davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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 strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-06-22
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. (GA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXX BANK XXXX # XXXX XXXX Closed ) XXXX XXXX XXXX BANK # XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXX XXXX  XXXX ( Closed ) XXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX XXXX XXXX  XXXX ( Closed ) XXXX XXXX XXXX XXXX ( Closed ) XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX  XXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 2024-05-11
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. (MI)

I hope this compliant finds you well. I am filing a compliant to express my concern regarding my XXXX credit card account and the manner in which you have handled the reporting of my XXXX credit card debt to the credit bureaus. 

Recently, I have successfully completed a debt settlement program1099C form, which led to the discharge of a significant portion of my credit card debt with XXXX. I understand that the discharge of debt is a legal process, and I appreciate that XXXX has acknowledged and accepted the discharge. 

However, I have noticed that despite the discharge of my debt, XXXX has not updated this information with the credit bureaus. This omission has a direct impact on my credit score and financial standing. It is crucial that accurate and up-to-date information is reported to the credit bureaus, as it plays a significant role in determining creditworthiness and financial stability. 

I kindly request that XXXX takes the necessary steps to update the credit bureaus regarding the XXXX debt. This will allow me to rebuild my credit and demonstrate my commitment to fulfilling financial obligations. I believe it is in XXXX 's best interest to accurately report this information to the credit bureaus, as it reflects positively on your company 's commitment to responsible lending practices.
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (WV)

Penn Credit Corporation sent us letters requesting payment on debt we never incurred or owed. They claim we lived at the address : XXXX XXXX XXXX, XXXX, XXXX XXXX. They claim we received utility service from XXXX XXXX XXXX XXXX with account XXXX. We have never lived at this address. We have lived at our current address for over 10 years. We do not even live in the state of PA currently. I called them and told them this is not our debt.

They did not believe me. They told me I had to go to the Sherrif 's office and file a document saying this is not my debt before they would stop their collections. I did not do this, I do not have time. I have requested proof of this debt in a written letter, but they have not replied yet. ( I just mailed the letter. ). I am not sure how to get them to stop their collections.
Consumer complaint received 2024-05-11
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. (NV)

All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX XXXX ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies XXXX, Experian, and XXXX are falsely stating this information in my credit report and have yet to remove it from their credit report.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2024-05-10
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. (FL)

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late ( XX/XX/2019 ) and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. I already talk to my bank and they told me to make a claim to credit agencies for incorrect information. 

For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX - XXXX.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (NY)

From XX/XX/22 thru XX/XX/22 a Genesis FS Card customer by the name of XXXX XXXX used their credit card to fraudulently debit my XXXX account for 40 separate charges for a total of {$8300.00}. Since discovering the fraud and reporting it to XXXX, {$2400.00} has been returned, leaving {$5800.00} still outstanding. I am requesting that Genesis FS Card return this amount which they enabled their customer to fraudulently debit from my account using their financial instrument with insufficient oversight on their part.
Consumer complaint received 2024-05-11
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. (FL)

To whom it may concern, except as otherwise provided in this section, a consumer reporting agency should block the reported information in the file of the consumer that the consumer identifies that the information that resulted from identity theft, not later then 4 business days after the date of the receipt of such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) a copy of the identity theft report ( 3 ) the identification by such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transactions by the consumer. 

I have attached relevant documents pursuant to the above section of the law. I DEMAND all fraudulent INQUIRIES DELETED immediately.
Consumer complaint received 2024-05-11
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)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
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. (AZ)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-11
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. (PA)

There are a few collection accounts in my consumer reports that I was NOT aware of and I had sent a dispute to the consumer reporting agencies to get this information removed from my consumer report. It has been 2 months since I have sent them the notice and I have not received a response which makes me question if they are even doing their job. The accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will also be submitting a complaint with the cfpb against those collection agencies as they did not follow the procedures of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-11
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 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 2024-06-21
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical-Commercial Audit Inc (MO)

