davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX VERIFY - XX/XX/XXXX RESIDENT VERIFY - XX/XX/XXXX
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (PR)

Mrs. XXXX XXXX XXXX service does not work. They write letters to me indicating that she is going to call me and has never contacted me. It takes too long to answer inquiries at the CFPB and she doesn't know how to explain anything. The service is very poor. These rascals dont complete their job, they are charging me for fraudulent transactions witouth sustainable evidence of investigations results.
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. (NJ)

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 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. (NC)

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

Additionally, it is critical to highlight that both accounts were written off and reported as income through 1099 forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.
Consumer complaint received 2024-05-08
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. (NY)

I would like to dispute 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. 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 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PR)

XX/XX/2020 THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00} AVAILABLE CREDIT LIMIT {$15.00} ANOTHER REPEATED DISCRIMINATORY PRACTICE WITH THIS BANK. CITIBANK APPARENTLY LIKES TO DO THIS PRACTICE TO HARM THE CREDIT OF THEIR CLIENTS CONSECUTIVELY. THIS ACCOUNT HAS NEVER BEEN OVERDUE MUCH LESS THE USE EXCEEDED 50 % NOW MY CREDIT IS AFFECTED BY THIS NEGLIGENT PRACTICE OF THIS INSTITUTION. THIS AGGRAVATES MY HEALTH SINCE I HAVE WORKED SO THAT MY CREDIT IS A STABLE ONE AND THESE PEOPLE WITHOUT PRIOR NOTICE LOWER THE CREDIT LIMIT TO AFFECT THEIR CLIENTS. WHAT'S MORE, YOUR EMPLOYEES DON'T KNOW THE REASON WHY THIS HAPPENED, I KNOW THAT CITIBANK HAS EVERY RIGHT TO SEE MY HISTORY AND IT HAS MORE WEIGHT THAN MY HISTORY, THERE IS NOT A SINGLE DELAY IN ALL MY LINES AND IF THERE ARE TWO ACCOUNTS WITH OTHRT INSTITUTIONS THAT ARE HIGH BECAUSE I HAD XXXX XXXX AND I PAID FOR MY TREATMENT THAN THESE OTHER ENTITIES, WICH IS IRRELEVANT, BUT I WILL MENTION THAT EVEN THESE TWO INSTITUTIONS HAVE NOT DONE THIS DAMAGE TO MY CREDIT AND CITIBANK, WHICH ARE FOR THE END OF LOW LINES DO THIS PRACTICE.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me
Consumer complaint received 2023-05-25
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: Resurgent Capital Services L.P. (FL)

This is a fraud claim against a dental firm. Their office burnt down and one of the owners stole all the insurance money in which I never received the XXXX XXXX XXXX and they made a FALSE CLAIM for a collection of @ XXXX - I NEVER RECIEVED THESE SERVICES. Not only that, she also didnt distribute any of the insurance proceeds to any employees and fired them! The false claim was reported to the credit bureaus by XXXX XXXX XXXX, XXXX. Now located at- XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Resugent collection refuses to provide any records of any services THAT WERE NOT RENDERED.
Consumer complaint received 2016-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I lost my job in JuIy 2012 when I became fully XXXX and could not work. Over the course of the next two and a half to three years I went through the XXXX process with both the VA and Social Security, ultimately being approved as XXXX by both. Over the course of the application process, I was unable to pay my mortgage. My mortgage was ultimately bought by or transferred to NationStar Mortgage. After approval for XXXX by the VA and SSA, I got a mortgage modification with NationStar Mortgage after my approval from the two agencies. In addition to the mortgage amount, they added on a final payment of approximately {$66000.00}. This essentially still leaves me underwater in my mortgage. At the time I did n't feel like I had any choice, because my credit had been damaged. I think this is ridiculous since the issue was caused by an issue beyond my control. I will pay all of the interest associated with my modified mortgage amount. I do not feel it is fair to also have to pay past interest.
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. (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 2024-05-08
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. (PA)

Hello, I am reaching out to address the following incorrect information provided below. The items listed on this letter have been falsely reported to my credit reports. The accounts listed are incorrect and Id like them to be removed due to the inaccuracies. I am a victim of Identity theft and the accounts listed below are unrecognizable reports. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the items listed below that are reported in my credit reports. Please advise. Thank you in advance for your efforts. Take care.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-18
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-05-08
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 to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry, and incorrect account information such as address.

This inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.
Consumer complaint received 2019-05-06
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. (FL)

Following a review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I determined that said reports contained a XXXX XXXXXXXX Visa credit card under account number XXXX for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to Equifax, XXXX  and XXXX. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates ( XX/XX/2022 and XX/XX/2022 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (TX)

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX ( 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. (CA)

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 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. (NC)

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentation such as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that both accounts were written off and reported as income through 1099 forms. These debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. Failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.
Consumer complaint received 2024-05-08
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. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-22
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. (PA)

This morning, I was shocked to see inaccurate accounts listed on my credit report. Im completely baffled as to why this occurred. I looked at my report like I always do, but out of nowhere, there were discrepancies. I refreshed my browser hoping it was just a temporary issue, but the inaccuracies stayed. Im requesting a thorough review of the documents Ive submitted so this problem can be resolved permanently.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure