davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. 

Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. 

I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. 

I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. 

I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section XXXX of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA
Consumer complaint received 2023-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

My mortgage was bought by Wells Fargo in XXXX to XXXX they raise my interest rate up to 30 % without my consent I got billed for payments with a higher percentage rate and cost. I refinanced my loan with XXXX XXXX XXXX XXXX 3.8 % to get out of the Wells Fargo loan. Im filing my complaint to get my money back plus any interest they made off of my money and any penalties and fines that I qualify for. I was only paying 5 % interest rate on my loan that I got from guaranteed rate mortgage lenders before they sold my loan to Wells Fargo without my consent. I did not agree to ever pay 30 % interest rate on my mortgage. Wells Fargo claimed I was on a scale to pay 30 % going down to 1 % over the course of the loan for 30 years, they were ensuring that I front loaded their profits out of my pocket by charging me absorbent amount of interest rates. I was struggling to make the payments and thought I was going to lose the house because a lot of stress and XXXX  and sleeplessness. My mortgage went from {$1200.00} per month to {$1300.00} per month
Consumer complaint received 2024-05-08
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. (PA)

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 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have a mortgage that is serviced by Nationstar Mortgage. I requested a payoff quote from the company through XXXX/XXXX/2016, but they quoted me a payoff through XXXX/XXXX/2016. When I asked why they were charging me an extra 24 days worth of interest, they informed me that this was their standard practice, and that any overages would be sent back to me within 20 business days. My per diem interest rate is {$22.00} per day, which will result in an overage of {$530.00} ( {$22.00} x 24 days ). The sale of the property that collateralizes the loan will be finalized as of XXXX today ( XXXX/XXXX/2016 ), so the payoff request through XXXX/XXXX/16 is conservative, and already includes a cushion for any timing delays. When I provided this information to the representative that I spoke with ( XXXX ), he claimed that the practice of charging overages and refunding within 20 days is allowable under RESPA. 

I am filing this complaint because it does not seem right to me that the Lender is charging me for funds that the know full well will have to be refunded to me anyway.
Consumer complaint received 2024-05-13
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. (MD)

XXXX XXXX shows my score dropped when an improper collection was removed. Thus should have been a increase credit score not a drop. 

Also, two hard hits were removed which should reflect positively, but did not. Instead, my score was severely dropped. 

I never gave authority to the company XXXX to do a hard hit on my report.
Consumer complaint received 2024-05-08
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-05-02
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX FRAUDULEND ACCOUNT. EQUIFAX WAS NOTIFIED ON XX/XX/2022 THAT ACCOUNT DELETED FROM XXXX FOR FRAUD. SINCE THEN I HAVE REPORTED THIS ACCOUNT AS FRAUD/IDENTY THEFT ONCE A MONTH. THIS ACCOUNT IS REPORTING AS ORIGINAL CREDITOR, LATE/COLLECTIONS/INSTALLMENT/SOLD/TRANSFERRED AND PAID. NOW SHOWING A XXXX BALANCE NEGATIVE ACCOUNT WITH {$450.00} PAID ON A {$5800.00} STUDENT LOAN. I HAVE PROVIDED ID THEFT REPORTS FROM FTC POLICE REPORTS, ORIGINAL CONTRACT, PROOF OF REVERSAL OF PAYMENTD FROM BANK AS FRAUD, ID, SS #, PROOF OF RESIDENCE, FRADLENT PAYMENT HISTORY FROM XXXX XXXX STATING XXXX DOLLARS IN PAYMENTS, ORIGINAL CREDITOR IS XXXX XXXXXXXX XXXX  WHICH HAS BEEN PROVIDED TO EQIFAX. LAST CONVERSATION I WAS TOLD I NEED TO PROVIDE BACK OF DRIVERS LICENSE AND AN ATTY LETTER. THIS FINANCE COMPANY IS USING EQUIFAX TO EXTORT FUNDS I DO NOT OWE TO RUIN MY CREDIT AND EQUIFAX VERIFIED INCORRECT AND FRAUD XXXX XXXX TO REMOVE UNLESS XXXX XXXX TELLS THEM TO. 
EQIFAX REFUSED TO DO AN INVESTIGATION AND REFUSAL TO ACCEPT ID THEFT REPORT WITHOUT NOTIFICATION OR EXPLAINATION. ID THEFT DISPUTE SUBMITTED 7 TIMES WITH ALL REQUIRED DOCUMENTATION AND REPORTS. EQUIFAX STATES MONTH AFTER MONTH THEY ARE FAKE
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

XX/XX/23 I spoke with XXXX ID # XXXX a representative from Equifax about a block being on my credit file that I did not authorize. Prior to this conversation I was told by an Equifax representative that they had no credit file on me. With all this being said someone is not being truthful. This is causing me grave harm. My bank has not been able to pull my credit report due to this issue! I demand to be remedied for this situation. I am the consumer and I only have the right to block this file! NOT EQUIFAX!
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (TX)

THIS HARD INQUIRIES DON'T BELONG TO ME, HASN'T BEING AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-08
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. (CT)

I recently reviewed again my XXXX, Experian and XXXX credit reports 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. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-07-30
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. (TX)

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX - Loss of productivity and time : $ XXXX  - Emotional distress and inconvenience : $ XXXX  2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-23
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. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly XXXX XXXX XXXX  XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. XXXX attention to these inaccuracies is required as they are causing significant distress and potential financial harm.
Consumer complaint received 2024-05-08
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-30
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balanced {$9900.00}
Consumer complaint received 2024-07-30
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 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 2023-09-11
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. (AZ)

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. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. '' Account name : 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 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 2023-12-05
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: EQUIFAX, INC. (KS)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2023-03-22
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: SUN LOAN COMPANY INC. (TX)

I am a victim of identity theft and it is on my credit report i went to look at my report and i have this inquiry on my report that i have no knowledge of at all that i did not do. 
XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-07-30
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. (LA)

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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Hi Madam/Sir This Complaint are against TransUnion. I had pull a Credit Report and noticed that ; 1 - TU records show XXXXXXXX XXXX XXXX XXXX ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an XXXX XXXX on XXXX by XXXX XXXX  based on information from TU, " XXXX proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the TransUnion representative should always read and share the correct information on records to XXXX XXXX or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against TransUnion, one thing I wish are XXXX to become more careful sharing information. 

Sincerely XXXX