it was determined that this account has been falsely manipulating my credit worthiness and in it's inaccuracies. I reached to the agency in writing, via certied mail and have yet to be contacted and /or received any response pertaining to this issue. According to the FCRA, 512.290 Timely error notice and reconsideration review process. ( 1 ) Unless a timely error notice is received byCMSwithin 45daysof the date of issuance of areconciliation report, thereconciliation paymentorrepayment amountdetermination specified in thatreconciliation reportis deemed binding and not subject to further review. 

( 2 ) IfCMSreceives a timely error notice, thenCMSresponds in writing within 30dayseither to confirm that there was an error in the calculation or to verify that the calculation is correct.CMSmay extend the deadline for its response upon written notice to theRO participant. 

( 3 ) Only theRO participantmay use the timely error notice process described in this paragraph and the reconsideration review process described inparagraph ( b ) of this section. 
This is a direct violation of my consumer rights and I ask that this account please be removed.
Consumer complaint received 2024-09-10
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. (NV)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-06
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)

On all three credit reports there appears to be a name, XXXX XXXX, associated to me which I have never used. 

A loan company is demanding I sigh a form saying I had obtained credit under that name I never have. They refuse to remove it. 

I will not approve possible ID theft attempted on my name. I have no way of knowing what this is associated with. 

How can I remove this to get my mortgage company to continue my application.
Consumer complaint received 2024-06-06
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)

Creditor : XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've been a victim of identity theft in the past. My information has been compromised due to a data breach. These accounts DO NOT belong to me. I'm alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal information to apply for goods services or money and was successful in creating fraudulent accounts. I have no knowledge of this, its hurting my chances at getting a home loan.I have disputed accounts in the Past with all 3 Credit Bureaus and the fraudulent Accounts are still on my report with no documentation evidence from the investigation that was made. A investigative report should be done by personal interviews and all 3 Credit Bureaus FAILED to accurately investigate, I need these inaccurate and unauthorized accounts removed from my report IMMEDIATELY because it is hurting my chances with getting a mortgage, which is helping to ruin the banking system which in turn is ruining the economy.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 on my account 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 date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was 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
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-10
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. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.

According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Experian hasn't corrected or deleted inaccuracies on XXXX XXXX, XXXX, XXXX accounts. Experian have not did a deep dive investigation on these XXXX accounts, These XXXX accounts was paid in full and on time.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have asked over and over again for the bureau to provide validation. They have failed to do so when i have disputed this matter. According to FCRA section 605b it is illegal to report information on my credit profile without my permission. I ask that you please remove the XXXX  XXXX from my credit profile. 

Thank you please remove this once and for all. This has been a nightmare and the bureau is in violation under FCRA Section 605b Thank you.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Recently, I did an XXXX on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that XXXX XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX  back in XXXX XXXX XXXXXXXX and myself negotiated a Deed In Lieu that was signed and documented. Today XXXX XXXX list with XXXX XXXX my account as a Foreclosure or XXXX days late. After many months and failed attempts XXXX XXXX has not produced XXXX document that shows XXXX  days late or Foreclosure. I have enclosed from XXXX XXXX XXXX XXXX Deed in XXXX that XXXX could not or would not produce. 

under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Consumer complaint received 2024-06-06
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. (IN)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank- Lowes- 3 month interest free. 

My loan was set to reach maturity XX/XX/year>. 

I logged in and made my payment XXXX there was no payment confirmation provided. 

XX/XX/year> I received an email that payment was due. I checked my synchrony account, as well as my bank account and neither indicated any pending activity. 

Coupled with the lack of confirmation it seemed there was a payment failure. So I followed the email instructions. 

The transaction ended in an error stating I should try again later- this further supported what seemed like the original payment probably didnt go through. 

I tried again. This also ended in an error. 

I called customer service- the loan was put in my maiden name, not aligned with the application, the only payment pending was XXXX and I was assured the rest was a system error. 

