davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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. (GA)

On XX/XX/XXXX, I sent an email to XXXX asking " Do they report bankruptcies to any credit bureaus, or third parties. '' And I received a letter back from them saying, They do not report to any bankruptcies to any credit bureaus or third parties. So if thats the case. How did the credit bureaus verify that my bankruptcy is XXXX XXXX accurate. They never did a fair investigation according to the 15 USC 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or which others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

According to 15 U.S.C. 1681 Action 602 A. States I have a right to privacy.

According to 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 5 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-06-24
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: EQUIFAX, INC. (MO)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting 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. (WI)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX iis purposely trying to cause harm to my credit scores XXXX XXXX is reporting XXXX credit bureaus Experian XXXX XXXX and. Sold my name to. Others Collectors agencies names, XXXX XXXX, XXXX XXXX XXXX also others WhomAlso requested same. Exact money. That XXXX XXXX  is requesting .and not owed. Which had turned into Fraudulent activity by different companies requesting money not XXXXXXXX XXXX XXXX XXXX other. corporations. My attorneys from XXXX XXXX XXXX disputes with credit bureaus companies and requested. Others information. Such as dates payments. And names on the Account. XXXX XXXX XXXX Haven't provided these on going verification iin 6 months ex. attached. Documents Below And lettter resently sent from XXXX XXXX asking for money with bill included different Names such as XXXX XXXX XXXX which is not my name On the Bill below
Consumer complaint received 2023-12-29
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. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a courtesy XXXX XXXX agreed to notify the 3 credit bureau 's to remove a late from my account for XXXX, XXXX. I have it in writing from an earlier dispute that was opened via the CFPB portal as well as XXXX XXXX sent me an email for my records clearly stating that the late shall be removed and it was sent by XXXX XXXX to the XXXX credit bureau 's back on XX/XX/XXXX. Both XXXX and XXXX removed the late reporting for XX/XX/XXXX however Transunion has still not removed the late. I have opened 2 disputes with Transunion and they are falsely stating they have reached out to XXXX XXXX and that that XXXX XXXX is stating that the late is verified as being correct and then closes my dispute. The XXXX XXXX  advocacy team at XXXX XXXX is stating XXXX Transunion has NOT REACHED OUT TO THEM and there is no record XXXX Transunion has reached out to them and that they have XXXX Transunion the notification to remove the late XXXX TRANSUNION has still not removed the late for XXXX of XXXX. This back and forth has been going for 3 months now with Transunion REFUSING to remove the late from my file even when instructed ny XXXX XXXX to do so ... ... .here is the original CFPB complaint ID # XXXX from XXXX XXXX where they indicated on XX/XX/XXXX that all credit bureau 's would be notified which included Transunion however Transunion XXXX the ONLY Bureau who has not updated my credit file and has STILL NOT REMOVED THE LATE
Consumer complaint received 2024-04-12
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. (NJ)

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries are not yet removed since my request. 

The inquiries that I wish to remove are located on the attached documents of this complaint.
Consumer complaint received 2023-12-29
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 to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DC)

My XXXX mortgage loan was issued on XXXX loan on XX/XX/XXXX for amount XXXX and on XX/XX/XXXX my loan trasfered to Nationstar mortgage now my balance is {$580000.00} and when I ask the customer service how my mortgage balance increased by {$120000.00} they said since its transferred from XXXX XXXX they have no idea and I would like the consumer protection bureau to investigate the matter
Consumer complaint received 2023-12-29
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 using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 

The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA.

I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA . I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile!

Upon inspecting Dispute Status ( BS-20 ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof!

Furthermore, this has been ongoing with OppLoans and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. 

According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, Opp Loans has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.
Consumer complaint received 2023-12-29
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)

I logged complaint # XXXX on XX/XX/XXXX and on XX/XX/XXXX Experian responded saying they would reinvestigate the complaint and respond in " up to '' 30-days. Well it has now been 32 days and they are in direct violation of my F.C.R.A rights. Now that they have failed to provide a resolution in the 30 day time period I demand the inaccurate reporting placed on my credit report by XXXX XXXX XXXX XXXX. I logged complaint # XXXX on XXXX XXXX XXXXXX/XX/XXXX and they sent a simple reply " we need more time to investigate '' on XX/XX/XXXX and no further response sense then. I do not care that CFPB gives up to 60-days to resolve a matter F.C.R.A says 30 days is sufficient. I have disputed this multiple times over several years to only get ignored by both the bank and credit bureau. I will proceed with legal matter if this is not deleted and a response is provided in a timely manner.

