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

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have XXXX retail credit cards through Comenity Bank. For the last several weeks, I have been unable to login to my account. I cant view my statement, my payment that is due, my account information, or anything else. It says to call for assistance at the website screen, but when I call, the associates say their system is down and they cant access any of my information. They say that I should call back in a few hours. This has been ongoing for weeks now. I need my account information as I am consolidating these debts with a loan from another bank and they cant pay these off without my account information. This is extremely infuriating and Ive never experienced anything so awful in my life in terms of my finances and personal information.
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. (NY)

I recently reviewed a copy of my credit report and ihad fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abiality to obtain credit. This is something that is against the law, according to the fair credit law and I would like to be able to eliminate it so I can obtain credit
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Click n' Close, Inc. (TX)

I requested XXXX forbearance in XXXX due to significant income loss. The 12 month forbearance ended XX/XX/XXXX. To which I inquired if there was an option to go beyond the 12 months, as there had been previously. I was told that was not an option, so I was sent a loss mitigation package which I filled out an returned. I was told at the beginning of the forbearance that I would be able to roll all past payments to the end of the mortgage as a balloon payment. The reason I know this is because my girlfriend works on at XXXX XXXX. She has shown me the guidance on this. She is also ending forbearance ( with XXXX ), and her past payments are being rolled into the back of her loan. She was also on XXXX forbearance and she started hers the month after I did. 
My servicer reported a 180 day late ( without any previous lates ) in XXXX. I was told that my loss mitigation package was accepted and that I wouldn't have a payment due in XXXX. I called back to inquire about the late payment and asked why it was reported that way. I was told that the information had been previously shared with me and it was not. I am in the mortgage industry and I cant have derogatory marks on my credit due to various license applications that I must submit at different times. I would have never entered into this had they told me that I would be shown as late on my credit. 
I called back on XX/XX/XXXX and said I could make a regular mortgage payment as to avoid the late on my mortgage and they said I couldn't and I had no choice but to have it show as late ; unless I decline the loss mitigation option and pay the approximately XXXX that is due from the forbearance period. 
My understanding, under the CARES Act that no derogatory marks would be issued once in XXXX forbearance period. They came to me with the loss mitigation payment which is higher than what my regular payment would have been. If I am struggling how does that make any darn sense. My escrow should also go down because of a reduction in my property taxes but they said they cant adjust it because I'm in a trial period. This just seems antithetical to common sense. 
I do think that my servicer may not be applying the rules correctly or misinterpreting the rules. I had to get XXXX XXXX involved twice when I was applying for the forbearance as they rejected it hence why Im coming to your organization.
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-20
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: CITIBANK, N.A. (GA)

I checked my credit score it is XXXX points less than the other XXXX reporting agencies, but the only one that has XXXX inquiries, for what I don't know, and why would they need to run my report XXXX times loving my credit score, my information should be in a file and ran once a year if I am looking for credit. This is unacceptable unfair and make my credit look bad
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I pulled my XXXX credit report and found One Main had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
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. (NY)

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Consumer complaint received 2024-06-07
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 trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning bankruptcy associated with my accounts. Upon meticulous review of my report, I have identified instances where bankruptcy have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of bankruptcy. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am writing to you today to once again dispute the item that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and fraudulent item was opened in my name without my knowledge. I already forwarded the required FTC report to the company and they have acknowledged that this item was fraudulent and have removed it. However, I have noticed that your bureau has continued to report this item, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent public record, you are not complying with the law and are putting me at risk of further harm. 

Bankruptcy XXXX XXXX XXXX Reference : XXXX
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. (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
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)

XXXXXXXX XXXX  Account Number- XXXX 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 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal Credit Union ( NFCU ) has been at the center of racial animus and discrimination allegations in loan activities. 

I applied for a car loan with NFCU. 

I applied online for a car loan. I was denied but given an email or notification in the application process that I could appeal the denial. 

I waited 10 days to do so to get the denial letter. I called NFCY with the info in the credit report noted as a reason for denial. I also sent a secure message inquiring about the appeal to no avail. 

I verified my credit score at XXXX, job and income data, employer data, cash on hand at other financial institutions, and my home address. All data was verified telephonically with a representative. 

The data wasn't reviewed. I'm still waiting.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been patiently waiting on BK OF AMER 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( BK OF AMER XXXX, BK OF AMER XXXX )
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
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. (PA)

I would like to dispute off the following accounts on my credit report. 


XXXX : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

As a Consumer, my rights have been violated according to the Fair Credit Reporting Act. * 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. * 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. * 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist this creditor ( XXXX CREDIT ) remove this late negative charge from my account. My account is in good standing and paid.
Consumer complaint received 2024-01-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

On XXXX, XXXX | sent out proof of verification letters to XXXX, XXXX, and Experian, the account in question is " XXXX XXXX XXXX ''. I have not been updated on this process even though I have disputed this account that is not mines. The following tracking numbers for proof of delivery for this letters are : XXXX ( Experian ) XXXX ( 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. (CT)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have been reaching out to XXXX XXXX for the past 30 days to obtain a charge off letter for my charged off account or a 1099c. Company stated that they can not provide a charge off letter. Ive made im numerous request for a 1099c but still have not received anything. Every time I call to follow up I am told it will be emailed in 48hrs but I still have not received anything after 30 days. Customer service is not sure why and can not allow me to speak to the department that sends out the form they can onky keep creating request. Its been request 3-4 times. Still nothing. This account was charged off years ago. 

I have a recorded phone called ( agreed by both parties ) confirming account charged off. Can send via email if possible.
Consumer complaint received 2024-01-02
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. (SC)

XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE XX/XX/2022 XXXX MORTGAGE XX/XX/2022 PALMETTOCI XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 SAFE FD XXXX XX/XX/2022
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.