davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, XXXX, Experian, and XXXX. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a 30-day period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.
Consumer complaint received 2023-06-07
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. (GA)

Company did not do in properly investigation. Keep responding back saying verified with no supporting documents on how they come to that decision. So I included attachments that's supporting the inaccurate accounts.
Consumer complaint received 2023-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (NV)

On XX/XX/XXXX I there a debt consolidation loan in the amount of {$25000.00}. I was approved by Upgrade and all the funds were sent out to the credit cards on XX/XX/XXXX. There was another loan in my name for {$25000.00} Again all the funds were sent out to all my credit cards in amount of {$25000.00}. On XX/XX/XXXX or XXXX I canceled the upgrade loan due to the fact that I have already had a loan of {$25000.00} and started the process of sending all the funds back to them, it was a very easy process all the debt cut all the credit card companies sent me a check I put it through my bank and then ice directly sent it back to them. As of today I only owe {$9100.00} to Upgrade on or around XX/XX/XXXX when I saw that the Upgrade account wasnt being debited {$5600.00} I called to ask them why. And thats when I realized that XXXX XXXX there were two payments one for XXXX and one for XXXX. That have never been credited to my account. I sent Upgrade a letter from XXXX XXXX stating that the funds were sent back through the bill pay service that they received it. And this has started a 15 month battle of searching for the {$5600.00} fines the XXXX XXXX says they sent and Upgrade says they never received as of XX/XX/XXXX. The funds still have not been credited to my account therefore I am in default with Upgrade for {$9100.00} when this loan clearly shouldve been closed back in XXXX when they received all their funds back XXXX XXXX and Upgrade fail to look for this money now its {$8100.00}. XXXX XXXX  has since tried to send back another {$2600.00} and put a refund back on my account. Therefore I am over the limit and once again another payment lost I have been on the phone I have sent emails I have begged I have pleaded I have given trans numbers I have giving letters I have given both companies everything that I can to work this out and get this settled. I am not at fault here its clearly their fault that I am the one who is being punished with my credit score diminishing on a daily basis, this is my second complaint the first one with XXXX XXXX that I did on Monday XXXXm doing this one today for Upgrade financial services their bank is XXXX XXXX bank. Please help me resolve this.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditor's Collection Service, Inc. (NC)

Creditors Collections recently report 3 medical bills on my credit report. Prior to the appearance of these debt on my credit file, I did not receive a notice of my right to dispute. This is a violation of federal collection law. Furthermore, these bills have already been paid by my health insurance.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Following a recent review of my credit report at the XXXX, Experian and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-07
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. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-04-22
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. (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report XXXX XXXX ACCOUNT I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting.

2. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805.

Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Consumer complaint received 2023-04-19
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. (NC)

Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with XXXX XXXX ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but XXXX XXXX sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which XXXX XXXX Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information XXXX XXXX, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on XXXX and Experian. I can not understand how XXXX could not verify the debt was mine, but XXXX and Experian were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL XXXX AND EXPERIAN AS IT CAN NOT BE VERIFIED AS MINE.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on XXXX it's ( XX/XX/XXXX ) and on experian is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

XX/XX/XXXX Account number : XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX  opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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.
Consumer complaint received 2017-08-26
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

This is related to complaint # XXXX. I am helping my father and mother with this complaint. Upon speaking with my Dad when I returned from a business trip, he told an appraiser " strong armed " him into allowing him to appraise his condo. They represented Champion Mortgage. My Dad also told me Champion Mortgage had called and harassed him about going to the tax collectors office and providing proof he paid his taxes. The taxes have been paid for the year and my dad referred them to the XXXX XXXX records. This company continues to harass my parents, threaten them and they still not credited his account back for erroneously force placing an exorbitant amount of flood insurance wrongly, as outlined in the previous complaint.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX : Worst reporting XXXX. Other two ( XXXX and Equifax ) has no collection accounts. But XXXX is still reporting. I have tried my best. Reporting late payments on closed account which are upto date.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

The letters are stated with items and issues.

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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681a ( 2 ) ( A ) ( i ) : Exclusions. The term " consumer report '' does not include ; any, report containing information solely as to transactions or experience between the consumer and the person making the report.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

Contacted original creditor they were unable to validate my information under section 623 My information was accessed with XXXX data breach this account coulda been opened with the result of that breach please seest and assist from contacting and reporting fraudulent account
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

On XXXX / XXXX / XXXX paid my bill to American Express Credit card from my personnel check ( Check # XXXX for {$4900.00} ) from XXXX XXXX XXXXXXXX. The bill said due date XXXX / XXXX / XXXX. 

Today XXXX / XXXX / XXXX I received a new balance bill. I noticed American Express charged me {$29.00} for late fee from my last bill because they received my payment on XXXX / XXXX / XXXX. 

I called and spoke to Supervisor XXXX ( Case # XXXX ) And requested to remove the late fee because I do not know why my mail get to their Office for 8 days, and I never late on paying my bills. Also, they should consider the date I sent was stamp on XXXX mail. I paid my bill. 

XXXX XXXX told me he can not help because it was American Express XXXX. 

I am asking your Office for help regarding this matter. 
Thank you very much for your help. 

XXXX, XXXX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX