davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern at Experian, XXXX and XXXX, I am writing to express my deep concern over Experian, XXXX, XXXX furthermore known as " the XXXX bureaus '' failure to investigate my mailed-in disputes, resulting in a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have received a response letter from " the XXXX bureaus '' indicating that my mailed-in dispute request " does not appear to have been sent directly by [ me ] or to be authorized by [ me ], '' which is not only inaccurate but also constitutes a failure to investigate my disputes as required by the FCRA. 
Let me be clear : I have never used a credit repair company or any third party to submit disputes on my behalf. I am the sole author and sender of each dispute I submit to " the XXXX bureaus '', and I have provided notarized documentation along with identification to prove my identity. There should be no ambiguity regarding the legitimacy of my mailed-in disputes. 
According to FCRA 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their credit report, the credit reporting agency must conduct a free reinvestigation to determine whether the disputed information is inaccurate. " The XXXX bureaus '' refusal to investigate my mailed-in disputes on the grounds that they " do not appear to have been sent directly by [ me ] '' is a clear violation of this provision. 
" The XXXX bureaus '' ongoing practice of sending letters that delay the investigation process by questioning the authenticity of my disputes is unacceptable and constitutes a significant breach of my rights under the FCRA. By failing to conduct a timely and thorough investigation into my disputes, " the XXXX bureaus '' is causing unnecessary delays, which impacts my creditworthiness and financial well-being. 
I demand that " the XXXX bureaus '' promptly address this issue by : 1. Opening and investigating every mailed-in dispute that I submit upon receipt.

2. Stopping the practice of sending letters that question the legitimacy of my disputes without valid grounds.

3. Complying with FCRA regulations that mandate the investigation of disputes submitted by consumers. 
If " the XXXX bureaus '' fails to comply with these demands and continues to violate my rights under the FCRA, I will take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies to enforce my rights. 
Thank you for your immediate attention to this matter. I expect a response confirming that " the XXXX bureaus '' has corrected its practices and will properly investigate my mailed-in disputes in accordance with FCRA requirements. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodi
c statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CT)

I submitted a claim against synchrony bank ( CareCredit ) in XXXX because of false advertising on their interest promotion which resulted in a high amount of deferred interest on my card which could have been avoided if I was informed properly of the interest plan. 

finally got a reply from their corporate office from XXXX XXXX a month or two ago. She ignored my voicemail for two weeks then I finally got a customer support manager to force her on the phone. She listened to issue and said she would review the interest on my account and per the only resolution I agreed to pay the premium due once the review was done so I could clear the deferred interest. 

That was due XX/XX/year>. Its been three weeks since Ive heard from her to get this resolved l, so the timeline to fix the issue has passed. Ive left four or more voicemails, called their call center many times, and escalated the issue. I still have no help. I need to get this resolved as its been five months of issues with this company since my first request.
Consumer complaint received 2023-02-18
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. (CA)

I am reviewing my credit report after my complaint last XX/XX/XXXX, and it seems like the items I disputed were still in my file, I need these items removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX The name and addresses above are inaccurate, The status is incorrect for the following accounts Please remove them from my credit report.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (GA)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 : XXXX - XXXX XXXX - XXXX incorrect address - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Subject : Request for Validation of Incorrect Information XXXX XXXX XXXX XXXX  Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX  regarding my account ( Account # : XXXX ). I have reviewed my credit reports from XXXX, Experian, and XXXX, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for Experian and XXXX ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for Experian and XXXX ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments. 

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing. 

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute.