As of XXXX synchrony has taken XXXX out of my account 3 times this week- my initial loan was only XXXX! In addition to the second 2 transactions never indicating processing to me, the loan was paid in full with the first one, they had nothing to apply the payments to. 

I have now called customer service 3 times to be told that they could only see one payment, they could only see two payments, and the third time, that the supervisor will not be available until later today despite their posted hours. 

There was an authorization to take payment TO PAY MY LOAN, not to help themselves to my bank account multiple times. I was directly informed a single transaction was processing my first call. I have been given a run around since. The only effort being made in this situation is mine. 

This a predatory consumer practice, their system should have checks and balances to ensure it isnt happening.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (LA)

Letter XXXX XXXX XXXX  with USPS tracking number XXXX signed for on XX/XX/year> requesting verification of the account with a document bearing my signature. Nothing furnished within the 30 day time frame. Letter sent XX/XX/year> with USPS tracking number XXXX received on XX/XX/year> requesting again verification of account with documentation bearing my signature. Requested item not furnished in the 30 day time frame. XXXX sent XX/XX/year> USPS tracking number XXXX received XX/XX/year> requesting validation again with no documents sent proving any signature of mine bearing an account with this company. They are reporting inaccurate information to the credit reporting agencies.
Consumer complaint received 2019-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

Back in XXXX I got an FHA loan on my home. I put the required amount down ( 10 % ), and was told that the PMI insurance ( mortgage default insurance ) would come off after 5 years. This wasn't the case as I am still charged PMI now in XXXX. 

By law, FHA loans before XXXX can have the PMI canceled after 5 years, or have 22 % equity in the property with no missed payments. In XXXX the banking industry got a law passed to make PMI insurance ( an income product they sell to investors and get paid to service the payments ) mandatory for the life of the loan. Since mine was on the books before XXXX, the PMI for life of the loan rule does not apply. 

I purchased my home for approximately $ 142K. Due to improved local real estate conditions, and several major home improvements my house was conservatively valued well over $ 200K+ ( by a local real estate agent and their team ). This market equity meets the legal guidelines for PMI removal, and since I have never missed a single payment in 10 years I should not have to pay PMI payments each month. 

Here is the complaint : 1. My mortgage issuer ( Wells Fargo ) is not using market value ( $ 200K+ ) they are using the loan value listed on my amortization schedule, which is based off the original purchase price. They choose to not use the market/sale value to calculate LTV. Instead, they use the loan balance divided by the original value of the home as their " loan to value. '' 2. This odd calculation was never shared with us before we got the loan. Or that fact, we would need to pay PMI for 20 years on a 30 year loan. This is unfair for other reason as well. If I defaulted, and they sold my home they would make a healthy profit ( easily double their loan principal ). My credit score is over 800, and I have never missed a payment. Paying mortgage default insurance is a waste of my money. 

3. Since they recommended that I get an FHA " so I only had to put 10 % down '' I feel even more abused, as I could have put down more and just got a conventional loan instead ( without PMI ). 

4. This is also a devious way for them to force me to refinance. They say I need a market value appraisal to remove the PMI. They will order it and I will pay for, then they can refinance me into a conventional mortgage without PMI. The evil in this, is the appraisal and refinance charges are more than the PMI payments I have " left to make. '' Plus, the rate on the new loan they offer is identical to the FHA one. 

5. Those monthly PMI payments could be dedicated to 1.5 months mortgage payments ( an extra payment each year ) and if applied directly to the principal it would have reduced the interest paid. 

Can you help me get the PMI removed?
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (WA)

While I was in prison somebody stole my money network IRS stimulus debit card issued by XXXX and spent over {$1300.00} on it in XX/XX/2022 without my knowledge. I disputed the charges and they denied my case even though I sent them proof twice that I was XXXX  during the time they still won't refund the money. I've spent several hours trying to call them waiting on hold for almost an hour sometimes. Every time I do get through to them they won't give me any information about my case. They already denied it once I had to appeal it and it's been several months. I appealed it back in XXXX.