davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NV)

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed my Equifax credit report on the XXXX XXXX platform as well as the XXXX three bureau report and there is an account from XXXX XXXX XXXXXXXX that is not mine and showing on my report. However, when I review my report on the Equifax website, the account in question is not there. I have attached copies of the report from XXXX XXXX and XXXX for review as well as a full Equifax issued credit report. I am concerned that these other credit report platforms are including this erroneous information in their reports. Where are they getting this information from?? Is it possible there is a split file and this account is erroneously being reported? 

The account details are : XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE UPDATED : XX/XX/XXXX CREDIT LIMIT : XXXX HIGH BALANCE : XXXX
Consumer complaint received 2023-02-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I am a victim of severe identity theft and fraud, tax fraud, financial fraud, thats been ongoing and law enforcement nor id shield is willing to help with past fraud to help me move forward in my life, i am XXXX  XXXX need help with things like this being its taken a stressfull tol on my mental and physical health. My credit history goes as follows only negative issues in all my lifethay should be on my reports is XXXX ) child support arrears i had and paid in full XXXX WHY STILL COLLECTING ON IT I DONT KNOW need documentation to show ORS that i paid this off please help with that id possible ; XXXX ) XXXX XXXX XXXX i paid off in full long time ago ; XXXX ) XXXX XXXX XXXX fines i paid off in full awhile back ; XXXX XXXX, XXXX my identity was stolen, i had a credit score of about 672 come XXXX XX/XX/XXXX my score plumetted to XXXX due to identity theft fraud i could not get into equifax to check credit since then until recently now i am unable to get into experian account due to ongoing fraud XXXX varies with access but that is due to security questions i dont know answers to because THE THIEVES STOLE MY IDENTITY AND I HAVE NO KNOWLEDGE OF WHAT AUTOMOBILE THEY PURCHASED OR WHAT LINE OF CREDIT THEY RECIEVED AND MONTHLY PAYMENTS ON MORTAGE LOANS NONE OF THIS IS ME! PLEASE HELP I CANT KNOW WHO TO TURN TO ANYMORE i have id shield services and smart score DONT INVESTIGATE PAST STUFF IM WILLING TO PRESS CHARGES ON THESE THIEVES TO HELP PROBLEMS WITH FRAUD IN MY COUNTRY
Consumer complaint received 2024-05-12
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.s my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX  account number: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. (FL)

I am formally requesting a follow up in this complaint to update the account in my credit profile that is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
Experian : XXXXXXXX XXXX Date opened : XX/XX/2021 XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX Date opened : XX/XX/2021 XXXX Balance : {$0.00}. In addition please provide evidence that the account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccuracy on this accounts information as quickly as possible.
Consumer complaint received 2024-05-12
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)

Contacted company to report that my name, address and employer were incorrect and there's been no action. My personal information ( eg : name and address ) should be reported as stated on my Driver 's License which is included in this complaint for identify purposes.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

Caine & Weiner has reported a collection account to my consumer credit file. I do not owe this alleged debt.Caine & Weiner HAS NEVER SENT any notice of collection to me ever. This is a strong violation of the FDCPA. If Caine & Weiner has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Caine & Weiner has reported to my consumer credit file. Caine & Weiner has no legal right to attempt to collect a debt as this does not belong to me. Again Caine & Weiner has not validated this debt nor sent me any notice of collection fordebt validation.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-12
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)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name : XXXX XXXX. Account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.
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. (NJ)

I recently reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/DEPT OF ED, XXXXDEPT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (PA)

XXXX and XXXX XXXX are both reporting incorrect information to XXXX and TransUnion about account number XXXX. Not sure how an account that has supposed to had been verified, have so many erroneous errors and different information. All are reporting different open dates, Reporting dates are different on all of them, last active dates, and none show any payment history. Not to mention, does this account belong to XXXX XXXX XXXX or XXXX XXXX XXXX? 

Please remove this unverified account, and inaccurate account form my credit profile.
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

I have been in communication with american education services to try to get my payment reduced. Account XXXX for XXXX XXXX. This loan is now in danger of defaulting. The last few conversations I have had with representatives have told me I am eligible for forebearance on my higher loan that is XXXX but when I apply I am denied. I have also been given false minimum payment information repeatedly so that my payment amounts that I have been making are not sufficient. 

I would like to be granted a forebearance and be able to get caught up on this loan so I can go into repayment as soon as possible with a reasonable payment amount. 