I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (CT)

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, CT XXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX, MA XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX  MA XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXXXXXX 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

Banco Popular started foreclosure without notifying us the account was even past due. In XX/XX/year> we found that there were checks that hadn't been cashed. When I called Banco Popular they told me that they did received some of the checks and were in their possession but were not cashed, after that I asked for an investigation and asked them if I could send them a new check for the amount required and put a stop payment on those checks because I did not know what was going to happen with those checks, they told me to wait until the investigation was finished because any check I send during that time will be put on Hold and not be cashed. After about 4 months no results of the investigation were going on ( I was calling monthly for an update ) we went to XXXX XXXX in XXXX and visited the Banco Popular ( it was XXXX XXXXXXXX season and they only allowed a limited number of people inside the bank ) there I tried to pay again but the girl in charge of mortgages told me that she could not accept the payment because of the investigation on course but she could contact someone who XXXX help me. Finally by XX/XX/year>, we paid all the passed due and were told it would not affect our credit, and it has. It has been affecting my credit and its still showing " Foreclosure Started '', instead of showing a reinstated. We've always had the money and could even show proof that it was in the account.
Consumer complaint received 2024-05-06
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. (MN)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-06
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. (LA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-07-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-06
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  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (TX)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-08-10
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. (AZ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. XXXX
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CO)

In XXXX I feel for a scam that has to do with XXXX XXXX. I clicked on the top result on XXXX and filled out my form and credit card info. The fee was {$250.00}. I thought that was a bit high, but then I filled out my boyfriends form and he entered his credit card and immediately got a fraud alert from his bank XXXX. I thought that was weird. Then looked more into it. Its because it IS a fraud company. So his bank blocked the charge. US Bank didnt even warn me. XXXX XXXX costs {$100.00}. This company is just taking peoples money to apply for them, while having the passport, the drivers license, the credit card. I immediately called US Bank after it happened, and assumed it would be resolved pretty quickly as it was on a credit card too and theyre obviously a scam, especially if XXXX caught it. I waited a few weeks and saw they gave the money to the scam company. This scam company changed their business name within that 3 week period. Is that not a huge red flag? When it said why they sided with that company, its because they never received my response. I called them and of course the agent was super rude, because everyone who works here treats you like XXXX XXXX XXXXXXXX for caring about YOUR money that THEY ARE HOLDING. The agent said its because I never filled out the paper work they sent me. I never received ANY paper work in the mail. The only letter I got from them was a you lost, scam company wins letter. Seriously? Why cant this be done digitally? Because they dont want to deal with it. They want to make it as hard as possible to get YOUR money back. I am extremely fed up with US Bank, I already closed all my accounts, but this dispute thing I would like to have resolved.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

Mr. Cooper sold my loan to XXXX XX/XX/XXXX. At that time they owed me {$200.00} and I was told it was being mailed. I never received. Mr. Copper stopped taking my calls and told me the payments were to be made by XXXX. XXXX stated Mr. Cooper did not give them the money to give to me. 

XX/XX/XXXX Mr., Cooper acknowledge by phone they had not sent me the funds and that they also owe me an additional {$2100.00} and {$150.00}. 

I am not able to get a human on the line to follow up on the statement that these checks would be mailed. I have not received and their phone tree gives limited options none are to speak to a human or to follow up on complaints. 

I am locked out of seeing old documents therefore I can not provide the back up needed.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (SC)

I paid of my HELOC loan ( not closed the account paid of the balance ) on XX/XX/XXXX and XX/XX/XXXX. The intent was to pay off the balance and not close the HELOC line of credit. I was told to monitor the account to see if any charges show up and i can pay it off and i don't need to pay anything else. I was monitoring the account and i didn't see any charges on my account am attaching the statement balance for XXXX and XXXX. Suddenly they accessed me for a late charge in XXXX and reported credit bureau my account is past due which has impacted my credit score a lot. It has gone down from XXXX to XXXX. I contacted them but no one picks up the call left them a voice mail, sent them email no one responded back yet so am filing a compliant. 

Note : I paid off the balance on XX/XX/XXXX after I learnt that I had a balance due for {$100.00} and the statements never mentioned about any balance due Documents Attached : XXXX : Statement for XXXX XXXX : Statement for XXXXXXXX XXXX : Snapshot from my online Portal Please feel free to let me know if you need any other documentations