davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have mailed a dispute to Experian, USPS TrackingXXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailingattachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered.I have been disputing account ( XXXX ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directlyby you or to be authorized by you. As a precautionary measure, we have not taken any action on your allegedrequest. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item ofinformation contained in a consumer 's file at a national consumer credit reporting company is disputed by theconsumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate freeof charge. '' The account ( XXXX ) below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have mailed a dispute to Experian, USPS TrackingXXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailingattachments below along with the actual letter mailed to Experian, along with tracking and signature when delivered.I have been disputing account ( XXXX ) with Experian and Experian responded by sending an email stating, " We received a recent request regarding your credit information that does not appear to have been sent directlyby you or to be authorized by you. As a precautionary measure, we have not taken any action on your allegedrequest. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item ofinformation contained in a consumer 's file at a national consumer credit reporting company is disputed by theconsumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate freeof charge. '' The account ( XXXX ) below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ).
Consumer complaint received 2024-05-02
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 am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX XXXX XXXX The company has been made aware of the issue and has agreed to update the status to closed/never late. The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2024-05-02
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Texas Guaranteed (TX)

My payments are not being reflected accurately on my account. I have requested a detailed statement showing my beginning balance including any fees and cost, payments applied and remaining balance. I have requested this information three times and no one has responded. I have followed TG ombudsman policy to contact the collections department and still have not had a response.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, 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 2024-05-02
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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 2024-05-02
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. (IL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-05-02
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 marks my numerous request, addressing my status as a victim of identity theft. I am writing to dispute specific items in my file that have arisen from this crime. The disputed items are not associated with any transactions that I have initiated or authorized, nor do they pertain to any goods, services, or financial transactions that I have undertaken. I request the removal of any information from my credit file that stems from this alleged identity theft. 
These items are unfamiliar to me, and I am particularly concerned about discrepancies in the information provided. Some of the details have been removed from other credit bureaus ' reports, which raises doubts about their accuracy. Additionally, there are inconsistencies in the reported information on certain items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is regarding an account on my credit report that lists XXXX XXXX as the original creditor of account XXXX. XXXX XXXX responded to my last CFPB complaint stating that the account was reported as 180 days past due, but according to the payment history reflected on my credit report, 180 days is reflected for 2 consecutive months in 2019. How does the meet FCRA regulations? Furthermore, the CFPB complaint was closed with explanation ONLY. There were no supporting docs, just a response from the company. Please see the attached credit report which shows the inaccurate information reporting for XXXX and XXXX of 2019. This error is obviously listed on my credit report which creates further speculation of your company 's furnishing of incorrect information. I am requesting you provide the payment history that would validate Experian 's reporting. Also, explain how there is 180 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. I am requesting that all correspondence is via CFPB for a paper trail in case of legal proceedings. Lastly, the vehicle in question Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS, 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FCRA. Furthermore, you are hereby notified that at no point in time and under no circumstances are your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2024-05-02
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. (IL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (NH)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAND HOME FINANCIAL SERVICES (OR)

It is obvious that Land Home Financial Services has no intent of approving our VA assumption loan at a 2.75 % interest rate. I understand it is not in their financial best interest. However, when you agree to provide VA loans, you agree to provide all VA loans, you can not pick and choose which loans you will approve. This lender has kept us in the dark as they worked behind the scenes to disapprove our loan. Not once was I contacted by a loan officer. The only person I had contact with was an executive assistant named XXXX XXXX who was relaying messages from the underwriter. On the XXXX of XXXX I sent another email requesting information about the status of our loan. Only then did I get an email from the assumptions department telling me the loan had been submitted to the VA. I then had to ask them specifically if the loan had been approved or denied for them to tell me " I think it was a denial ''. I contacted the VA who said the appeal had been denied. I never submitted an appeal so I am not sure how it could have been denied. Apparently a XXXX XXXX ( XXXX, XXXX ) from Land Home Financial Services sent a message to the VA stating that the appeal had been denied. This company is misrepresenting me and the information they provided to the VA is not true. I am currently waiting on a call back from the VA case officer for our loan.
Consumer complaint received 2024-05-02
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. (IL)

