davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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: EQUIFAX, INC. (IL)

To Whom It May Concern, I am writing to dispute the accuracy of several items on my credit report. These items were previously investigated and successfully removed from my Equifax credit report between XXXX and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, furnishers of information are obligated to report accurate information to all credit reporting agencies. Since these items have been deemed inaccurate and removed from my Equifax report, the same action should be taken by XXXX and XXXX to maintain accuracy and consistency across all my credit reports. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) emphasizes the importance of accurate reporting by debt XXXX. Under Section XXXX ( XXXX XXXX. XXXX ), debt XXXX are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes the reporting of false information to credit bureaus. 

The items in question, which should also be removed from my XXXX and XXXX credit reports, are as follows : XXXX. Item : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you reinvestigate these items and remove them from my credit report. Attached you will find all relevant documentation supporting my claim, including correspondence and my credit report from Equifax showing that these items have been deleted. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these items have been removed from my credit report.
Consumer complaint received 2024-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I continuously receive past due notices from EdFinancial, even though I pay significant more than I am required to. I have set up autopay and it does not work. Even when payments are manually made, and the payment due is advanced, I still receive past due notices. I have sent EdFinancial multiple requests and demands to resolve this and they either do not respond, or state they find nothing and immediately close the case.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent validation Letters to XXXX, Equifax, XXXX XXXX XXXX XXXX concerning the below account but never received any information concerning the debt. XXXX deleted the account from my consumer report as shown in my uploaded documents. Please remove this account immediately. 

XXXX XXXX Account # XXXX Amount # {$7900.00}
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that there is information which is inaccurate. The 3 credit bureaus must validate this account. 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22
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)

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 Last reported XX/XX/year> {$730.00}, Account name : XXXX XXXX XXXX Last reported XX/XX/year> {$1100.00}, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information lead to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (FL)

HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$5200.00} THAT WAS OPENED AS FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Consumer complaint received 2017-07-08
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: Experian Information Solutions Inc. (PR)

I wrote 9 letters ( sent via USPS Postal Service Certified Mail ) to EXPERIAN requesting proof of verification about items that I identified in my credit report as inaccurate, outdated or incomplete. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. <P/>Tracking Number : Certified mail Receipt Green Card/ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They failure to provide me with verifiable proof required of account listed on each letter. Instead, they send to me a letter that says ... " We have previously processed this dispute and the creditor has verified its accuracy ''. No evidence of proof of verification has been send to me. <P/>Attach will find the last letter sent to EXPERIAN, LETTER # 9.
Consumer complaint received 2024-06-22
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. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nationstar mortgage is charging me hundreds of dollars over the amount needed in my escrow account. I am currently in a chapter 13 and I currently have over {$2000.00} in escrow overage. I am aware that this will have to stay in the account until my chapter 13 is finished but it seems they are intentionally charging me way over the escrow amount needed and why would anyone have this amount in overage, in the past with ocwen before they sold my loan to nationstar I never had over XXXX bucks in escrow overage. after reading other complaints online apparently they do this and keep the money. This is a horrible company and they are really rude people and refuse to help with anything. I hope you can help me with this problem.
Consumer complaint received 2024-06-22
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. (AL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: KEYCORP (NY)

My Wife and I have a joint savings account through KeyBank ( XXXX, NY branch ) and decided to apply for a HELOC. From the first phone call we were given misleading information and also instructed things that were not correct or legal. My XXXX  credit as well as mine had multiple hard inquiries, multiple accounts or reports created, told we still owed thing that had been paid off for 3 - 5 years and cleaned up when we applied for our house in XXXX. KeyBank some how put something from my XXXX credit report ( before we were even together and was paid off ) on my credit report then demanded I prove to them it wasnt mine and/ or it was paid off. I had XXXX admit in person, in front of customers and co-workers, that she lied to us multiple times about multiple things. We have gotten absolutely nowhere with XXXX, XXXX, or XXXX at their Customer Relations phone number XXXX. This is an absolute mishandling of our hard earned credit bye an establishment deemed a credit / financial specialist. Now today we were contacted saying that messed up the dates on our HELOC paperwork and my Wife and I both have to leave work again to go re-sign due to yet another one or their negligent practices. Some sort of justice must be served in this matter. 
Thank you, XXXX XXXX.
Consumer complaint received 2024-06-22
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)

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving XXXX XXXX on my credit report. 

With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of XXXX credit in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - XXXX credit is a bloody scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent jokers. 

The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with XXXX. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of XXXX allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face. 

To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in 2019 a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious XXXX XXXX XXXX XXXX XXXX The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information. 

It is sheer lunacy that we're still ruminating over this issue. XXXX is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it. 

I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated. 

I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation. 

Yours in absolute dissatisfaction,
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMERCE BANK (IL)

Commerce Bank in XXXX, Missouri, provided a commercial loan with a XXXX term and a {$90000.00} final pay off for a home as a mortgage to a XXXX senior. Then they continued to provide loans for the payoff, after making more than {$25000.00} in interest on the XXXX loan and switched it to an asset-only loan on property that had never had a mortgage while also giving over-draft fee " protection '' that pulled from a line of credit with a juicy interest rate. One specific banker, XXXX XXXX, continued this abuse and fraud, even when family members called him out on it. To the family members he said, oh, yes, you are right, that was a commercial loan and oops, I won't give more loans because " at his age, that's not appropriate '' ... ..well he continues to give him more loans, we discover, when he is XXXX and on a pension. It was for XXXX XXXX at Commerce bank to profit. We have all the written documents, phone calls and more as evidence. It's giving loans to a senior who is on a pension as if they have commercial real estate, when they don't and continuing to facilitate the unnecessary spending while allowing Commerce bank to profit from outrageous interest rates and ridiculous terms. You don't give a commercial real estate XXXX loan to someone for their home mortgage. 
Commerce Bank, XXXX, Missouri, facilitated the spending and collected very high interest rates by also giving a special checking account that could allow " over-drafts '' and then the over draft fees and the over draft were pulled from a line of credit - so that's credit pulling from more credit and then oh, right, they'll just write a new loan to cover it.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX Reported : XXXX XXXX XXXX  {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Docket Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX A states I HAVE A RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 also states A CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 C. ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681s-2 ( a ) ( 1 ) States a person shall not furnish any information relating to any consumer reporting agency if the person has reasonable cause to believe the information may be inaccurate.
Consumer complaint received 2024-06-22
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. (PA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Balance Owed : {$0.00}