davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (OH)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completedPursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (NJ)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-25
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. (CO)

I am writing to formally dispute the information reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ).

I urge you to conduct a thorough investigation and rectify these inaccuracies promptly.
Consumer complaint received 2024-05-25
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX  XXXX XXXX Owed : {$1200.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NM)

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. I have previously submitted multiple requests for the removal of fraudulent accounts, but despite my efforts, the information has not been updated, and the fraudulent accounts continue to be reported. 
XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!XXXX XXXX XXXX XXXX  PLEASE DELETE!!! 
It is disconcerting that the other bureaus have already completed their investigation and updated their reports accordingly. However, your bureau has not reflected these changes, causing ongoing damage to my credit score and financial reputation. 
I kindly request that you promptly investigate this matter and update my credit report to accurately reflect my credit history. The continued reporting of fraudulent accounts is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-05-25
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. (MD)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX, Account Number 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 re-investigation.
Consumer complaint received 2024-06-04
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)

Experian, XXXX, and XXXX were informed that they were reporting inaccurate payment history for account XXXX XXXX. XXXX is reporting 30 days late in XX/XX/2023, while Experian and XXXX reports 30 days late in XX/XX/2023. This is obviously an error on the CRA 's behalf, and this has been confirmed in the XXXX response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/2023 as a goodwill. I was informed by the company that the late payment XXXX is reporting in XX/XX/2023 is not correct. I am demanding that the late payment is removed from all 3 credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.
Consumer complaint received 2024-05-25
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. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-25
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 want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (GA)

Contacted XXXX XXXX aka XXXX about reporting an invalid bankruptcy to XXXX XXXX XXXX and didnt receive any documents or validation of these claims also requested that they put a security freeze on my file and nothing has been done
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted Experian, XXXX and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  Balance : {$750.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance XXXX {$570.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
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. (IL)

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN BECAUSE THEY SAID I HAD COLLECTIONS ON MY ACCOUNT WHEN IN FACT I HAVE NEVER OWED ANYBODY OR HAD ACCOUNTS WITH THE COMPANIES THAT I AM DISPUTING. THESE ACCOUNTS ARE SEVERELY INACCURATE AND I NEED THEM REMOVED IMMEDIATELY BECAUSE THIS IS UNFAIR AND GOES AGAINST THE FCRA. EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE BUT MY CREDIT REPORT AND CREDIT FILE IS NOT. THIS IS RUINING MY RELATIONSHIP WITH THE BANKING SYSTEM AND RUINING MY LIFE. I NEED THESE ACCOUNTS REMOVED AS SOON AS POSSIBLE OR ELSE I WILL BE FORCED TO SUE IN FEDERAL COURT. I. HAVE ALL OF MY IDENTIFICATION DOCUMENTS ON EACH OF MY LETTERS SO YOU KNOW THIS HAS NOT BEEN DONE IN ERROR
Consumer complaint received 2024-05-25
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. (IL)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-05-26
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. (GA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-05-25
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. (LA)

I contacted the credit bureaus on XX/XX/2024 to notify them that items on my credit report were wrong. I asked them to investigate and to correct it and send me the results and I have not heard back from them and nothing has been fixed on my reports. I am aware that they have 30 days to conduct an investigation and they failed to do so. It has now been 61 days with no response from them.
Consumer complaint received 2024-05-25
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. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (CA)

On XXXX loan servicing transfered from XXXX XXXX  to Shellpoint, I called Shellpoint on XXXX I requested mortgage assistance or mordification, I spoke to twodiifferent men at Shellpoint I requested mortgage assistance I was told they would take my financials over the phone I did not need to fill out a hard copy app. on XXXX I called back to inquire if a decision on mortgage relief had been made I was told by XXXX that I had to fill out a new app, twenty plus days were wasted.What my needs are is a lower payment than XXXX, I XXXX XXXX XXXX XXXX XXXXXXXX unable to work. 
Loan # XXXX with Shellpoint initally the mortgage originated with XXXX XXXX, I feel the loan offered was preditory 15 yr payment of XXXX, I feel this is senior abuse I had been XXXX  XXXX  they had my taxes as well as bank statement no consideration was made for business expenses I feel they looked at my gross and figured I could afford the high payment, all items sold to customers has to be paid for before items leave the warehouse the goods shipped or delivered to customers are not free, to drive to primary customers location gas would be over {$400.00} at an average of {$4.00} per gallon car payment {$430.00}, auto insurance {$140.00} just to go work at least {$1000.00} in expenses. 
i am now faced with other household expenses changing filters every 3 months and inteference during construction radiation added to the home to cause me and other occupants harm. The exterior now faced with rodents re gopher and mole as well as squirrels have started to be a problem. 
The builders lender also offered a preditory loan of 8.99 % initally it was at 5.99 % 30 days prior to close of escrow they offered a higher rate which was unacceptable I have bussiness expenses to pay other than a mortgage, there was a claim that my score needed to be higher she had been working with me sine XXXX she should have requested other documentation that would have raised my score 30 days prior is deffinately not enough time, I feel this ia a stratergy used to sell a higher intrest loan to a buyer. I also feel her upper management is in on selling a loan at a higher intrest rate there for not giving the consumer the assistance needed to acquire a low intrest loan. I was working with a credit repair company and was asked by builder to stop all disputes so they could pull credit. KB mortgage worked with XXXX XXXX Iapplied with California mortgage relief XX/XX/year>, I provided them with a sale date for my current home primary residence of XXXX. I did not get approved I am a XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Signed up for the Barclays Carnival credit card on XX/XX/year> while on a cruise. They offered a promotional XXXX  months XXXX  % offer on initial purchase of {$13000.00}. The first month I was not charged any interest but on the XXXX  statement they began to charge interest. I was charged {$180.00} on XX/XX/year>. I contacted the customer service team on XX/XX/year> by calling the toll free number listed on the card. The agent named XXXX reviewed the account and saw that I qualified for the offer. She provided me a case # XXXX and stated it needed to be reviewed by another department and that I would receive a letter in XXXX  days. I asked for an email confirmation but was told they did not have that ability. I received the follow-up letter which stated that additional information was needed. After receipt of letter I called once again and was told the case # had no information listed. The next agent reviewed the account and once again stated the transaction qualified for the financing offer and that an incorrect finance rate was listed on the account. She provided a second case # XXXX and once again stated she needed to have another department review and remedy. She stated once again I would receive a letter in XXXX  days. As of this complaint the finance charge is still listed on the account, I have not received any additional information and the next billing statement will be due shortly. Additionally I have made payments early for the XXXX billing periods and have the third month scheduled early also.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I carefully watch my credit report. I received updates by email and came across these inquires that do not belong to me. I have not applied for any accounts and not sure WHY these accounts are on my consumer report. Send me any documents with my signature on it stating Ive allowed these accounts to report on my consumer report. Please update and remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.