davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

FOLLOW UP. IT'S BEEN 30 DAYS SINCE I FILE THIS COMPLAINT. UP UNTIL NOW NO RESULTS FROM YOU. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT. 

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX is 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 2024-05-15
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: EQUIFAX, INC. (IL)

I've asked for these accounts to be updated without any late payment remarks being added to my credit report.I consistently make timely payments. I'm certain about this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't be the case. According to USC 1666b, any billing errors should be corrected, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2018-03-28
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: ALLY FINANCIAL INC. (WI)

An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with ALLY Bank were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with XXXX XXXX.
Consumer complaint received 2023-11-09
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. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX  with account number XXXX  is reporting my account on Experian as Foreclosure proceedings started as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

But then they also list the account as 180 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.
Consumer complaint received 2024-05-09
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

Loan company was switched without my consent. PHH mortgage assumed the loan. The first problem is the consumer has no say in who services the loan. THIS IS MY MORTGAGE. I should be able to choose the store front that services this loan. I shouldn't be dragged around to every shitbag mortgage company that wants to make my life XXXX. This is XXXX of those XXXX  operations. XXXX was bad enough. I shouldn't have to relinquish my banking relationships with reliable and good banks ( read XXXX, XXXX, XXXX, etc. ) to get a dirtbag who wants to make a buck on when the payment arrives. This is XXXX of the XXXX  operations. I have barely received the loan information with this new lowlife outfit, and setting up on their unique XXXX website. I am not new to this game. These outfits live to prey on lower income people so they can tag them with fees. This is what CFPB was set up to push back on. I value your organization. Now it needs to go one step further. Stop forcing the American taxpayer to have their loans usurped by conmen like PHH. This loan was made possible by the Fed, which sets the discount window for banks, who then mark it up and loan the money to the taxpayer, who financed the Fed. The loans are then backed by XXXX and XXXX, financed by the US taxpayer, so a government entity, which have been bundled and then can be sold to any swinging XXXX XXXX ( PHH ) to roll in and buy it up. These outfits then nickel and dime the hapless consumer who has no say. We saw this movie with XXXX back in XXXX. XXXX created them to take 'toxic '' loans. Now XXXX outsources theirs to this XXXX outfit. Now along comes PHH, to make my life XXXX, when I would have stayed with XXXX or someone else. I could care less who actually is behind the storefront ( a la XXXX using XXXX ), but I want to choose my bank instead of being dragged around to then be harassed by some XXXX XXXX  outfit. The rub here is I am paying my loan within the generally accepted first XXXX days of the month ( investment home ) when most tenants have to pay their rent. Then this XXXX outfit tags me with a {$30.00} fee out of the gate, for being late. This would never happen at XXXX. So I will be rolling down to XXXX XXXX XXXX 's and XXXX XXXX 's offices to complain about this practice. IN the meantime I want this nickel and dime XXXX rolled up. No more sleazy mortgage companies whose sole purpose is to cashflow their operation on fees that are not good business practice. I never chose PHH and want my say in the process.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WV)

For 18 years now all three credit bureaus XXXX, XXXX, Experian credit bureaus, have continued to deny me my rights to receive my credit report. At least three times a year I've requested it for 18 years Experian gave it to me in XXXX  but the minute I started disputing stuff they locked me out of it again. XXXX just sent me one this year only because of the complaints here and now they're blocking my ability to dispute stuff on my reports. XXXX has still yet to respond to me. I've sent all three credit bureaus copies of my ID and Social Security card notarized signed affidavit of Said copy of my ID and Social Security card. Yet they continue to deny me the rights that they are required by law to give me. Not only are they harming the very natures of my personal livelihood. They are also harming the very natures of my business XXXX XXXX XXXX XXXX Because without a proper and accurate credit report with a good credit score I can't get business funding. They know very well that is truthful, and know exactly what they're doing. As they continue this onslaught of disrespect and blatant violation of the laws CFPB I got to ask you at what point do you send all these complaints to the proper authorities. They are in violation of many laws at this point including my right to accuracy 15 USC 1681. But they just keep laughing like my life is just a joke. OKAY FINE ... I guess it's time to let a JURY decide. I mean really, someone is going to come to the CFPB And complained that they're not getting someone else 's credit report. Everyone else can get it, but I'm not allowed to have access. I sat down with a car salesman and he pulled my credit report right up no problem but me I'm not allowed to see it you continue to refuse me the actual owner of said credit reports, OKAY!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX has my credit card account as being late over 150 days. There are a plethora of inaccuracies on my credit report. Experian has my account as being 150 days delinquent. I have reached out to XXXX XXXX XXXX XXXX many times and no action has been taken. 

Experian : XXXX XXXX- 30 days late XXXX XXXX 60 days late XXXX XXXX90 days late XXXX XXXX- 120 days late XXXX XXXX- 150 days late
Consumer complaint received 2023-11-09
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 appreciate your assistance to recovering a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX  XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX CA XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2024-05-10
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. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-10
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. (TX)

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 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 2023-11-09
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 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 2023-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was not the party that tried to commit theft on my account I in fact reported to them and thought everything would be resolved and they would restore my account, they did the total opposite and just closed my account when I was the victim there was no money token no debt left behind but there hindering me from my future endeavors with the on my report
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I received a bill last week from Mohela. I made a payment on XX/XX/2023 for XXXX. On XXXX I went to my account and it said that there are no payments due from XXXX to XXXX because I am in forbearance while they update my account. I called today XX/XX/2023 to get a refund. They confirmed I am in forbearance until after XXXX but they told me it takes XXXX  days to get a refund. I told her I dont understand how it will take XXXX  months to get a refund and her reply was we are behind and that's the process. She put the request through and we hung up.
Consumer complaint received 2023-11-09
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (NJ)

Kikoff is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to 15 U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (AR)

Have have federal student loans and my load servicer is Aidvantage. I graduated college two months ago. I should still be in the six month grace period. However, Aidvantage set my payments to start less than one month after graduation. I called Federal student aid and they informed me that my status with them is in the six month post graduate deferment and that I would need to get in touch with Aidvantage. I have been trying to call them since the beginning of XXXX. I have waited well over an hour on hold multiple times and many times their phone system hung up on me. The one time I was able to get through to a customer service agent after I told them what was going on, they said One of your loans shows in deferment then they either hung up on me or their phone system cut us off. I have also sent emails to their customer service and have not heard anything back.
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Back in XXXX XXXX Nation Star Mortgage sent me documentation indicating that they were my new mortgage lender. Prior to this I had been working with XXXX XXXX XXXX. I had not been notified that XXXX XXXX XXXX would not be my mortgage lender anymore. XXXX XXXX I entered into a Trial Period agreement with Nation Star. My monthly payments were {$460.00} for 3 months. I made my payments on time. I had paid my monthly payments up to XXXX XXXX. Around the time I was on the trail agreement I contacted Nation Star to inform them that I wanted to do a short-sale on my property. Per the representative I had to be delinquent on my monthly payments. This is when I stopped making my payments. I however did keep in touch with Nation Star & again was told that I was n't delinquent with my loan. Prior to this issue with Nation Star I had been working with XXXX, a mortgage agency in attempt to pay back Nation Star. I filed for XXXX. I was later denied by XXXX due to the fact that I had applied for a short-sale. By XXXX XXXX, XXXX I was laid off from a job that I had been at for almost 8 years. I started a new job in XXXX XXXX. I am currently still working.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.