I filed a dispute with the credit reporting agencies in regard to inaccurate information reporting to my credit reports. I never received any notifications in regard to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Consumer complaint received 2024-05-02
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$64.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX A ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXXL XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX : {$1100.00} XXXX  XXXX XXXX : {$1600.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I had three unauthorized charges to my PayPal credit account. I only received emails from the company about XXXX, which I disputed immediately for XXXX on XX/XX/XXXX XXXX XXXX and XXXX on XX/XX/XXXX iao XXXX. When attempting to contact the company about the status of the dispute I saw a third charge that was done previously for XXXX on XX/XX/XXXX iao XXXX. I disputed that one as well. The company denied my claim of unauthorized and I have not received any supporting documentation for their claim that it was unauthorized. I have not performed any transactions with XXXX or XXXX. The only thing PayPal has done to resolve my issue is to ask me to change my password three times. Furthermore the compromise was a little over a month after I signed up for the credit card. Which is sketchy at best.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MO)

On XX/XX/2023 at XXXX, a direct deposit from my job was deposited into my account for the amount of {$930.00}. This same day, I attempted to use part of the funds to pay my rent and notified my account has been frozen. I contacted cash app support ( via the chat portion of the app ) at XXXX the very same day and informed them of my account being frozen and would like to know why. A rep got back to me at XXXX, stating I would need to submit several documents to have my account unfroze. They informed me, once this was completed, they would get back to me in 48hrs. I submitted all my documentation that very day. After 48hrs on XX/XX/XXXX, I called customer support and was told it would now be 10 days until special Teams could review my case. When asked why my account was frozen, I was told they could not give me a definite answer. I explain to them the severity of my situation, and how I need access to my money in order to pay my rent and buy food for my family. I was told there is nothing they could do. On Tuesday XX/XX/XXXX I recorded this message via email Hi XXXX, Looking at your account, I can see that the suspension on your account has been resolved before I was able to respond. Im so happy to see that all is solved!

Thank you, Cash App Support I checked my account and my funds were still frozen. I reached back out to support on the XXXX at XXXX to inform them of the email and not having access to my funds. I was given no explanation as to why this email was sent but was instructed to re submit all the previous documents submitted on the XXXX and to allow 48hrs for them to process. I contacted customer support today, XX/XX/XXXX ( 48hrs later ) to inform them my funds were still frozen and that I have not been able to pay my rent or buy food because of this and was told they did not have an answer for me. My funds are still currently frozen and I am not getting any assistance from cash app as to why this is or when my funds will be available to me. Im in danger of losing my home and have no food in the home that I share with my XXXX XXXX  children
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXXXXXX  while vacation in XXXX, MO we attended an owners ' meeting and a man named XXXX XXXX sold us ownership in XXXX XXXX XXXX for {$3900.00}. This company was supposed to rent out any unused XXXX XXXX points and pay us for them. 

After receiving our XXXX XXXX points in XXXX, I contacted or attempted to contact XXXX XXXX to find out how to proceed. I called the numbers provided on XXXX XXXXXXXX XXXX business card but the numbers are no longer in service ( XXXX and XXXX ). I also emailed XXXX and that address does not exist. I contacted the executive offices of XXXX in XXXX where we supposedly purchased ownership with XXXX XXXX and they informed us that XXXX XXXX had been fired. 

I had no way to get in touch with this group and I contacted the credit card company to which the {$3900.00} was charged and informed them that this was a fraudulent charge and that we were unable to contact anyone ( even the info provided on the charging line of the credit card statement ( XXXX ) and that we had not received any services from them for which we had paid. The card is a Barclays XXXX XXXX card. Barlays immediately issued a provisional credit for the {$3900.00}. 

On XX/XX/XXXX I received a letter from Barlays indicatingthat indicated that they had received a response to validate the transaction and that the merchant had not violated the terms and condidtions of the sales agreement and that the {$3900.00} would be reapplied to our account. 

Again this morning XX/XX/XXXX I attempted to contact XXXX XXXX using the email address provided on the contract and received a reply that the address does not exist ( XXXX ) and I called the phone number provided ( XXXX ) and the number has been disconnected. 

I am going to provide this additional information to Barclays and continue to protest the charge because evidently either this company does not exist or has gone out of business because WE HAVE NOT RECIEVED ANY SERVICES that this contract provides.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.