davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to contact Transunion multiple times about a credit card, XXXX XXXX, that appears on my credit report as an account. 

I have NEVER had an account, or authorized a hard pull, on this company yet it's shown on my credit report, as of XX/XX/2023. 

Attached is a letter from XXXX XXXX, dated XX/XX/2023, telling me they have instructed the credit bureaus to remove the hard pull. 

Apparently, Transunion did that yet XXXX XXXX appears as an account.
Consumer complaint received 2024-04-19
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. (OH)

Ive just obtained a copy of my credit report, and found the following to be errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT have. Contract with this company. 

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. Also, letters have been stated that this was verified and under 15 US Code 1681i, states to follow a set of procedures to dispute accuracy. 

Please DELETE the prior collection as soon as possible.
Consumer complaint received 2024-04-19
Product: Credit reporting 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. (CO)

I tried calling Experian because I am trying to to seek clarification regarding the removal of late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report but did not get the option to talk to a live agent. The options I received when I called were " f you are calling regarding a security freeze, press XXXX or for a fraud alert, press XXXX.
Consumer complaint received 2024-04-19
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)

EXPERIAN claims to have investigated an account and verified its accuracy. This account XXXX XXXX XXXX is still inaccurate and needs to be removed immediately. The account reads an open date of XX/XX/2022 however there is no payment history during that time. This account does not meet metro 2 standards for accuracy and EXPERIAN said they investigated which is a lie.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Ensuring timely payments on this account has been a consistent priority, ensuring no instances of overdue status. The reasons for the late payment remarks on my accounts remain unclear to me. As per 15 USC 1666b - Billing Error, corrections ought to be implemented.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (MI)

These accounts are not mine. I would like you to review these. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

All credit decisions made have been affected by this incorrect information being reported by Experian. It has been reported inaccurately since 2015. Status for said bankruptcy has been discharged since XXXX of 2015. All other buruaes report correctly as discharged as verified by court documentation obtained twice, in writing, by debtor, herself to verify current and indefinite status and it shows discharged. Please update and delete all inquiries and or request any denials of services be appealed and offer any other protection that may be requested with regards to negatuve outcomes in credit worthiness by updating my profile immediately due to length of time and gross negligence on the credit reporting agency, Experian 's behalf.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2024-04-19
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. (CA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-08-29
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. (PA)

This morning, I was stunned to see inaccurate accounts suddenly appearing on my credit report, and I have no clue how they got there. When I checked my report, like I usually do, I was shocked to find discrepancies that came out of nowhere. I even refreshed my browser, hoping it was a glitch, but the errors remained. Because of this, I urgently request that the documents I've submitted be reviewed carefully so that I can put this behind me and never have to worry again.
Consumer complaint received 2024-04-19
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)

According to XXXX XXXX XXXXXXXX XXXX  Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY, This account violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 
Delete ACCOUNT 'S # XXXX and # XXXX
Consumer complaint received 2024-04-19
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. (NJ)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (WV)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2017-03-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

