davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (MO)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
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 checked my credit score on my XXXXXXXX XXXX app. in late XXXX and noticed that my XXXX XXXX had fallen about XXXX points. After looking at my report I found XXXX late payments reported to my credit. These XXXX late payments were all from the student loan servicer XXXX. These late payments were posted on XX/XX/year>. I called XXXX and they had no record of me having a current student loan with them. After they investigated further, XXXX found that my student loans were serviced by them in the past ( XXXX ), then transferred to another servicer ( XXXX ). My XXXX account shows that the loan was paid in full and closed once it transferred. I asked XXXX if I had any late payments during the time they serviced my loan. My account did not show any late payments. Further, I asked if they had reported late payments to the credit bureaus and they said no. 

I submitted disputes to Experian and XXXX. XXXX did not have record of this late payment reporting. After Experian and XXXX 's investigation they reported back that they contacted XXXX and XXXX disagreed with my dispute and that there was not an error in their reporting the late payments. Experian and XXXX said I needed to contact XXXX. 

I called XXXX again and explained the credit reporting dispute results. I asked if they had been contacted by the bureaus. They said they had not and that they had not sent any statement to the credit bureaus about disagreeing with the dispute. I'm not sure how the investigation yielded a statement of disagreement from XXXX if XXXX wasn't even contacted. I asked to speak with a manager and she confirmed that there was no record of being contacted, or contacting any credit bureaus. I asked XXXX if I could get a letter stating that I did not have late payments and that they did not make any report to Experian and XXXX. They were not able to provide me with anything. XXXX suggested that I call the credit bureaus. 

Again, I called Experian and XXXX. They were not able to help resolved the issue and directed me BACK TO XXXX. 

I have been going back and forth between credit bureaus and XXXX and neither can give me an answer about the late payments reported on my credit. No one can provide evidence of the late payments. XXXX said all my accounts were paid in full and closed and there was no evidence of late payments. If XXXX is saying they never reported late payments to the credit bureaus and the credit bureaus are reporting that they spoke to XXXX how is this issue going to be resolved? 

I have impeccable credit. This is evident in my credit report history. No late payments until this student loan with XXXX. It is concerning that no one can seem to figure out who or how it was reported. I need help figuring out how to clear these false reports from my credit.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

I had an existing loan with NewRez shellpoint. I refinanced the loan in XXXX of XXXX with the same lender to satisfy my divorce settlement. I pay my property insurance via mortgage payment. On XX/XX/XXXX of XXXX I called my Insurance provider to report a snow related incident and was told that Newrez stopped my insurance XXXX of XXXX. This was a surprise to me as I even received emails from Newrez saying that they were paying my insurance. They acknowledged their error and assigned me a lender placed insurance. Before the adjuster arrived, I had a partial collapse of an outbuilding of which they gave me a separate claim #. At this time, they are denying the claim saying they dont cover outbuildings ( The policy I had did cover outbuildings ). I have spent hours on the phone with them. They just keep bouncing me around and accidentally hanging up on me. I absolutely had no reason to believe I was uninsured. My loan requires me to have insurance. I was without insurance for a year and a half. They led me to believe I was insured. I payed to be insured.
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXX XXXX  XXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Consumer complaint received 2024-05-15
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports Account Name : XXXX XXXX XXXX Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PR)

We've send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report.
Consumer complaint received 2020-06-16
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX   XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2019-04-26
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX****
Consumer complaint received 2024-05-15
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. (NC)

I am writing to urgently escalate a matter previously addressed in complaints filed on XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX ), and XX/XX/year> ( CFPB XXXX XXXX XXXX XXXX ), concerning XXXX XXXX incorrect reporting of a business credit card to my personal credit report. 

Despite multiple correspondences and complaint filings, XXXX XXXX has yet to provide a satisfactory explanation or adequate documentation that justifies the reporting of the XXXX XXXX XXXX XXXX XXXX XXXX as a personal liability. The responses from XXXX XXXX, including the most recent dated XX/XX/year>, have failed to address my specific concerns about the absence of a personal guarantee. Notably, after XXXX XXXX initial response in XX/XX/year>, where they did not validate the account as a personal obligation, the account was removed from my personal credit report, only to resurface recently, contradicting the previous resolution. 

Additionally, this account never reported to my personal credit while it was current. It only appeared on my personal credit report after the business defaulted on the payment, which was later paid in full. The business associated with this card has fully paid the owed amount. Despite this, the account is erroneously being reported as a charge-off on my personal credit report. 

