davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (IL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that XXXX will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

Subject : Response to Dispute Case Number : XXXX Internal Reference : XXXX Dear XXXX XXXX , I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt associated with XXXX XXXX XXXX 

First and foremost, I must reiterate that you have failed to comply with my rights under the Fair Debt Collection Practices Act ( FDCPA ). According to U.S. Code 1692g ( a ), a debt collector is required to send a written notice to the consumer containing the following information within five days of the initial communication : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed. 

To date, I have not received any such notice. I challenge your assertion that the initial notification was mailed to my address in XX/XX/year>. If you claim this was done, I demand proof of mailing and receipt of this notice at the address provided in this complaint. I understand that certified mail isn't required, but showing proof it was mailed is in court. 

Furthermore, I dispute the validity of this alleged debt. The apartments you are referring to, " XXXX XXXX XXXX, '' do not exist, and as far as I am concerned, this debt does not belong to me. Your companys attempt to collect on a non-existent debt is a clear violation of my rights. 

Given these circumstances, I demand immediately removing this invalid debt from my credit report. Additionally, I request that all further communications from your company cease immediately. This includes reporting. Should you fail to comply with this request, I will have no choice but to pursue legal action against XXXX XXXX XXXX for violations of the FDCPA in federal court. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I am selling my coop at XXXX XXXX XXXX XXXX, XXXX. The buyers have already been approved and all parties are ready to go to the closing table with the exception of my bank who holds the coop 's mortgage, Mr. Cooper ( formerly Nationstar ). In mid-XX/XX/XXXX my lawyer, XXXX XXXX, informed Mr. Cooper that the coop 's stock certificate would need to be presented at the closing. Mr. Cooper took absolutely no action for nine ( 9 ) weeks. After additional prodding from my lawyer, they handed the issue to their lawyers, XXXX XXXX XXXX XXXX XXXX XXXX. 

The law firm told my lawyer they would have the document available and ready for closing in 4 to 6 weeks. Six ( 6 ) weeks has now passed and they still have no document to produce at closing. Closing is ready to go but can not proceed without this document. The coop is costing me a significant amount of money each week it sits empty. The buyers are anxious to occupy the coop to set it up prior to the birth of their child. Everything is being held up because Mr. Cooper can not produce the stock certificate. 

It has now been a total fifteen ( 15 ) weeks that Mr. Cooper or their lawyers have failed to produce the required document. 

I have attached a letter my attorney sent to XXXX XXXX ... on X/XX/18 that summarizes the situation. I have also attached a copy of a recent mortgage statement showing the mortgage account number, etc.
Consumer complaint received 2024-05-03
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. (TX)

I am writing to provide a follow-up on my previous attempts to remove fraudulent items from my credit report. Despite my several efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

This ongoing issue has caused significant distress and uncertainty. It is crucial that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (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. 

Dept of EducationXXXX has all 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 2024-05-03
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 recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-03
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. (FL)

I've consistently made sure payments on this account are on time, never allowing them to be overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be rectified.
Consumer complaint received 2024-05-03
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-03
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 believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly verify the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (TX)

Despite my previous attempts and your assurances, the fraudulent items have not yet been removed from my credit report. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit file. These inaccuracies not only damage my credit history but also pose a significant risk to my financial stability and reputation. 

Furthermore, I request transparency regarding the progress of your investigation into these fraudulent entries and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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, TX XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year> around XXXX, I made a cash payment of {$1800.00} at Chase bank drive thru atm machine located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. In the process of the machine counting my money. The atm machine crashed and restart its system taking my money and not giving me any type of receipt. I then panic and walked to the drive thru window asking a white male employee for help. He assure me that this happens sometime and not to worry as the machine will have my money and not spit out my money to the next car driving up. He told me to come inside the branch. I came inside the bank and was helped by an XXXX American employee. He then called Chase on the telephone because he said no one in the bank can open the atm machine. The employee must had mistaken the amount I told him because he claimed the amount on the phone was {$1700.00} and it was suppose to be {$1800.00}. Anyways, I got a temporary credit of the amount but now it has been over a month and they reversed the credit saying they didnt see my cash payment. I told them to check the camera and audit the atm machine. I will not have my hard working money stolen from Chase.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX advertised through various spokespersons that they changed their policy and would no longer report business XXXX XXXX cards to customers ' personal credit reports. I obtained this card only because of this promise. When I saw that the card did show up on my personal credit report, I closed the card and asked XXXX XXXX to remove it because it shouldn't have been there in the first place. XXXX XXXX refused to do that. I am attaching my letter to them and their response. Please notice that XXXX XXXX completely ignored the issue that I wrote about, and I hope that you will not let them continue to do that. I would like XXXX XXXX to explain, in great detail, the discrepancy between what their spokesperson said and what they actually did, with particular attention paid to every point in my letter. 

I have shared all of this information about XXXX XXXX 's deception with Experian multiple times, but Experian does not care about this deception. They say that if XXXX XXXX does not want to remove the card, Experian will not either.
Consumer complaint received 2024-05-03
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is showing late payments on XXXX XXXX & XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2024-05-03
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. (NY)

I am writing to bring to your attention an ongoing issue regarding an account dispute that I recently addressed with your company. 
I filed a dispute with XXXX, XXXX And Experian regarding account 's that was inaccurately reported on my credit report. XXXX XXXX XXXX and also XXXX XXXX. XXXX determined that the account 's was indeed erroneous and promptly deleted it from my credit report. I appreciate XXXX 's prompt action in resolving this matter. 
However, despite XXXX 's acknowledgment and deletion of the disputed account 's, I am disappointed to still see the same account 's remain on my credit report with Experian and XXXX. This inconsistency among the credit reporting agencies is not only concerning but also detrimental to my XXXX XXXX and financial well-being. 
I have attached documentation from XXXX confirming the deletion of the disputed account for your reference. I kindly request that Experian and XXXX take immediate action to investigate this matter and remove the erroneous account from my credit reports. 
I understand that errors can occur in credit reporting, but it is imperative that all credit reporting agencies maintain accurate and up-to-date information to ensure the fairness and integrity of the credit reporting system. I trust that Experian and XXXX will address this issue promptly and make the necessary corrections to my credit reports.
Consumer complaint received 2024-06-05
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. (TX)

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. In my correspondence, I listed the specific accounts in question and detailed the violations they were making to my consumer report. It has been over 30 days since I sent these disputes, and I have not received any response from any of the credit reporting agencies. I am attaching copies of all the letters I sent below for your reference.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Experian to have the items fixed on XX/XX/year> and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 
The information about my name is not reported accurately. 
My current address is not listed accurately.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The following Accounts were paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C : XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX  XXXX XXXX account number XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Timely payments are my standard practice. I'm certain of this. However, I'm perplexed by the sporadic late reporting from this company. As per USC 1666b, any inaccuracies in billing should promptly be addressed and reflected accurately on my payment record.
Consumer complaint received 2024-05-03
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. (LA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I reviewed my credit report in XX/XX/year> and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After two letters were sent ( in XX/XX/year> and XX/XX/year> ) the information remains incorrect in my reports. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. Thank you for your understanding and prompt action.