I had informed XXXX verbally that my charges from an unknown illness in XXXX of XXXX was now in a bankruptcy filed XXXX XXXX. 
I went in, XXXX of XXXX, for a suspected broken foot and was informed of a {$1000.00} charge from XX/XX/XXXX still pending. I told them that it was not accurate and called and left a voicemail with their billing. 
A few months ago, I receieved a collections notice from this company. I asked for them to itemize it as it was not accurate and the charges from XX/XX/XXXX needed to be discharged into the bankruptcy. I paid about half the XX/XX/XXXX balance off and only {$300.00} was left. 
They did not provide me with the information I requested and instead sent it straight to collections. I now can not get an answer from this debt agency.
Consumer complaint received 2024-05-11
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UMB FINANCIAL CORPORATION (TX)

Up until XXXX, I was able to pay my credit card over the phone. The XXXX credit card service would never let me pay my credit card online. For some reason starting in XXXX when my wife called to pay the credit card they said that I had a XXXX balance and refused to let her make a payment. But did say something looked odd and that I needed to call. She informed them at that time that I didnt get off work until XXXX to XXXX and they said that the office would be closed at that time. Then in XXXX when we saw that they were wrong and there was a balance she tried to pay again, she was again refused the ability to pay the debt. She told them the amount, she told them that interest was being charged and late payments were being charged. She told them even though there was a XXXX balance she still wanted to pay what she saw online, she was refused the ability to pay online or over the phone. But again was told I had to call, but it had to be during daytime hours when Id be at work. She specifically asked if they were open on the weekends or in the evenings and was told no. She told them as soon as I had a day off, I would call and get this straightened out. She even told them the date that I had off and would call. So when I had a day off, I did just that, I called and paid the entire amount off. But instead of having my questions answered about why she wasnt able to make payments in XXXX and XXXX, even though shes been making payments for over a year, I was met with hostility and rudeness from the customer service rep at that time. No one informed me that they had sent my information to collections. I never receive any written statement saying that my information was going to be sent to collections. It wasnt until I looked on XXXX XXXX that I saw that my information had been sent to collections. My perfect credit now has a hit against it. All calls are recorded at the company and there should be multiple messages within my account regarding the issues that XXXX was having. On top of all of that the company went back-and-forth stating that they didnt see any messages on the account, that calls arent recorded, that theyre not sure if my information has been sent to collections, that I had to call a special department during the hours of XXXX to XXXX during the week while Im at work. I was told the collections department cant see customer service notes, and vice versa. I dont know why XXXX being punished for their lack of communication within their company. At this point I paid the full amount of what I owed, I even paid their interest and their late payments because I just wanted this to be gone. But now Im facing a hit on my credit which I desperately want off. I dont know what I need to send in or who I need to contact to have this removed.
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

On XXXX I contacted Freedom Mortgage after receiving notice from XXXX XXXX that my taxes had not been paid by my escrow as they had been for many years. I contacted Freedom to have them corrected this and a few days later a representative from the company called me and told me that they were taking care of this and that it would be corrected. A month later and the issue is still unresolved and the tax bill is unpaid. Freedom had sent a message in their online message system that counters the phone call from the representative that said everything had been corrected and taken care of, instead the online message has basically told me that I have to pay it and they're not taking responsibility for their error.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (UT)

My father died in 2012 and I have been paying on his mortgage under his name for the last 4 years that my fathers estate has been in probate ... ... Finally I am allowed to purchase the estate, I am financing through my credit union and they are requiring a purchase letter from Nationstar Mortgage, my loan is at the under writers and this is the last document they need from Nationstar ... ... .I submitted a request 4 days ago, I have called at least 20 times and keep getting different answers to fax numbers ... XXXX faxed his death certificate and the simple purchase letter that my FHA loan requires XXXX I have even faxed over my court papers stating that I have 30 days to finance the home or it will go on the market which is XXXX XXXX ( 2 weeks away ) ... ... .THEY ARE AVOIDING GETTING ME THE LETTER I NEED TO PURCHASE MY FATHERS HOME I HAVE BEEN FIGHTING FOR FOUR YEARS AND THOUSANDS OF DOLLARS IN LAWYER FEES. All I need is XXXX piece of paper stating the payoff amount and Nationstars signature is that so difficult???????????