davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2022-11-25
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. (MN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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.
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have had disputed this account earlier and the account is nit mine. This is illegal to report this account again on my credit report since it was never belong to me. I have a good standing credit history and I always pay all my accounts on time. 
You re the only XXXX bureau who reporting this negative information. Another XXXX bureaus are clean ant positive! This is not legal XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX date opened XX/XX/2023 There is no way it was opened at this time and I have never had any service with them. By the law you cant report any accounts if its not mine.
Consumer complaint received 2023-09-23
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)

back in XXXX and XXXX The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..
Consumer complaint received 2023-05-20
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. (FL)

I have asked XXXXXXXX XXXX  to verify this debt on my account since XXXX of 2023. An investigation was started on XXXX XXXX, 2023. XXXX XXXX has still refused to handle this issue. They have disregarded every right I have as a consumer. My mext steps will be legal action. The debt was deleted from my XXXX report but still remains on my Equifax and XXXX reports. Please view attachments from prior investigation. It has been over 30 and there has been no resolve to my issue yet they keep updating this account on my credit report. IF THIS ACCOUNT IS NOT DELETED IMMEDIATELY I WILL BE TAKING THIS TO COURT. 

1006.34 Notice for validation of debts.

15 U.S. Code 1692g - Validation of debts
Consumer complaint received 2024-05-20
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. (MO)

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 2024-05-20
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 respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit report and i notice there is unauthorized credit inquiries made by the companies listed I never authorized and for no legitimate business purposes. This constitutes a violation of my rights under the fair credit reporting act 604 as well as violation of my rights to privacy.
Consumer complaint received 2024-05-20
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. (NM)

I am writing to formally dispute the accuracy of a charge-off reported by XXXX XXXX XXXX XXXX on my credit report. The account in question is account number XXXX. I believe this information is inaccurate and incomplete for the following reasons : Upon reviewing my credit report, I noticed discrepancies in the reporting of the charge-off. The reported date of the charge-off, the account balance, and other related information appear to be incorrect. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete. 

The balance reported by XXXX XXXX XXXX XXXX does not accurately reflect the actual amount owed. This inaccuracy may stem from incorrect calculations, fees, or interest charges that were improperly applied. I request that the account balance be thoroughly reviewed and corrected. 

I have previously requested validation of this debt from [ XXXX XXXX XXXX XXXXXXXX XXXX but to date, I have not received adequate documentation proving that this debt is valid and that I am responsible for it. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of any debt reported on my credit report. 

The circumstances leading to the charge-off were exceptional and involved situations beyond my control. Despite my efforts to communicate with XXXX XXXXXXXX XXXX XXXXXXXX to resolve the matter, they failed to offer any assistance or reasonable accommodation. This reflects unfair reporting practices that have unjustly impacted my credit score. 

Based on the points outlined above, I request an immediate investigation into the accuracy and completeness of this charge-off entry. If the information can not be verified or is found to be incorrect, I request that it be promptly removed from my credit report. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report as a result of this dispute, I request that updated copies of my credit report be sent to me. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and confirmation that this inaccurate entry has been addressed.
Consumer complaint received 2019-06-23
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. (NY)

in retaliation for me reporting Experian to this agency the ftc and attorney general, they have illegally reinstated six ( 6 ) accounts that were deleted from my credit file on XX/XX/XXXX, XXXX two ( 2 ) of which were identity theft items, that were proven to be fraudulent. on XX/XX/2019 i notified experian that they were the only credit bureau reporting accounts that were supposed to be deleted from my file. these accounts were paid in full and were no longer being reported by the creditors. not only is experian reporting these accounts, they are being reported as charged off, not paid and with a balance due.when i called experian they stated that it was due to a RE-INVESTIGATION, that i requested. why would i request a re-investigation if the file was deleted as a result of my original dispute. this has resulted in my credit score decreasing by 27 points. and once again i have been denied  housing. Experian had no reason to launch a new investigation and then lie stating that i requested.i am XXXX and my husband is a XXXX veteran. we are dealing with numerous physical medical issues. this is harassment and bullying on Experians part.the following items were deleted from my file ; XXXX XXXX ( fraud ), XXXX ( fraud ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ), XXXX ( paid in full ) & XXXX ( paid in full ). all of these accounts were paid in full in XXXX. and were to be deleted from my credit file as per the creditor. i have reached out to all of them and they have stated that they are no longer reporting and have kept their agreement to delete the files. XXXX  and XXXX-XXXX are not reporting these accounts. experian is also reporting these accounts as of XX/XX/2019 to remain on credit file until XXXX which is also illegal.
Consumer complaint received 2019-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

Rocket Mortgage escrows for my homeowners insurance. They have not paid the insurance and it is being cancelled. I notified them and the insurance company billed them. They do not pay the escrows timely.. 

They do promptly credit mortgage payments to the account. They cash checks but to do not credit account. 

I have sent them faxes and emails but they do not respond.
Consumer complaint received 2023-11-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MI)

I'm 30 days late on my XXXX Payment. Life happens. But everything is ok. I'm trying to login to my account and, my login information is 100 % CORRECT. I haven't changed it since the mortgage started. 