The re-emergence of this account and its incorrect status on my personal credit files is perplexing and alarming, especially since the documentation provided, including statements and a copy of the application information, does not constitute a binding personal agreement or evidence of a personal guarantee on my part. As the card was signed and used strictly in my capacity as a company XXXX XXXX XXXX XXXX and no personal guarantee was signed, it is inappropriate and erroneous to report this business debt on my personal credit files. 

Furthermore, XXXX XXXX has failed to validate this account properly, violating the Fair Credit Reporting Act ( FCRA ) multiple times. In their validation attempts, they merely sent statements, which do not prove that I personally guaranteed the account. This alone is sufficient reason for the immediate removal of this account from my personal credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) XXXX general if, after any reinvestigation under paragraph ( XXXX ) 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. 

Please remove the following items from my credit report, 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
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (PR)

Re : Dispute of Account Number : XXXX ( XXXX ) To Whom It May Concern : I am writing to formally dispute the validity of the debt listed on my credit reports with XXXX, Experian, and XXXX, under the account number XXXX, associated with XXXX XXXX for XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am requesting that you provide me with the name of the original creditor of this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

Furthermore, I am aware of the provisions of the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of thirty days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws.

Please confirm receipt of this dispute letter and promptly initiate the investigation process.

Sincerely,
Consumer complaint received 2024-05-15
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. (NY)

In adherence to the mandates delineated within the Fair Credit Reporting Act ( FCRA ), I hereby submit this formal communication to revoke any and all authorizations, whether consciously or unwittingly conveyed, whether manifest in written or unwritten form, verbal or non-verbal. Consequently, I exercise my prerogative to opt out of the disclosure of certain information, as sanctioned by 15 USC 6802. Furthermore, my decision to opt out finds legal foundation in 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974, and 16CFR313.7f, wherein it unequivocally delineates the continuing entitlement to opt out, underscoring the autonomy vested in consumers to exercise this right at any juncture.

Per the purview of 16CFR313.7g1, the efficacy of my direction to opt out remains steadfast until such time that I formally rescind it in writing, or, upon mutual agreement, electronically.

It is imperative that ALL HARD & SOFT INQUIRIES be expunged forthwith, given their classification as non-open accounts pursuant to the statutory provisions of 15 USC 6801. In tandem with the invocation of the PRIVACY ACT OF 1974 and 15 USC 1681 ( b ), under the rubric of permissible purposes, I also choose to opt out of the reporting of all soft/hard inquiries in consonance with 16 CFR 313.7 ( f ). Moreover, I assert my entitlement to the " right to deletion. '' The characterization of any charge-off as a Certificate of Indebtedness merits meticulous scrutiny, as such instances are deemed tantamount to income and, by extension, are ineligible for reporting. This assertion is bolstered by the elucidations delineated in IRS publication p4681, accessible via the following link : [ Insert Link ].

In concordance with the mandates enshrined in 15 USC 6801, it is incumbent upon financial institutions to embrace a policy framework that upholds the sanctity of customer privacy, ensuring the safeguarding of non-public information in a secure and confidential milieu. Consequently, I demand the expurgation of all transaction history and inquiries from my credit report, for it is a flagrant transgression to disseminate any such information. In lieu thereof, I assert that all account balances be accurately reflected as " PAID IN FULL '' or " PAID AS AGREED, '' whilst simultaneously insisting on the obliteration of all hard/soft inquiries.

The rectification of all duplicate names and misspellings, alongside the removal of non-mailable addresses, stands imperative. It is incumbent upon all entities concerned to ensure that my nomenclature is articulated in its entirety, encompassing solely the first, middle, and last names, devoid of any aberrations.
Consumer complaint received 2024-05-15
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)

I am writing to express my serious concern regarding several items on my credit report that I have been trying to dispute. Despite my many attempts, my dispute has been ignored, which is unacceptable and has caused significant distress.

As you are aware, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. I am formally requesting that you look into this matter immediately and take the necessary steps to resolve the disputed items on my credit report. If you do not comply with the terms of the FCRA and address my dispute promptly, I will have no choice but to consider the possibility of litigation to protect my rights and ensure compliance with the law. With this, I am asking for your assistance to correct the latew open accounts and remove the charge off accounts : XXXX XXXX Balance Owed : {$7400.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$4000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.