davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2024 I sent XXXX and Experian a letter to remove inaccurate information from my credit report. Per the FCRA, they are required to do a reasonable investigation within 30 days of receipt of this letter. I have yet to receive an update and they have failed to remove the inaccurate information from my credit report. 

My letter to both companies states : I recently pulled a copy of my credit report dated XX/XX/2024 and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, I demand that this account be REMOVED immediately. XXXX XXXX violated UCC Code by : False reporting to a credit bureaus. XXXX was involved in a $ XXXX Class Action Lawsuit and there was a judgement passed down stating that any derogatory information associated with this company has to be removed from consumer records and there was also predatory lending and unfair treatment of consumers. This account has stopped me from getting approved for a mortgage and other credit extensions. 

I am listing this account below in case you need to verify it prior to REMOVING it. 
1. XXXX XXXX 2. Account Number : XXXX XXXX. Reason for dispute : This account is to be deleted by grantor because of a class action lawsuit.

4. REMOVE FROM MY REPORT -15 U.S. Code 1681 is a section of the U.S. Code that includes congressional findings and a statement of purpose. The section includes the following findings : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports can impair the banking system 's efficiency.

Unfair credit reporting methods can undermine public confidence in the banking system.

-As per the UCC , 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

-As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter.

I hope that your company will take this serious so that I don't have to make further complaints. 

XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2023-12-14
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-05
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. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-12-14
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)

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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or 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 2023-12-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inclusion of an account on my credit report and request its immediate removal. The account in question is XXXX XXXX, which was opened on XX/XX/ and currently has a balance of {$0.00}. Despite my previous requests, your bureau has not provided any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My mortgage contract permits me to pay in advance without penalty. The contract does not limit how far in advance I may pay. I stay paid in advance ( presently six months in advance ) and most often also include extra principal payment each month. 
Nationstar Mortgage has been informing me that I may pay no more than six months in advance. I have repeatedly asked them where in my contract it limits me to paying no more than six months in advance and they refuse to tell me. They always respond that they are sending my request to a research team as my inquiry is complex and I will hear in 7 to 10 days .... yet I never get a response. This month I notified Nationstar that as they can not point out where in my contract it states I may pay no more than six months in advance, and as my contract allows me to pay in advance, that I would be submitting an additional payment to pay seven months in advance and that it should be applied as such. 
On XXXX XXXX, XXXX I paid my mortgage for XXXX XXXX, XXXX and included an additional {$150.00} towards the principal. My next payment should therefore be due in XXXX XXXX. XXXX. However, Nationstar failed to apply the payment toward my due date of XXXX XXXX, XXXX ... and instead on applying the payment properly, left my next due date as XXXX XXXX, XXXX and applied the entire payment merely towards principal with no credit as an advanced monthly payment. 
I contacted Nationstar and asked that this be corrected and that my next due date be listed as XXXX XXXX. XXXX. Nationstar refuses by stating that allowing me to pay more than XXXX months in advance XXXX cause my account to fall into default. This is an asinine and nonsensical reply. 
My contract plainly states that I may make advance payments without penalty. I have repeatedly asked Nationstar where in my contract it limits these advance payments to no more than XXXX months and they have never been able to respond. 
I ask that my XXXX XXXX, XXXX payment be applied towards the XXXX XXXX, XXXX payment due date plus the extra {$150.00} towards principal and that my next mortgage due date be corrected to read XXXX XXXX, XXXX. I also ask that all future advance payments be applied correctly as I intend to have my mortgage paid at least one year in advance, and more if I am able.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