I do see where Experian sent the same request they always send to XXXX which is asking them to verify the debt, and yet again XXXX sent back a letter saying it was verified. 
I AM NOT DISPUTING THE DEBT IS MINE, I NEVER HAVE DISPUTED THAT FACT!!!! 
IT IS THE SIMPLE MATTER THAT XXXX LOGGED THIS ON MY REPORT AS CHARGE OFF, THE SAME MONTH THEY AGREED TO ACCEPT A DEBT REPAYMENT PLAN, AND THE SAME MONTH THEY RECEIVED THEIR FIRST PAYMENT VIA THE REPAYMENT PLAN. THIS SHOULD HAVE NEVER BEEN REPORTED AS A CHARGE OFF. 

I initially logged my CFPB complaint on XXXX XX/XX/XXXX XXXX even though they provided a brief response on XX/XX/XXXX the clock legally starts from the day I logged my complaint. So they are way over their time limit to provide a resolution. XXXX also mailed a copy of about XXXX or XXXX statements from XXXX, with no cover letter or explanation as to why I am receiving those ; So I am hoping their incompetent staff do not think that was a valid response, it clearly doesn't address my complaint. 

Also CFPB has failed to hold both the credit bureau and creditor responsible, I am perusing information on how to file against CFPB for their lack of assistance as well.
Consumer complaint received 2015-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Nationstar Mortgage has not filed a release of lien. When I was notified of the transfer of the mortgage from XXXX to Nationstar ( XXXX XXXX ) my mortgage had about two years of payments remaining - mostly toward principal and a total amount under ten thousand dollars. If I had let the mortage run its course, I would have only paid a few hundred dollars in interest. So I was thinking about paying it off anyway before the notification of the transfer arrived in the mail. I made XXXX payment in XXXX to Nationstar, which was difficult because they only set up my online account when I demanded it after XXXX consecutive days of phone calls and more than five hours on the phone. And then the payment did n't show up until I called back repeatedly - and the customer service is abysmal. This made me quite nervous because I pay bills on time and have excellent credit. At that point I decided to pay off the rest of the note, so I requested a payoff statement. The payoff statement that they sent was incorrect, so I had to request another one. I did a wire transfer directly from XXXX XXXX XXXX so that I would have some very official documents for my records that would confirm that I submitted the final amount on the payoff statement. Months later, Nationstar has not filed the release of lien after multiple official requests. They also have apparently never reported the existence of the loan ( which was in their hands for just under two months ) and it does not show up on my credit reports - either as an existing or closed mortgage. I am concerned because, as I have told the company multiple times, that if I need to sell my property the transaction will be held up because they still have a lien that needs to be removed. The company seems entirely incompetent at best, and predatory at worst. When they bought my loan, I had made every payment on time without issue. Never had problems with a mortgage company for the entirety of my mortgages ( and I have had several on different properties in my lifetime ) but Nationstar is a disgrace. What they are doing is unlawful - there is a law that requires them to release the lien, and I am afraid that I 'll have to pay a lawyer to get it done.
Consumer complaint received 2023-12-29
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)

Ive submitted this complaint several times CFPB, EXPERIAN XXXX XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIAN & XXXX with FTC Fraudulent report support my position. It seems EXPERIAN XXXX are violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these accounts blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts removed/blocked per 605b with the attached documents again. Thank you XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX  Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023.
Consumer complaint received 2023-11-22
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. (NJ)

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-29
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. (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I requested Experian, XXXX, and XXXX to reinvestigate the accounts sited next : Acct # XXXX, Acct # XXXX. After multiple attempts through letters, phone calls, online disputes over a 3 to 4 month period, they have consistently stated that everything was complete and accurate. How is that possible if the open dates, last activity dates, amounts, closed as collection account, amounts reported monthly, payment histories, etc are incorrect? Because this has impacted my ability to obtain credit, I am requesting compensation and the correction of my credit reports to accurately reflect my credit history. There are a total of XXXX inaccurate entries on my Experian credit profile and XXXX on my XXXX profile. I am requesting compensation for a total of XXXX inaccurate entries.
Consumer complaint received 2024-04-12
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. (PA)

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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. (TX)

Consumer reporting agencies, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).