davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

Hi, I pass a lot of days, months a year ... more than a year fighting for my house ... My roof ... I pass about maybe five processors in trying my loan modification since XXXX XXXX. Then XXXX I start a modification because my income has changed ... already I received XXXX XXXX XXXX to work. But this people started with a processor that one resign to the bank and then other that I always send email making following and calls over and over and another one and another like ghost but they dont stop the foreclosure. This is so hard for me because at same time this bank make me more sick than ever ... I understand that I can paid my house YES. But all the time FIRST BANK OF PUERTO RICO says they want the house ... yes I got another house that was currently payment. But this house in XXXX XXXX is the first one. Please a need HELP FROM YOU BECAUSE THIS IS THE WORST THING I EVER LIFE AS SAME MAKE ME SICK ... ( losing weight about 40 pounds to many things, If you need the information from doctor sure be able to should you )
Consumer complaint received 2019-07-25
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: LEXISNEXIS (PR)

On several occasions through certified letters I have asked both XXXX and XXXX to validate and provide me with copies of any documentation associated the accounts XXXX AND XXXX reported by them. According to them that information was provided by LexisNexis as a third party vendor .I hereby demand that LexisNexis send a letter to XXXX and XXXX clarifying the situation and asked to remove those accounts from my credit reports The information that gave LexisNexis to them is wrong .I formally request that this information be deleted from my credit files. ( Attached copy of the letters )
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
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. (AZ)

I consistently ensure that I pay on time, and I am sure of this. However, 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 error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is XXXX XXXX XXXX XXXX XXXX, I have noticed that I have had collections, inquires, and late payments on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, 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. (PR)

This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This two accounts still on my report and they shouldn't I have tried to resolve the issue with the bank but nothing has been done. Per FCRA the account are 8 years and months old it's past the 7 year maximum that the account can stay in the my credit files this information needs to be remove by law.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The balance reported it is incorrect it should be a balance of {$200.00} instead of {$400.00} this is inaccurate information reported into my credit files as well a violation of the FCRA due to the company reported the inaccurate information it must be removed by law.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-05-07
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)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-27
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. (MD)

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 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX @ XXXX I called Experian to inquire about my dispute report # XXXX re : credit reporting which has not been updated since XXXX. Experian system would not allow me to dispute the same matter that has been pending. I uploaded supporting documents documents again regarding the account in question to be corrected. According to the representative, he was not able to see the uploaded document, and stated it would take 3-5 business dates. As of today, the account is still setting on my credit report and has not been updated yet. 

The account was settled and closed XXXXXXXX XXXX Later on the same date, I received an email stating my Experian account was updated... middle name. 

I never request a change in my name and followed the instructions re : If you did not request this update, please call, in which I did. The updated name they put on the account in not my name, and never requested a change. I called backed and asked the representative for a dispute report # in which she stated there is not report #. My personal information ( name ) was updated without my request. I requested the representative to reset my correct name that has been on my account since I opened it. 

There was never a request to update my personal information, just an inquiry on my dispute, in which this company has not addressed yet .... 
XXXX poor business. We as consumer should not have to fight this hard to keep our information safe and correct. Who is the gatekeeper here?
Consumer complaint received 2024-05-13
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. (CA)

I sent multiple letters to XXXX, XXXX and EXPERIAN. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/2024 with the tracking number XXXX tracking number XXXX, XXXX tracking number XXXX, EXPERIAN tracking number XXXX. I never received any response from any of these bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting late on EXPERIAN and that is 100 % incorrect this account is always paid on time and was never late. XXXX XXXX XXXX XXXX  is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX XXXX XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-07
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. (FL)

I have recently reviewed a copy of my credit report. I was shocked to find that i've been a victim of identity theft, I found numerous accounts that were not opened by me. This has been affecting me as I am trying to find a home for my family. I also noticed 2 other debt collectors who have been added to my reports by the name of XXXX XXXX and XXXX XXXX XXXX XXXX. Please remove these accounts immediately.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian XXXX My score dropped from XXXX points from XXXX to XXXX in the last 20 days. 

