davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-01
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. (FL)

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.

and list of Inquiries.

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 2023-10-29
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)

Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX. During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process
Consumer complaint received 2023-10-29
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. (WV)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 XXXX XXXX XXXX Requested on XX/XX/23 XXXX XXXX XXXX - Requested on XX/XX/23 XXXX Requested on XXXX XXXX XXXX Requested On XXXX XXXX XXXX XXXX Requested on XX/XX/2XXXX XXXX XXXX Requested On XXXX XXXX XXXXk requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23
Consumer complaint received 2024-02-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I signed this loan with Navient formerly Sallie Mae at XXXX XXXX XXXX, I am XXXX now and still owe the same amount as I did almost twenty years ago. I bring home XXXX every two weeks. That equals XXXX a month. My Rent is XXXX, Car Note XXXX, utilities XXXX, Groceries, gas, misc equal about XXXX. I am nearly in the negative by the end of the month but the only income based repayment amount I can get is XXXX dollars? this company has tried to ruin my life P.S. while I was beating XXXX they gave me no forbearance or break at all even when I called and tried to work out something.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANCORP (PR)

I asked for a moratoriam of payment for three months in the payment after a huracane and they accepted, went to pay and they did not accept the payment. They offered to try for a modification. After several months providing information they denied without much explanation. Now they want to foreclose.
Consumer complaint received 2023-08-28
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. (FL)

This complaint in regards to the inaccurate and unknown things on my credit report as report by 3 Credit Bureaus. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - XXXX XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Public Records being challenged in list form XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-11
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: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address several inaccuracies and violations on my credit report, as well as to reiterate my rights under applicable laws. I believe that the accounts listed below have been inaccurately reported, and I am seeking the immediate removal of these unverified accounts from my credit report : 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 I must emphasize the urgency of addressing these concerns. The inaccuracies and unverified accounts on my credit report have had a profound and distressing impact on my life. The financial strain caused by these errors has affected my ability to secure loans, housing, and even suitable employment opportunities. 

To illustrate the emotional toll, allow me to share a personal story. As I stood before my dream home, the culmination of years of hard work and sacrifice, I was met with the crushing reality of the negative impact these inaccuracies have had on my credit score. The lender 's hesitation, the doubt in their eyes, and the subsequent denial of my mortgage application shattered my aspirations. The weight of these errors has caused sleepless nights, overwhelming stress, and has taken a toll on my physical and mental well-being. 

I implore you to take immediate action to rectify these injustices. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verified information on my credit report. These unverified accounts not only violate my rights but also contribute to a cycle of financial distress that I am struggling to overcome. 

In light of these circumstances, I formally request that you enforce my legal rights under the FCRA and other relevant laws by : Investigating and verifying the accuracy of the disputed accounts. 
Removing any unverified accounts from my credit report. 
Providing me with written documentation of the investigation and resolution. 
I understand the vital role credit reporting agencies play in our financial system, and I trust that you will treat my case with the utmost care and urgency it deserves. 

Thank you for your prompt attention to this matter. I look forward to receiving a written confirmation of the actions taken to rectify these issues within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-26
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. (GA)

Pursuant to the Fair Credit Reporting Act, the list of accounts below have violated my protected consumer rights to privacy and confidentiality under 15 USC 1581 ; 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 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 ) Aperson 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 2024-05-31
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. (GA)

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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, XXXX, and Transunion data breach.
Consumer complaint received 2023-10-29
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. (CA)

XXXX XXXX is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (WA)

On XX/XX/XXXX at XXXXXXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX to make a {$2700.00} payment on my XXXX XXXX XXXX credit card. {$1700.00} of that payment was cash and the remaining {$1000.00} was in the form of a U.S. Bank  check # XXXX. This was transaction number TR # XXXX TE # XXXX. The check was ran through the ACH machine and instantly debited from my checking account. Instead of giving me back the voided check, the store kept the check and then proceeded to deposit an already paid and voided check into their U.S. Bank account in XXXX, WA two days later on XX/XX/XXXX. This was ran through the cash vault in the basement of the bank. So the bank gave the store another {$1000.00} by running an already voided check and it was not applied to my credit card payment. I will also note that somewhere between the store and U.S. Bank in XXXX, that someone or something changed my check number to # XXXX instead of the # XXXX it should have been. This was in the bank 's system, not on the physical check itself. I have opened 3 claims with U.S. Bank and even though they returned the original ACH transaction, this caused XXXX XXXX to also pull back my {$1000.00} payment and hold me responsible for the interest on that {$1000.00} since XX/XX/XXXX. I tried several times over two weeks to speak with the store XXXX, XXXX XXXX, both in person and by phone and she tried everything to avoid talking to me until I threatened her with the police and a lawsuit. I did file a report with the XXXX Police on XX/XX/XXXX, Case # XXXX and am currently searching out an attorney for this matter. I have opened a fourth fraud case with U.S. Bank on XX/XX/XXXX, Case # XXXX and have checked weekly on it with no progress.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to you regarding discrepancies I have found on my credit report. 

Account : XXXX XXXX Account # XXXX Why is this account being reported with 2 different dates of last activity?

15 USC 1692 g validation of debt This account is written off as a charge off. This account is ran as a charge off and I have not received a 1099c cancellation of debt form. This account is inaccurate and is being reported on my credit report. 
I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account high balance and nor do I recognize the late payment associated with it everything reported here does not meet the FCRA. The negative item does not meet the FCRA reporting requirements. I do not understand why this item is being reported when I did not give written consent to share my information. 
This agency is in violation of 15 USC 1692g. they were also to notify me in writing 5 days prior, I was not notified.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

My Experian Report has 3 different variations of my name and only ONE is correct. Please removed : XXXX XXXX XXXX and XXXX XXXX XXXX off of my credit report. 
Account for XXXX XXXX XXXX has been deleted from my XXXX Credit Report and should reflect the same information on my other reports. Update XXXX XXXX XXXX immediately to Paid as Agreed OR Delete, completely. 

Pursuant to 15 USC 1681- Congressional Findings and Statement of Purpose, states that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-12-25
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)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!