I had an interest free loan with Care Credit ( Synchrony Bank ) that expired on XX/XX/XXXX. I was current with payments. In order to avoid interest, I applied for and received an online credit card for a balance transfer card, with zero interest, for 21 months through my XXXX XXXX XXXX account. I have been their customer for 25 years. When filling out online transfer information I gave them my full account name and number for where the payoff would be sent. I also sent the next minimum payment to Synchrony to manage any possible processing time.But when the payment never showed up, I called XXXX XXXX XXXX and they told me several things unspoken before. 1 ) Is the payment would be sent to me to send yet again to Synchrony and NOT electronically. 2 ) That because I had applied online vs in person or by phone, It wouldn't be sent directly to creditor 3 ) That Synchrony bank never accepts electronic payments. They told me they would STOP PAYMENT on the check and I was to destroy it but they would send it directly. The check did not arrive until XX/XX/XXXX and I destroyed it. BUT Synchrony charged me {$2100.00} interest on XXXX!!! I paid that down with another balance transfer electronically. However, the second check sent directly to Synchrony for {$11000.00} was RETURNED as unaccepted to XXXX XXXX XXXXXXXX. I noticed unpaid funds after they posted then unposted! I called both banks! Synchrony would not allow me to make the {$11000.00} payment online but gave me a different address to overnight yet another check. It was supposed to be processed today but hasnt yet. WHO OWNS THIS PROBLEM? As a consumer how would I have known this convoluted process! Why did it cost me {$2100.00} to try to reduce my interest?
Consumer complaint received 2024-04-05
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-08-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

During the time that my mother was transferring the property to me, Nation Star broke into the house. At that time, the house was filled with personal belongings, specifically a lot of collectors items. After this break in, a lot of things were missing from the house. Nation Star ripped out wood floors, busted the ceiling open to get a safe that was hiding in the ceiling, and left the safe completely empty. 

After this happened, I called the XXXX XXXX Police Department and filed a report. When I went to the XXXX XXXX XXXX and Deed 's Office, the lady I spoke with said nothing was filed on this house that would give anyone the right to break in. She said that I needed to get an attorney. 

I called Nation Star and explained the situation. Nation Star did n't even know who owned the house and requested that I email them paperwork showing the house was in my name. After sending them the paperwork they requested, they gave me the lockbox code, were very apologetic, said they would write up a report of the break-in, and send me documentation showing that the lien was valid. Nation Star failed to provide me with the documentation I requested. They sent me a payoff quote and several emails with corrupt files that could n't be opened. They also never sent me the report of the break in. Nation Star went silent and I did n't hear back from them. I assumed this was because they realized they had broken the law by breaking into this house without following proper procedures. 

I decided to move forward with my plans to remodel the house and found a partner for the project. Then I quit claimed the house over to XXXX XXXX XXXX, a company I own, and XXXX XXXX. When my partner contacted a real estate agent, she informed us that the house was already foreclosed on and sold in a sheriff 's sale. I received no notice, no email, phone call, or letter in the mail. I checked the mail at this house at least twice a week and had a construction crew working on the house during this time.
Consumer complaint received 2023-05-03
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. (SC)

On XXXX XXXX, XX/XX/2023, and XX/XX/2023. 

I reviewed my credit reports, and noticed quite a few inaccuracies. I sent out dispute letters to all 3 credit bureaus, advising of the negative, inaccurate items. I have not received any responses to my request, nor have the bureaus removed the inaccurate items. It is well past the 30 days according to the FCRA that is the amount of time they have to provide a response. Clearly this is a violation.
Consumer complaint received 2023-12-14
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. (MD)

I check my credit report recently, Unfortunately I saw inaccurate account and unauthorized inquiries listed on my report. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint. Here 's the inaccurate account and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$470.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date opened XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$20.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$80.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date opened : XXXX XXXX XXXX XXXX Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$2900.00}
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX TransUnion : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX A Date of inquiry : XX/XX/year>
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I was never provided notification of this debt because of XXXX. A month ago I was provided with a lease that had an electronic signature and an unknown email I provided my XXXX and lease for this time frame to no avail. I completed their theft report and affidavit. This is getting to a level I need to take legal action an I need it documented
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report from agencies, and I have identified several inaccuracies that require attention and correction. 
Incorrect Address Information : The following addresses are listed on my credit report and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never resided at these addresses, and they are not associated with my credit history. 
Unauthorized Hard Inquiries : I have identified the following unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these inquiries on the specified dates. 
I am formally requesting that these inaccuracies be investigated and corrected as soon as possible. Enclosed with this letter, please find supporting documents that validate my claims.