davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

Unfroze my credit report with Experian. I have given it a few days and it is still frozen. I tried to freeze it and in unfreeze it. Still says its frozen. When trying to call a variety of different phone numbers it asked for information and if there is the slightest amount of noise it just says sorry says unable. The one time I was able to advance the phone tree it gave me a link for the website contact information. On the website it says the contact phone number that I just tried. Using XXXX and my mortgage lender we have tried different numbers. When calling I ask talk to someone about my credit freeze being frozen when I unfroze it the phone system responds with sorry and then hangs up on me. Ive spent multiple house over this over multiple days. I am about to lose my closing date on my new home and also burden our title company, realtors, and mortgage lenders.
Consumer complaint received 2024-04-24
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ND)

XX/XX/XXXX Navient forgave my student loan and it was followed up by letter from dept of ed on XXXX  and said I didnt have to repay.. 

My credit report says paid in full no amount due just got phone call from Nebraska XXXX had turned it over to collections date XX/XX/XXXX I sent them a letter no taxable income I on XXXX .. XXXX. Is poverty level.. I just dont understand what going on Why is it not forgiven should be
Consumer complaint received 2024-04-24
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 credit report and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-24
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)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC (WA)

XX/XX/XXXX CFPB - WELLS FARGO XX/XX/XXXX ORDER : RE : Wrongful Foreclosure XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Dear Sir or Ma'am ; Today at XXXX hours I phoned Wells Fargo XXXX & spoke with XXXX. The bank could NOT confirm that I am included in the settlement, does NOT have a list of affected customers to add me too, has NO email I can send this to, and claims it is reviewing all customers are being reviewed and if included a letter will be sent, but they have NO expected end date for this? 

This is unacceptable! 

My home at : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. 
Was wrongfully foreclosed by Wells Fargo on XX/XX/XXXX which is in the period mentioned in the XX/XX/XXXX CFPB XXXX, XXXX XXXX. XXXX l. 

Enclosed : XXXX ) Deed of trust # XXXX, XX/XX/XXXX. 
XXXX ) Deed of Reconveyance # XXXX, XX/XX/XXXX. Wrongful Foreclosure XXXX XXXX ORDER. 
See https : XXXX XXXX ) Trustee deed of trust # XXXX, XXXX. 

Please ensure I get my share of the {>= $1,000,000} for home owners. 

Thanks, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurate. The original creditor is XXXX XXXX XXXX, and the reported company on this account is unknown to me. The reported Balance is higher than my recollection, and I dispute the entire account. I request verification of Date Opened and Date of First Delinquency. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX and a Balance of {$0.00} is inaccurately reported as never late. I kindly request that Experian correct this information to accurately reflect that the account was never late.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reel Time Capital LLC (TN)

Company calling me claiming to be process server. Threatening to file with court and saying a crime was committed. Calling family and work and revealing Info and telling them about filing a court case. No revealing who they are or contact Info.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-24
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 recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX  XXXX.
Consumer complaint received 2023-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute certain inaccuracies present in my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX with Date Opened : XX/XX/XXXX and a Balance of {$0.00} has been inaccurately reported as never late. I kindly request that TransUnion correct this information to accurately reflect that the account was never late. 
Account Identifier : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} The account labeled as XXXX XXXX  XXXX with Date Opened : XX/XX/XXXX has been inaccurately reported with a Balance of {$180.00}. I believe the correct balance is lower. Additionally, the Past Due amount is inappropriate for this closed and charged-off account. I request that this account be marked as disputed while I work on resolving the discrepancy. Furthermore, I require verification of Date Opened, Date of Status, and First Reported. 
Account Identifier : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$0.00} is not mine. I request the removal of this account from my credit report. 
Account Identifier : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4700.00} The account labeled as XXXX XXXX with Date Opened : XX/XX/XXXX and a Balance of {$4700.00} is inaccurate. The original creditor is XXXX XXXX XXXX, but the collection agency reported is incorrect, as I have no contract with them. The reported Balance of {$4700.00} is inaccurate and higher than the High Balance. I dispute the entire account due to these inaccuracies and request verification of Date Opened and Date of First Delinquency. 
Account Identifier : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} The account labeled as XXXX  with Date Opened : XX/XX/XXXX and a Balance of {$1300.00} is inaccurate. The original creditor is XXXX XXXX XXXX, and the reported company on this account is unknown to me. The reported Balance is higher than my recollection, and I dispute the entire account. I request verification of Date Opened and Date of First Delinquency.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over XXXX before it was repossessed in XX/XX/XXXX and hit my credit just XXXX  months shy of the turn in date in XXXX. I requested all original documents from XXXX XXXX and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (CA)