But when I login, it says " Page Doesn't Exist '' and when I try to connect to a customer service representative on the phone, the automated prompt says it doesnt recognize my SSN or my Loan Number.

And talking to an actual person is IMPOSSIBLE. The automated phone service just kicks you off and says " Call back when you have the required information '' I HAVE THE REQUIRED INFORMATION, YOUR SYSTEM JUST GOT HACKED AND NOW ITS ALL MESSED UP AND YOU REFUSE TO MAKE IT EASY FOR YOUR CUSTOMERS TO TALK TO A LIVE PERSON WHO CAN HELP.

Oh my god. This is so frustrating. I don't want to lose my house.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your urgent attention the fraudulent personal information that has been associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have been a victim of identity theft, and I have already reported this incident to the proper authorities. 

This fraudulent information has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your full cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence, and if required, I am ready to take legal action to protect my rights and seek appropriate compensation.
Consumer complaint received 2024-05-20
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)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX  - XXXX {$6400.00} XXXX - XXXX {$790.00} XXXX  - XXXX {$12000.00} XXXX - XXXX {$510.00} XXXX  - XXXX
Consumer complaint received 2024-05-20
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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-07-09
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. (GA)

This is to follow up and I am sending my CFPB Complaint to inform you that the 2 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-23
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. (VA)

This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has 0 dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (VA)

Refiling a compliant for an unresolved issue : Hello - On XX/XX/XXXX, I sent a check via bill pay to a XXXX XXXX in the amount of {$1500.00}. The check was delivered on XX/XX/XXXX. Based on the proof of payment from the Bank, the check cleared on XX/XX/XXXX. The XXXX XXXX notified me that they did not deposit the check and it may have been stolen. We looked at historic deposits by the church and the XXXX typically endorses the check prior to depositing the check. I called the Bank to understand where the check was cashed and why the check was allowed to clear without proper endorsement. When I called the customer service line, I was transferred to XXXX different representatives, including a sr. escalation representative, and a XXXX XXXX representative / supervisor. They all could not provide where the check was cashed and why the check was allowed to clear without any endorsement. I filed a claim and the claim was subsequently closed with an explanation that the check was sent to the right address. Also, there was no investigation performed by the Bank. Thank you.
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (NY)

About 6 months ago, this SST systems and services technology took over SST credit card services and contacted me to make payment agreement to pay balance off. We agreed no interest of any kind as long as I paid XXXX monthly for 2 years. I have been making XXXX payment monthly for past 6 months and I just noticed on my current statement they have been charging me a interest fee which was not part of agreement. Also on current statement it shows last months balance at XXXX with payment made XXXX and interest of XXXX then shows new balance as XXXX. However if you do the math XXXX minus XXXX minus XXXX equals XXXX therefore XXXX is missing. They have been doing this on past statements as well. XXXX XXXX XXXX months is XXXX that has vanished in thin air, that should be reflected in my new balance. When I called to question this missing money I was told that no interest agreement was with another company ( which it wasn't ) and the interest amount was much higher on their computer than what the statement they mail me is. Very disturbing by the poor business practices of this company. Also no statements or mailing from SST contain a website address or a phone number listed, I had to request the help of my son to track down a contact number online in order to speak to someone. This raises a red flag that this company is using unscrupulous tactics to maneuver and take advantage of XXXX like myself.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I am a lawyer. Our law firm was holding {$390000.00} in trust for a client ( I will call him XXXX XXXX for the purposes of this report ) and planning to wire him money. I had been corresponding via email with my client about this money. On Friday, XX/XX/year>, I received an email from a fraudster who had spoofed XXXX XXXX XXXX email, requesting that the money be wired to a bank account at Fifth Third. I thought this email was from my client. The frauster 's email attached a letter on Fifth Third letter head with my client 's name, address, and what was supposed to be his bank account information. 

I wired {$390000.00} to a bank account at Fifth Third, listing my clients full name as the account holder and listing his address. Fifth Third accepted the wire transfer. On Wednesday XX/XX/year> ( 3 business days after the transfer ), as soon as we understood what happened, we alerted XXXX, which alerted Fifth Third that same day. A recall of the funds was unsuccessful. 

My client XXXX XXXX went to Fifth Third to see why there was a bank account in his name, and attempted to withdraw the money himself. Fifth Third told him it did not have a bank account in his name. 

We have since been informed by law enforcement that the money was moved from Fifth Third to banks in XXXX XXXX and XXXX. 

FIFTH THIRD 'S ERROR : Fifth Third accepted a wire intended for XXXX XXXX, even though the name on the bank account was not " XXXX XXXX. '' It should have rejected the wire transfer. See UCC 4A-207 ( misdescription of beneficiary ) ; OCGA 11-4A-207 ( same ). 

We have asked it to refund our money. It has refused to provide any information at all to us. The bank that we initiated the transfer from ( XXXX ) has requested the money be returned. Fifth Third requested a " hold harmless letter '' on XX/XX/year>. It has since given neither XXXX nor our law firm any response at all.