The last representative I spoke with yesterday, XXXX XXXX, 2015 validated the issues I am having and has offered to investigate further. His ID is XXXX and his name is XXXX. He says I was given the wrong/incorrect amounts needed to pay to qualify for other plans. Wrong amounts and dates. 

Again.. I would like to get the outstanding payment/current due of {$1100.00} to be reset or in forebearane and the interest rate lowered so that I can make a reasonable payment arrangement.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I am writing to dispute the inaccurate and unverified information on my credit report, which has been reported by your agency. Specifically, I have been informed that my address has been reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX despite my current address being XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 

As a consumer, I have the right to accurate and complete information on my credit report. The inaccurate reporting of my address is a violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate information. Your agency has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning me, violating this section of the law. 

Furthermore, Section 609 of the FCRA requires that consumer reporting agencies maintain strict procedures to ensure that only authorized parties can access my credit report. Your agency may have violated this section by disclosing my credit report to unauthorized parties, as I have never authorized any access to my credit report for any reason. 

In addition, Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ) requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that your agency has reported my address information inaccurately may be a violation of this section as well. 

Finally, Section 216 of FACTA requires creditors and debt collectors to properly dispose of sensitive consumer information. If the creditors who provided your agency with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

This inaccurate and unverified information on my credit report has had a significant negative impact on my life. It has caused me to be denied credit, which has prevented me from purchasing a home, a car, and other necessary items. It has also resulted in me paying higher interest rates on loans and credit cards. 

Therefore, I am requesting that your agency investigate the inaccurate and unverified information on my credit report and take the necessary steps to remove it immediately. I also request that you take steps to prevent this from happening in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

XXXX and XXXX XXXX are both reporting incorrect information to XXXX and XXXX about account number XXXX. Not sure how an account that has supposed to had been verified, have so many erroneous errors and different information. All are reporting different open dates, Reporting dates are different on all of them, last active dates, and none show any payment history. Not to mention, does this account belong to XXXX XXXX XXXX or XXXX XXXX XXXX? 

Please remove this unverified account, and inaccurate account form my credit profile.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
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. (TX)

To Whom It may Concerm According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I have an HAMP loan wit XXXX XXXX XXXX which was sent to Nationstar Mortgage. The Hamp loan was for 2 %, 3 % and mature at 4 % in the fourth year. While completing the fourth year the Mortgage company said they are raising the mortgage interest from 4 % - 4.625 % and there are no end in sight. I applied re-modification and they said because I was on time in my payment and not in default they can not help me. I also include a divorce decree where the court request I remove my spouse name on the mortgage, they will not do it. I try to refinance with them and the said no because the property is still under water. I have no where else to go and need help. The new mortgage payment is more that 55 % of my net income and can not continue to afford it. I want to keep my home and now they hold me hostage because I have no where else to go. No mortgage refinancing company will touch me because the property is underwater. I want a permanent interest rate and not floating. Please help me. The following information is necessary Mortgage XXXX Nationstar Mortgage My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-12
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)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXXXXXX, account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-05
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)

My account with US DEPT ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 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 21 days before the payment due date. 


US DEPT ED Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC (NC)

I had an auto loan with American Credit Acceptance. This loan was paid off on XXXX. There was an overpayment of {$77.00}. I also canceled GAP insurance and a vehicle service contract which caused additional payments to ACA in the amounts {$220.00} and {$630.00}, respectively. Those payments show a having posted on XXXX. That money should be returned to me. 

After waiting a few weeks, I contacted ACA to inquire about the refund. I called at the end of XXXX and was told that the refund check had been mailed to me on XX/XX/2023 and that I should continue waiting on it. Was also told that if it had not been received by XX/XX/ to call back and they would re-issue the check. Called on XX/XX/ and spoke to a supervisor ( XXXX ) and was told that she would escalate the matter. Called back on XX/XX/ and asked to speak with XXXX or another supervisor, however neither would take my call. The representative I spoke with told me that my refund was mailed the previous week to my home address. He said payment was in the form of a debit card that I " could use at an ATM ''. Said it would be delivered today ( XXXX ). I checked my USPS informed delivery and there is no mail from ACA. These people are rude and they are unwilling to refund my overpayment. I want my refund. The account status shows as CLOSED however there is no transaction listed in the account history showing the excess funds being returned to me.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.