PLEASE KEEP ALL MY SEPARATE COMPLAINTS SEPARATE. 
BREACH OF CONTRACT ( RESPONSE ) Sunday, XXXX XXXX, XXXX XXXX XXXX 1 I am really disgusted with the lack of customer service at Nationstar. It still seems to be the same run around. I do n't need information out of your book on dead line dates and what needs to be done after that. I need to know why after 3 different times of me sending in the application for the loan mod, hardship affidavit, dodd frank and the XXXX. How you can tell me that it was expired.? 
2 Why would the letter received as your response say, '' However, the application never got to the approval status as a complete package was never received. No documents were received after XXXX XXXX XXXX? SEE EXHIBIT XXXX 3 Was there a request for something? 
4 Solar energy profit and loss? That was never requested. SEE EXHIBIT XXXX 5 The letter states that it was closed due to an incomplete package. " Unfortunately, a denial letter was not generated due to a processing error, at the time the denial occurred for the following reason. '' 6 The truth be told, the reasoning for the closing of my home loan mod request was in fact due to the emotional and mental beat down that Nationstars SPOC stomped me in the mud I filed BK due to the fact that : XXXX XXXX informed me on XXXX XXXX XXXX that he did n't have enough time to get into underwriting. 
7 WHY? Would XXXX email me on the XXXX XXXX XXXX and tell me that he has escalated it to underwriting? XXXX XXXX XXXX tell me that he did n't have enough time to do so? XXXX XXXX XXXX was the AUCTION DATE FOR MY HOME TO BE SOLD OUT FROM UNDERNEATH ME! 
8 I am not sure what it is called. But I know there is some kind of time line of all documented movement on my file. I am requesting to see it. I want to see all documented HELP that was give to me. 
9 For the second review? Nationstar claims that it was opened in error. " Initiated on XXXX XXXX XXXX. This review was closed on XXXX XXXX XXXX, with the close reason of the review being opened in error due to the loan being paid in full on XXXX XXXX XXXX, no denial letters are sent for reviews that are closed due to being opened in error. ****DUE THE MATH ON THE HIIGHLIGHTED AREA*** *********NEED I SAY MORE?????????? /********** 10 # XXXX Is a COMPLETE LIE XXXX The letters " SPOC '' I never received XXXX of the letters.
Consumer complaint received 2024-04-19
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)

I was getting ready to purchase a house and apply for a mortgage, thats when i find out a bunch of credit cards were open under my Information without my knowledge or authorization, some even went to collection. i listed them below. 

XXXX TypeBalance XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX TypeBalance XXXX XXXX OpenedXXXX XXXX  XXXX XXXX XXXX Type ClosedXXXX XXXX  XXXX XXXX XXXXXXXX XXXX TypeBalance XXXX XXXXXXXX XXXX XXXX XXXX XXXX TypeBalanceDate Opened XX/XX/XXXX XXXX TypeBalanceDate Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX openedXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

MOHELA forgave my student loans under XXXX back on XX/XX/year>. They confirmed I made XXXX direct consolidation loan overpayments and said the XXXX would reimburse me. I filed a complaint with the ombudsman XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. It is " in review ''. I have heard nothing. Any assistance is appreciated.
Consumer complaint received 2024-04-19
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. (FL)

I called the creditor ( XXXX  ) about false reporting late payment on XX/XX/2023. XXXX XXXX confirmed that the report was in fact incorrect and was already removed on XX/XX/XXXX of the same year. 
The late payment was still showing on my credit report so i contacted the bureau to get this fixed and didn't. They keep reporting incorrect violating my rigths. 

I looked at my report back on XX/XX/XXXX, and noticed the late payment is still there. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account [ XXXX ending on XXXX are not complete and accurate. 

I called asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but s everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

I got an email stating that my account was being closed because it was not in compliance with the international policies. With no fair warning ior explanation as to what that means or what happened. I have remaining funds in my account and they are refusing to send out my funds that are remaining in my account.
Consumer complaint received 2023-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA.
Consumer complaint received 2023-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Received documents from PENNYMAC stating that a pre-foreclosure is about to start on my private property and I had 45 days to respond. I send several certified written requests to the XXXX, which they had 30 days to respond. However, PENNYMAC was the only one that responded and requested additional time to conduct a full review. On XX/XX/2023, two gently men showed up from safe guard property and removed the security door and place a lock box on the door per PENNYMAC request. However, I would like an explanation from the lender. I would also like a response from my written request that was send to all parties, as soon as possible. ( SEE ATTACHMENT ).
Consumer complaint received 2021-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

U asked for a pause in payments. No response. I rehabilitated the loan. No response. They only tell me to keep paying {$300.00}. I never receive any information. I have to call to get any information. I have XXXX and am stressing out. They don't care. 
Pioneer credit recover XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"