davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXXXXXX XXXX XXXX XXXX  despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX XXXX XXXX account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-04-23
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)

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-23
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)

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX  XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I always ensure my payments are made on time. I am certain of this. What I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-23
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)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-23
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I was divorcedXX/XX/2016, my ex spouse took control and responsibility for home mortgage, send info and copy of divorce decree pages showing this to Experian showing this, as a disputed item, they investigated and refused to remove mortgage and one revolving credit account from my credit report
Consumer complaint received 2024-04-23
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. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-04-23
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. (IN)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$XXXX for each incorrectly reported item on my credit file.
Consumer complaint received 2023-06-19
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: Maximus Federal Services, Inc. (NV)

Good afternoon, Aidvantage account ending in XXXX {$3800.00} 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 my 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 in XXXX days 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 XXXX days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX 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 XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MO)

About a week ago I checked my credit report and noticed a new account in collections. I immediately called the debt collection agency and found out the origin of this debt. The debt was several years old and had been on an automatic payment plan ( the original payment plan was set up through XXXX ) It was my understanding that the automatic payments continued until the full amount was paid off. The bank card that the payments out of was my at the time boyfriend 's, and we split up, so I did not know the payments had stopped. I never received any notice about this debt or I would have taken care of it immediately. 

As soon as I saw this on my credit report I called the company and paid the amount in full. My concern is that this will still have a negative impact on my credit score and I have been working very diligently on improving my score, so for a new collection to be added for a debt that I didn't know existed is very frustrating. 

Thank you for your time. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

In this complaint, am writing to file a formal complaint against caine and weiner for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that caine and weiner placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I allege that Caine & Weiner, a debt collection agency, is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. The date on my consumer report indicating that I opened an account with Caine & WEINER XXXX XXXX for {$170.00} is blatantly false. I neither received any services or products from Caine & WEINER nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I was not provided with a meaningful opportunity to dispute the debt before Caine & WEINER reported it to the credit reporting agencies. Violation of 12 CFR 1006.34 ( b ) ( 5 ) In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Caine and Weiner provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Caine and Weiner is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I was denied credit by XXXX XXXX. I previously disputed the XXXX XXXX  account in my consumer file and Equifax failed to perform a reasonable investigation. There are XXXX  months of missing payment history reporting. WHo verified an incomplete report.
Consumer complaint received 2024-04-23
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)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-04-23
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. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENTS NEEDED ARE A PICTURE ID, A BILL AND LETTER FROM AN ADVOCACY GROUP HELPING ME DUE TI XXXX XXXX XXXX XXXX, WHICH FALLS UNDER XXXX ACCORDING TO XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ). I KINDLY REQUEST THAT YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I HAVE GIVEN YOU MY IDENTIFICATION AS WELL AS THE INFORMATION REQUESTED FROM THE LIST OF ACCEPTABLE ITEMS WHICH ONLY 2 ARE REQUIRED PER LAW.I HAVE PROVIDED ALL NEEDED DOCUMENTATION AS A VICTIM DETERMINATION LETTER ACCORDING TO 1022.142 ( B ) ( 6 ).
Consumer complaint received 2024-04-23
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)

Experian is furnishing inaccurate information for the account XXXX XXXX XXXX XXXX on my credit report. Experian was notified on XX/XX/2023 that they are reporting incorrect information on an unverified account. Experian and XXXX are reporting inconsistent dates for the date last active which is a violation of the FCRA. This information is not credible. There can not be 2 different dates reporting for the same account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter which is dated, and time stamped.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

XXXX This is not a duplicate *** There have been many activities of fraud activities on my mortgage account XXXX due to NationStar lack of security. With NationStar lack of security my account was compromised and harm has been caused to me. 

There were multiple delinquencies due to my tenant compromising my account and changing my contact information to her contact information. This was done without my awareness or consent. There has been falsified letters written by my tenant and a loan recodification also done by my tenant. All done without my awareness or consent. 

NationStar wo n't cooperate with such evidence. There was a letter written by my tenant pretending to be me requesting for authorization. The phone number on the letter is her cell phone number. The letter is page XXXX of a fax, but NationStar wo n't provide page XXXX XXXX fax cover page ) which will show that the fax was sent from her place of work. 

Also, there was a loan modification done to my account by my tenant by her contacting the " Making home affordable '' department to reduce the amount of monthly payment. In the documentation provided, Page XXXX shows the fax cover sheet which shows that my tenant XXXX XXXX was the one that did the loan modification. Upon bringing it to NationStar 's attention, NationStar was quick at looking the other way, yet forge the documents by removing page XXXX XXXX Fax cover page ) and then stating that no fraud has happened on the account. Yet, after forging the document, upon still requesting other information, another rep provide the same document and this time the document had page XXXX ( fax cover sheet ) So NationStar forged the document to hide the fraud evidence. 

After bringing the multiple fraud activities to NationStar attention, NationStar then stated that there was a voice call in 2006 of someone granting my tenant authorization over to my account. Yet NationStar wo n't provide me with a copy of the recording that would also proof further fraud activities. I have not requested nor granted authorization to anyone over to my account. The letter, loan modification and voice phone call was all done out of fraud activities of someone pretending to be me. 

If someone pretending to be me, that is Identity Theft and is considered fraud and NationStar is supporting it by forging documents removing evidence and not providing other proofs which will further proof fraud. 
The delinquents that happened on my account were fraud, cause by my tenant compromising my account due to NationStar lack of security.
Consumer complaint received 2024-04-23
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)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-04-23
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)

I write to address the unlawful disclosure of my bankruptcy status by XXXX XXXX XXXX, a violation of my privacy rights and legal standards. 

Documentation from the courts confirms that bankruptcy proceedings are not reportable, thus highlighting the egregiousness of your organization 's actions. Your unauthorized dissemination of my confidential financial information constitutes a severe breach of both legal and ethical standards. 

The correspondence received directly from the courts serves as undeniable evidence of XXXX XXXX XXXX 's engagement in unlawful practices by disseminating false information regarding my bankruptcy status. This violation not only tarnishes my reputation but also exposes me to undue scrutiny and potential harm. 

I demand the immediate cessation of all activities related to the dissemination of my confidential bankruptcy information. Additionally, I expect XXXX XXXX XXXX to issue a formal retraction and apology for the harm caused by its unlawful actions. Failure to comply will result in swift legal action to seek redress for the damages inflicted upon me. 

I trust that prompt action will be taken to rectify this situation and prevent any further breaches of confidentiality. Your immediate compliance is essential to mitigate the repercussions of XXXX XXXX XXXX 's unlawful conduct. Be advised that I am prepared to pursue all available legal remedies to hold your organization accountable for its actions. 

I anticipate your immediate compliance with my demands and a prompt resolution to this matter.