davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (PA)

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 2024-03-07
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. (IL)

Im seeking for these items to be remove or i will be seeking monetary value per violation Pursuant to 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate .After taking a look at my consumer report it is definitely WRONG and UNFAIR. Unfair because I was never notified when this inaccurate information was furnished and I was never notified during your company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your company 's procedure and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database.

Pursuant to 15 usc 1681 ( a ) ( 2 ) your company is a powerless elaborate mechanism .This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness .I have been denied a job and multiple housing opportunities.!

Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role .You were not given express permission by me, the consumer or a Competent court of jurisdiction .So, not only did you fail the initial investigation of this information .You also assumed this role, and assumed this information was valid .Which is a violation of my consumer rights.

Pursuant to 15usc1681 ( a ) ( 4 ) - You did not insure that this information is accurate and you did not exercise your grave responsibility with fair and impartiality.You took one side of the story and never consulted with me to find out if this transaction event took place .As a result of this my privacy was breached and this violated my right to privacy.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report.This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report .Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( d ) ( 2 ) ( a ) ( iii ) in your initial investigation I was never given the chance to deny this information being communicated on my consumer report which is in fact another violation and adds on to the other ways you ruined my reputation.

Pursuant to 15 usc 1681a ( b ) - Any authorization of a specific extension of credit of a credit card similar device should be excluded from my consumer report .This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card.Credit card as defined under 15 USC 1602 ( L )
Consumer complaint received 2023-06-05
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (VA)

This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued
Consumer complaint received 2023-06-05
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. (NJ)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-01-10
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-05
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Why are there are late payments reported on the original account after it was transferred to another lender? As far as I see it, that would make the account inaccurately reported, right? This account shows that it was transferred, but why is there a past due reported on this account? This is a violation.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

In late XXXX when we started having heavy rain storms, I noticed portion of the ceiling collapsed in the den area.I immediately notified PHH about this. My home insurance company denied the claim. I asked PHH for some financial help and they told me that I have to wait a whole year for a refinance and suggested a payment deferment or loan modification. During this process, Mortgage companies shouldn't report the mortgage payments as late. They repeatedly report the mortgage account as30 or 60 days late. I submitted 4 different applications and they keep prolonging the process because of me complaining to the 3 bureaus regarding my report.Today XX/XX/28 was my loan modification interview but I asked them to stop the modification appointment and process on the advice of the mortgage servicer I'm currently working with to take over the mortgage. On XXXX XXXX, They reported that the account is in Forbearance further damaging my credit. I feel that this is in retaliation for my many complaints to the 3 bureaus and the new mortgage servicer.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX  account is closed I have repeatedly disputed the closed account as its showing up on my credit as open and verified. 
I have printed proof that the account is closed as Experian keeps verifying the {$16.00} as open and its closed with the next due date in XXXX!! Experian doesnt check anything yet they continuously update account as verified and remains on my credit.. I read the ucc laws governing my rights and I will file a law suit thank you
Consumer complaint received 2023-09-18
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: ZIONS BANCORPORATION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/XXXX XXXX XXXX sent us a notification of Mortgage transfer to Nationstar Mortgage LLC. As of XX/XX/XXXX, we have still not received any notices or mail from our new Loan servicer.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am writing to you with the utmost urgency and frustration regarding the fraudulent accounts that persist on my credit report. It has come to my attention that despite repeated attempts to rectify this egregious error, these fraudulent accounts continue to tarnish my financial reputation. This is unacceptable, and I demand their immediate and aggressive removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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  Account name : XXXX XXXX Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 reports containing any of the following items of information any other adverse item of information, other than record convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

On or about XX/XX/XXXX, someone used my personal information to obtain a credit card in my name from XXXX XXXX XXXX and charged an amount of {$850.00}. A Detective with the XXXX XXXX XXXX XXXX XXXX. had previously reached out to me about this matter. He advised me that he had looked into the matter of this identity theft and who obtained the fraudulent credit card. The Detective advised me that the identity and fraudulent credit card theft took place at XXXX XXXX XXXX, XXXX, GA XXXX. I advised the Detective that I had never resided at XXXX XXXX XXXX, XXXX, GA XXXX, and have resided at my current address since XXXX to present. On or about XXXX, I had attempted to discuss this matter with a XXXX XXXX XXXX  Representative, but the lady was very difficult to deal with over the phone and would not discuss the matter with me and advised me that the matter had been turned over to a debt collection agency. I, several times while on the phone with her attempted to advise her that I had never applied for a credit card with their bank. I also told her that I had not had a credit card since XXXX ( paid in full and shredded ) and that was with another financial institution. I also attempted to explain to the bank representative that I have never lived in XXXX, GA and had resided at my current address since XXXX. I have received numerous calls from Midland Credit Management and I once spoke with a XXXX XXXX ( works with Midland Credit Management ) who attempted to accuse me of having received the credit card. I explained to him that I had never applied for a credit card with XXXX XXXX XXXX and have never resided in XXXX, GA at the address provided. Approximately a week after mine and XXXX XXXX conversation, Midland Credit Management sent me a letter and copies of statements from XXXX XXXX XXXX. On XX/XX/XXXX, wrote a letter of dispute attention directly to XXXX XXXX disputing the accusation of fraudulent credit card debt. did not belong to me and that I was a victim of identity theft and someone obtaining a fraudulent credit card in my name. 
On XX/XX/XXXX, I wrote another letter disputing the fraudulent credit card and identity theft to Midland Credit Management. 
I am also having to get this mess cleaned up on my credit report with the credit bureaus so that I can get my credit score back up.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

There is an error on my report. This account they are reporting is identified as a repossession yet they continue to report late payments since the vehicle is no longer in my possession it will be impossible for me to default on the payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable.
Consumer complaint received 2024-03-07
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)

I have filed a formal complaint to the CFPB. Complaint Number XXXX I wrote a letter to request that XXXX XXXX XXXX cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as per my rights under 15 U.S.C 6802.

According to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt-out of having my nonpublic personal information disclosed to non-affiliated third parties and consumer reporting agencies. 
I hereby exercise my right to opt-out of any such sharing of my nonpublic personal information. Please ensure that my information is not disclosed to any non-affiliated third parties or consumer reporting agencies from the date of receipt of this letter and going forward. 
Furthermore, I request that you confirm in writing within thirty ( 30 ) days of receiving this letter that my opt-out request has been processed and that my nonpublic personal information will no longer be shared as described above.

Please acknowledge receipt of this letter and provide confirmation of compliance with my opt-out request at your earliest convenience. You may send the confirmation to the address provided above.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.