I attempted to make payment online. Online payment system showed error message. Received email stating 7 transactions were initiated. I contacted my bank who says no payment was initiated. I attempted to call and the automated system advises that no representative can speak on issue. I would just like to make a single payment and online help center and phone do not work to resolve issue.
Consumer complaint received 2024-04-24
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. (NV)

I lodged a complaint with these Bureaus a XXXX  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 XXXX 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 2024-04-24
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. (MO)

New Complaint : XXXX XXXX, XXXX **Experian Consumer Reporting** **Violation Notice : Violations of 15 U.S Code 1681s-2** I, XXXX XXXX, am lodging this dispute directly , without any third-party involvement. It has come to my attention that Experian has violated 15 U.S Code 1681s-2, specifically ** ( 1 ) ( A ) **, which prohibits the furnishing of inaccurate consumer information to a consumer reporting agency knowingly or with reasonable cause.

Despite Experian 's prior removal of all XXXX XXXX accounts and inquiries from my profile, they have irresponsibly re-added some. I have consistently denied any ownership of XXXX XXXX accounts. As I have stated before, I am a victim of identity theft and have filed numerous complaints with the FTC and CFPB regarding these accounts.

Here are the details : 1. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 2 . **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX 3. **Report Number** : XXXX - **Date Generated** : XXXX XXXX, XXXX **Account Info** : - **Account Name** : XXXX XXXX - **Account Number** : XXXX - **Account Type** : Business Card - **Responsibility** : Joint - **Date Opened** : XX/XX/XXXX - **Status** : Account charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
- **Status Updated** : XX/XX/XXXX - **Balance** : {$4800.00} - **Balance Updated** : XX/XX/XXXX This violation of 15 U.S Code 1681s-2, as well as other applicable laws including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Billing Act ( FCBA ), and the Fair Debt Collection Practices Act ( FDCPA ), is unacceptable. These laws ensure fair and accurate credit reporting, prevent credit discrimination, safeguard against unfair billing practices, and regulate debt collection.

Experian 's disregard for these laws demands immediate attention and corrective action to rectify this situation.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 usc 1681. 

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  15 usc 1681 section 602 a state i have the right to privacy. 

15 usc 1681 section 204 a section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions. 

15 usc 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am in disagreement with the accounts below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.

All accounts are listed below in the attachment box along with my proper documents, In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I completed before, about that I tried to contact XXXX XXXX at XXXX XXXX XXXX for closing deposit box, and Nobody answered, 2021. On XX/XX/2021, the Chase Executive Office reply me, they told me that I should go to any Chase branch to get an Notary, then sent to Chase XXXX XXXXXXXX XXXX, my deposit Box should be closed. I did so and sent the document to Chase XXXX XXXX  office by XXXX at the same day. After several days, I checked that the mail was delivered by Chase XXXX XXXX branch through XXXX website. From that time, I did not received any information from Chase XXXX XXXXXXXX office. I think the deposit box was closed. All documents was attached for your reference. 
But I received the mail asked me paid {$70.00} renew fee for the deposit box in XXXX and XXXX! I do not know why Chase ask me to pay renew fee after XXXX years. 
All documents was attached for your reference. 
Thank you! 

XXXX XXXX
Consumer complaint received 2024-04-24
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Card Receivables Fund Incorporated (PA)

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an 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 2024-04-22
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. (IL)

I am writing to address the matter of XXXX XXXX and XXXX XXXX, referencing USC 1608, USC 1602, and USC 1681. According to USC 1608, relevant information or rights. Additionally, USC 1602 outlines inaccurate information and change of information.

Furthermore, USC 1681 pertains to [ mention specific provisions or regulations related to the issue ]. It is imperative that we adhere to these statutes to ensure you guy reinvest and show proof of how you verify these accounts.

Please let me know how we can proceed in accordance with these laws to resolve this matter effectively.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.