I have less than {$3000.00} collections. 
XXXX  percent on time payments. 
No Bankruptcy. 
No loans. 
No Mortgage which was paid on time when I did have mortgage. 

Again this is discrimination, I have supported docs of my current situation. 
As a now XXXX first responder close to 30 years. 

I now still remain XXXX. 
Now need knee XXXX. 
Still have pending XXXX claim since XX/XX/2020.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My current mortgage company Nationstar is refusing to honor the terms of a modification I received when the loan was with XXXX. As a result of this my loan has gone into foreclosure and I have a court hearing next month. I believe that Nationstar 's actions are unethical and illegal. I sent in my payments for the modification as agreed after the loan had been transferred, but Nationstar sent the payments back to me claiming they were just " partial payments. '' I tried to explain to them that I had an existing loan modification and that it had been approved by HUD since I have an FHA loan but they would not believe me and told me I had to apply for a new modification with Nationstar. When I did this I was told that I did not qualify -- because I had already recently received a modification?? I am flabbergasted and outraged at the behavior of Nationstar, who seems to want to push me into foreclosure to cash in on the insurance money instead of following the government rules and guidelines for FHA loans. 

I have owned this home for 12 years. We never had a problem making the payment, until I went through a separation in XX/XX/2015 and was reduced to XXXX income. At that time the loan was with XXXX and I provided all of my financial information to them and was offered a modification that allowed the late payments to be held in a silent second ( I think it is called a partial claim ) and for me to resume making payments of {$850.00} a month. I gladly accepted this agreement and made the payments as agreed. Then the loan got transferred to Nationstar and their agents would not take my payments and actually sent them back to me. When I told them I already had a modification and this was the agreed upon amount they told me I was wrong and that I would have to apply again. All during this time I could have been making payments but Nationstar refused to accept what I offered -- -- after I applied for a loan modification through Nationstar I was told that I was denied. Because I had already received a loan modification??? If I already received a loan modification why was Nationstar pretending this modification did not exist? This is the ultimate hypocrisy and unethical, immoral and illegal behavior by Nationstar. 

I am not asking for a handout or anything free. I am asking Nationstar to play by the rules and resolve this situation. Due to some type of internal issue or poor recordkeeping Nationstar acquired my loan and made a mistake relating to the loan modification I had received and they failed to honor this. This is a violation of the government guidelines relating to FHA government insured loans. When I tried to make payments Nationstar SENT THEM BACK. Nationstar then told me I had to apply for help again ; when I did apply I was told that I could not receive help, because I had received a modification in the past, even though Nationstar refused to recognize this when I tried to make these payments.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I ate at a restaurant on XX/XX/2018. The original bill was {$29.00} and I added a {$3.00} tip for a total of {$32.00}. The restaurant modified my receipt and changed the tip amount to {$8.00} for a new total of {$37.00}. I disputed the new charge on the basis of fraud and the bank initially refunded my account. The restaurant provided a copy of the receipt and the bank subsequently reversed the credit and charged me the full amount. The receipt provided by the merchant clearly shows the intended total I wanted to pay was {$32.00}.
Consumer complaint received 2024-05-13
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. (FL)

Experian XXXX XXXX are all reporting a collection, originating from XXXX I guess, on my credit file. 
I filed an FTC Identity Theft, report number XXXX, & sent it in, along with this cover letter, * SEE ATTACHED FOR ALL*, stating that it was identity theft & to please delete it from my credit report along with copies of my passport and my social security card on the XXXX of XX/XX/year> & mailed it to all XXXX bureaus, Experian XXXX XXXX XXXX XXXX it came back verified I called again & spoke to XXXX and then XXXX XXXX received a Case Number XXXX asked to speak to a supervisor that I wanted to escalate the matter, I was told I would receive a call back in XXXX days, I never did. 
XXXX XXXX Experian are still in process? or? Im not sure but I havent heard anything yet I want this derogatory information removed from my report as it hurts my chances of obtaining credit, housing and employment