davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: EQUITY LOANS LLC (TN)

On XXXX XX/XX/XXXX I contacted Equity Prime Mortgage about late payments on my credit report with XXXX, XXXX and XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had filed for assistance around XX/XX/XXXX and I was missing some paperwork. I completed the paperwork because I was having COVID and I had asked this company to help me keep my home. Because I needed help and I did ask the company for help and I did get approved around XX/XX/XXXX, it is my belief that these late payments should be taken off all three credit agencies credit reporting. I have XXXX  XXXX XXXX and I need to refinance my home so that I can get out of the debt that I am in. I had to get assistance with my mortgage with the XXXX XXXX XXXX XXXX. I have to repay the money that I borrowed from the XXXX XXXX XXXX XXXX every month plus pay all my other bills which includes my mortgage each month. Because of the reporting of the late payments I am not able currently to get refinanced or get approved for other loans with other credit unions like my own.
Consumer complaint received 2024-05-09
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. (VA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

I am writing to challenge the reporting and compliance on accounts with XXXX XXXX, XXXX, and XXXX XXXX XXXX that are being reported on my credit report with incorrect/missing information. 

More specifically, I am referencing the fact that Experian is reporting incorrect account numbers, incorrect high balances, incorrect credit limits, late pay after account was closed, collections account with a limit, inaccurate reporting dates. These are just to name a few, however, there are other reporting errors. 

Experian 's improper procedures are highly damaging to my credit score.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (TX)

I'm bringing this complaint because, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a repossession was handled unlawfully. 
I was expected to get certain legal documents, such as a notice of default and a right to cure notice, as well as a notice of sale after the repossession, in accordance with the XXXX regulations that apply to repossessions in XXXX. The corporation that is engaged in the repossession has not given these documents to me, even though I have asked for them. 
What took place was : I asked to see all the court records pertaining to the takeover, such as the sale notice, default notice, and right-to-cure notice. 
I have repeatedly asked the corporation for these records, but they have not been supplied. 
They are in violation of XXXX XXXX XXXX requirements by not providing these crucial documents, depriving me of my right to appropriate notification and redress.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$140.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-17
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: EQUIFAX, INC. (PA)

I sent a certified letter to Equifax, XXXX at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX. 

It was accepted and signed by XXXX XXXX. 

I complain to Equifax that they were report dual late for same account. I had a XXXX Credit Card that was late on XX/XX/XXXX which was transfer to a XXXX Credit Card. I noticed on my Equifax report its showing both accounts with same late. 

Neither XXXX  or XXXX, XXXX are showing this obvious error.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I keep being refused by banks when trying to open a checking or savings account because of false information showing up when my identity was leaked & because of account were opened & show balances or unacceptable behavior.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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 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 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 2024-05-09
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. (CA)

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 XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 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 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have asked all 3 credit bureaus to investigate account XXXX XXXX XXXX XXXXXXXX # XXXX because I noticed multiple inaccuracies on the account also the account was paid in full XXXX XXXX. They all responded and said there was no changes needed. I asked for a re-investigation because the inaccuracies were still on the account. The disputes were completed with no change. I then created a 3rd dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. The payment history of this account has been getting updated every month even though it is charged off. The information is inaccurate, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off 1 time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'm filing a general complaint about the inquiry process when applying for a loan. I'm XXXX XXXX XXXX with not a long credit history obviously, so every little detail/payment/inquiry impacts my score significantly. I'm currently looking into purchasing my first home, so a lender placed a hard inquiry for my pre qualifications. Since I do not have a lengthy history due to my age, inquiries when I'm shopping for a mortgage drop my credit score and result in higher interest rates which is discriminatory against young people. The credit scoring system is being presumptuous in assuming that because a lender inquires into your credit that you are all of a sudden going to irresponsibly open accounts. This presumption discriminates against people with short credit histories like young people and low income people, making their situations even more difficult when trying to acquire decent rates for credit accounts. Then a high rate with high payment continues to negatively impact scores, trending into a bad loop where we're trapped with a bad score for unfair reasons. My credit score has now dropped when I previously had a score over XXXX - this will now significantly affect my ability to get a house, which goes against everything fair consumerism should be. I also have an old checking account with a credit union I paid off and closed more than 30 days ago, but is still impacting my score significantly despite placing a dispute that was " resolved '' - simply because I do not have a lot of credit still. The system is heavily flawed and unjust.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX are reporting fraudulent accounts that I repeatedly told them its fraud. These accounts are XXXX XXXX XXXX and XXXX XXXX. They are reporting late payments on my credit reports. 

XXXX is reporting a fraudulent account as well which is XXXX credit card saying I have late payment. This is fraudulent and I have filed FTC REPORT
Consumer complaint received 2024-08-11
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. (IL)

" Upon reviewing my credit report, I discovered that I have been a victim of identity theft. I found several unauthorized credit inquiries that I did not initiate. Please remove the following fraudulent inquiries from my credit report. ''
Consumer complaint received 2024-06-13
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. (OH)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-11
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. (VA)

This is my second complaint being filed with the CFPB there was no resolution to the first complaint all the negative accounts and transaction history is still on my consumer report unlawfully effecting my ability to obtain credit. I trusted the CFPB to rectify this situation rightfully so and i did not receive my rightful remedy the CFPB actually sold more of my info to Experian. Experian has not provided me the requested original contract with my signature for each and every account that they are reporting on my consumer report, also they did not provide proof of me giving them written instruction to furnish these accounts per 15 USC 1681b Permissible purpose of consumer reports, because Experian can not provide any of this info all listed accounts and inquiries in my attached letter need to be deleted Immediately! Also each individual account I listed I wrote a letter to each company revoking any and all authorization that I XXXX have unknowingly gave them in the past, present, and for future use. Please have Experian delete all negative payment history accounts and All Inquiries immediately or I will be forced to take things further in filing a XXXX XXXX on all companies involved.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 2 MONTHS 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 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 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 2016-06-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

On XXXX/XXXX/2015 our mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage of XXXX, TX. This past year has had no issue with the servicing of the loan. As of XX/XX/XXXX Nationstar advised they were raising our Escrow by {$310.00} due their analysis of what was required for Insurance and taxes. Our Insurance did not change and the taxes went up less than {$200.00} a year. The increase of this amount is not appropriate nor justified from State and County records of such tax increases. This all occurred after 6 months of first class mail and XXXX delivery in an attempt to get us to refinance. We do not understand with hours spent on the phone with Nationstar, they can not justify the numbers for this increase. They continually use the terms, ( we recommend ) and ( we suggest ). When they quoted Federal Law requiring this increase we asked for a copy and they will not provide this regulatort information they quote as the reason for these increases.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hey I Received an 1099 Form for the charged off accounts : Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account XXXX XXXX XXXX Account XXXX : XXXX from creditor an accounts was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off accounts must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.