davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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. (OK)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-17
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar purchased our mortgage from XXXX in XX/XX/XXXX or XX/XX/XXXX. The terms of the mortgage state that monthly payments will include the mortgage, home owner 's insurance and taxes. As per the terms of the mortgage, the mortgage company was responsible to pay taxes from our escrow account. In early XX/XX/XXXX, we became aware that our town tax ( The Town of XXXX XXXX ) was not paid by Nationstar. We contacted Nationstar to remedy this situation. On XX/XX/XXXX we received correspondence from Nationstar that they paid the town tax on our behalf. However, as of XX/XX/XXXX, no tax payment has been received by the town, despite many phone calls to Nationstar and many assurances that said taxes have been paid. XX/XX/XXXX marks the third late deadline and, as a result, the third round of penalties imposed by the town. My first request is that these taxes get paid. My second request is that my escrow account is reviewed by a third party to assess for any mishandling. Third, I want to be remedied for Nationstar 's failure to follow the terms of the mortgage they purchased by ensuring that the town penalties are absorbed by Nationstar and not us.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-17
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2022-01-09
Product: Credit reporting, credit repair services, 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. (PA)

I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (LA)

My bank account at Regions was linked to XXXX XXXX  and someone hacked my XXXX XXXX took out over XXXX in transactions and sent it to them selves. I hardly used XXXX XXXX or got on so didnt notice my bank didnt catch it, I sent them pictures showing who the money was and to and amounts if you track the names youll see its a scam. Regions told me they cant do anything and Im left with nothing. Regions denied my claim twice and will not help me in any way Ive banked with them for over 15 years Ive always kept XXXX or more in my account there and now that someone drained it they will not help me get it back or just help me. Ive never filed fraud before Ive never caused an issue with them or any bank and now my kids are hungry because. My account was drained. XXXX XXXX  told me its on regions regions told me its on XXXX XXXX please help me.. please help
Consumer complaint received 2024-05-17
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. (TX)

Despite my prior XXXX attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. This letter marks my eighth attempt to request the removal of these unauthorized transactions from my account. The continued presence of these fraudulent items not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. 

I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX : {$610.00} /XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$87.00} XXXX XXXX  XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023.
Consumer complaint received 2024-05-17
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. (GA)

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 Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Our company initiated an ACH payment to a trusted vendor in the amount of {$55000.00} through our financial institution Bank of America. Someone impersonating the company we were paying intercepted email communication and assumed a fake identity. We were obviously not aware of the imposter, so we proceeded with payment to our vendor. Once discovering this, we immediately contacted Bank of America and our software company XXXX. After three weeks of back and forth, everyone pointed their fingers at one another and said it was on me ... What protections do we have from our financial institutions from cyber criminals? We are a very small business than this loss will set us back nearly 6 months in revenue.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (CT)

My checking and savings accounts were looted and over a XXXX XXXX  XXXX dollars is missing. The bank puts me through exhaustive processes for each disputed transaction and there are about a hundred transactions. The bank is Santander XXXX XXXXXXXX XXXX I am elderly and in bad health and can not take the exhaustive hours at the bank. The bank agreed to allow my son access to the account to resolve the issues once he had power of attorney. However once the power of attorney documents were presented to the bank they refused to honor the deal. The bank is attempting to sweep this under the rug. 

Please help, XXXX XXXX
Consumer complaint received 2024-05-17
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)

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.

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-05-18
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. (AR)

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. 

XXXX XXXX, XXXX webank, XXXX XXXX, military star, XXXX home stores, syncb car care, first premier bank, XXXX, XXXX, XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pay lease, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reported agency may make any consumer report and containing any of the following items information any other adverse item information other than records of convictions of crimes which antedates 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 report agency if the person knows or has reasonable cause to believe that the information is in accurate
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was trying to get some information on what I was paying, why, and the payoff amount for this loan. When I could not get any information due to the fact that the company XXXX could not verify who I was. I called in for over a month trying to get this issue cleared up only to be put on hold and later hung up on. Finally I got a call from a manager that explain that my birthday had been put in the system incorrectly, and did not match the record that XXXX had on file. I was told this issue was contributed to when the account was open, but I know that not to be true due to the fact I have called in and spoke in reference this account before this issue occurred. Soon a this issue was corrected in reference the incorrect information, I called in and made the payment that very same day I was promise a copy of the incident for my record which I spent even more time and phone calls to Citizens before I receive the statement. Then I received a notification stating that the payment was 30 days late from Experian Credit Report. I want this account removed from my credit reports due to the fact that I do not trust this company or how the do business, or at very lease changed to paid as agreed due to the fact that their system was incorrect and not allowing me access. I will be uploading a letter from the Office of the Chairman. Thanks for taking the time to review.
Consumer complaint received 2024-05-17
Product: Credit reporting 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: Experian Information Solutions Inc. (MA)

I requests CORRECTION OF THE INCORRECT NAME ON CREDIT FILE, AND THEY HAVE YET TO UPDATE MY FILE WITH THE ACCURACY OF MY CORRECT NAME AMONGST MY ENTIRE FILE, SOME HOW THE REPORTS CAN NOT BE GENERated on free annual credit report or through any other reporting agency because my name does not match, as of XX/XX/year>. 
( CFPB complaint reference XXXX )
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (MI)

1026.11 Treatment of credit balances ; account termination. 

Thank you for taking the time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a 100 % paid closed account as of XX/XX/2023 and would like to ask for consent of deletion of this hard inquiry to all three credit bureaus. My family has been a member of Sams Club for 13 years. During the pandemic, I was advised by a store associate to apply for a store credit card at my local Sams Club, I proceeded with the application and was approved for a store credit card. During the pandemic I fell sick to XXXX XXXX, spent weeks in the hospital and was laid off work. It became very difficult to maintain and keep up with credit card payments. The only negative inquiries tied to this account were a late payment in XXXX and XXXX of 2023. I have always been an exceptional customer of Sams Club, and this negative inquiry has made it extremely hard for my family to apply for new credit and receive higher approval chances for financing a new home. Please consider writing letter to delete this closed account from my credit report to XXXX, XXXX, and XXXX. I have always been a happy customer of Sams Club and I hope I can continue that relationship with you. Thanks! 

Kind Regards, : )
Consumer complaint received 2024-05-17
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 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 XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-05-18
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. (NC)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2023-08-26
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute two late payments that are falsely listed on my credit report with your bureau. 

XXXX Owed : XXXX XXXX XXXX  Amount : {$0.00} Account : XXXX XX/XX/XXXX XXXX marked as late payment. 
Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX XX/XX/XXXX XXXX marked as late payment. 

I AM REQUESTING THE LATE PAYMENTS BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Consumer complaint received 2024-05-17
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-05-18
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. (GA)

I believe that under FCRA 605B, we are obligated to remove any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, amounts, and dates.