davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account [ XXXX ] has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l am now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account [ account number XXXX ] that i have in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IA)

Today, I had found out that the items I want to removed previously on my dispute remains on my credit file. However, I want to remove it immediately with your help. Per FCRA section 605b, the Credit Bureaus are required to remove any items listed on an identity theft report. Please find the required documents to assist in the deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. For this unresolve issue, I am pleased to ask an immediate help from you to remove as soon as possible these negative items which i do not recognized as truely mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX.
Consumer complaint received 2024-06-13
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
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)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2024-06-13
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-13
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 would like to follow up in regards of repeated appearance of negative items in my credit file. I have diligently provided all necessary documentation and followed all required procedures to substantiate my claims of fraud. Despite these efforts and numerous follow-up communications, the fraudulent items remain on my account, causing significant financial and emotional distress. The persistent presence of these fraudulent items is unacceptable and undermines my confidence in your institution 's ability to protect my financial interests. It is imperative that this issue be escalated within your organization to ensure an expedited and thorough resolution. Please ensure that all fraudulent transactions are expunged from my account without further delay and have a thorough Investigation as well as please assist me to conduct a comprehensive review to identify and address the root cause of these unauthorized charges, implementing robust measures to prevent future occurrences. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-06-13
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 am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (ND)

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 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 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 2018-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (TX)

After continuing a dialogue with NationsStar/Mr Cooper as well as opening several complaints, reading and receiving their response, I have received the attached statement from this mortgage company. According to this statement, we owe {$10000.00} which is not what has been reported to CFPB. The last correspondence explains we have made 3 completed trial payments and our payments, afterwards, are modified payments of {$1400.00}? Which is financially unacceptable. For several reasons, we were TOLD, how this modification would work in our favor because payments would be smaller than the trial payments. Secondly, this mortgage company totally ignored tax payments are under a deferral and were sent back to the mortgage company several times because of this. One of the homeowners is XXXX and receives XXXX income making it nearly impossible to meet the payment of greater than {$1000.00}. A representative over the phone called and said our financials are not factored in when a modification is being considered. Please tell us how is this possible? Also, doing this time, our city suffered a flooding disaster ( XXXX, 2017 ) and this representative called attempting to collect a payment from us! Finally, we should have been offered a much better modification due to the disaster in our area recently. This is the fourth complaint on the same issue with this company and while the POC continues to deny Nations Star did nothing wrong, please share with consumers, state and government housing authorities why Nation Star would choose to exclaim its representatives did nothing wrong. Is that even the point? Previous submission ( XXXX )
Consumer complaint received 2024-06-13
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. (RI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-13
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-13
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)

Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX Complaint Details : I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent. 
Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy. 
o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates.

o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes. 

Given these provisions, XXXX XXXX XXXX and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Best
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-13
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)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. Failure to comply with this request promptly will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2024-06-13
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.