davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

On XXXX, originally, I sent XXXX a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and Experian. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile. 

XXXX- Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. XXXXViolation Experian was sent a intent to file a FTC complaint XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation
Consumer complaint received 2023-02-01
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. (NY)

On XX/XX/2022, I sent dispute letters to cra. I didn't receive any results in the mail or email. I also called and asked if they received my dispute letters and agent told me they don't have. I know I sent my letters and I've waiting 45 days as of today and they are not following FTC GUIDELINES. I'M TRYING TO PURCHASE A HOME AND APPLY FOR LOANS AND BECAUSE OF CRA NOT RESPONDING TO MY LETTERS IS KEEPING FROM APPROVALS.
Consumer complaint received 2023-02-01
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. (AZ)

When I discovered my XXXX XXXX dropped XXXX points I looked to find out why, because I worked so hard to not be late and keep my credit score high and pay my revolving accounts on time. I discovered I owed {$14.00} to XXXX XXXX and I paid it immediately, then I requested the account be closed because I didn't want this to happen again. I contacted XXXX XXXX by phone and they discovered they had the wrong address on my account, and I never received a bill. I asked them to contact all 3 credit bureaus to request the delinquent status be removed. They assured me they put that request in. I also disputed the delinquent status with all 3 credit bureaus. It appears that XXXX and XXXX removed the 30 to 90 day delinquent status but Experian refused to remove it from my credit report, statingThe credit reportsme delinquent. It was only {$14.00} and I never received a bill. So to have my XXXX XXXX severely affected XXXX point Negative seems extremely excessive. appreciated.
Consumer complaint received 2023-02-01
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. (MA)

DEAR XXXX XXXX XXXX FOR MY LEASE : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2022 FOR 30 DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-07-28
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. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
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. (MO)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-01
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. (UT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (VA)

I received a Closing Disclosure from Quicken Loans in XXXX with a closing date of XX/XX/2020. XX/XX/XXXX passed and we did not close until XX/XX/XXXX. My settlement agent said that it was Quicken 's fault for the delay, likely due to high volume of loans at a time of low interest rates. At closing, the origination fee was {$1700.00} higher than the original disclosure statement. It was after hours on XX/XX/XXXX when I signed, and no one was available to explain. 

When I did complain within my 3-day rescission period, Quicken "  slow-rolled '' me by delaying its response until after the rescission period passed. Then my loan officer conferred with his supervisor and agreed that our CD numbers had in fact changed. He referred me back to a XXXX number at Quicken where I eventually reached an executive team member who advised me that my rescission period expired the day before. 

On XX/XX/XXXX, the executive team member told me that he reviewed the facts and that they did not entitle me to relief because they were allowed to change the terms of my loan due to the XX/XX/XXXX closing ( lock-in ) date passing. My complaint is that if Quicken was going to fail to close on the date they selected ( XX/XX/2020 ), and then unilaterally change my loan conditions in order to to keep the same interest rate, they were required to tell me in advance in a NEW closing disclosure statement what the new terms of the loan were. It changed the CD by increasing our loan costs by {$1700.00}. 

In addition, my settlement agent reported difficulty with the processing team at Quicken, and said that she was told to " just put in the numbers the they told her, '' even though she was telling them they were wrong. 

To sum up, Quicken is a big company that couldn't close the loan on time, then raised my origination fee without telling me. Then the big company passed me off from phone tree to phone tree until my rescission period had passed, and afterwards denied me a {$1700.00} credit without explanation. It was dishonest, and what happened to us is exactly what closing disclosures are designed to prevent.
Consumer complaint received 2021-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Star Loans of Texas, Inc. (OK)

On XX/XX/XXXX in XXXX, Ok I communicated with Manager XXXX at Star Loans that I would be several days more late on my payment. The loan was due XX/XX/XXXX with a 10 day grace period it would be XX/XX/XXXX. I told her that my account is over drafted, it was a hard month for me supporting a XXXX and 2 adults due to the stresses of the economy and holidays. XXXX was extremely rude and insulting. She told me she could not hold my loan for payment on XX/XX/2021 and cant I go overdraft your account more to get the money. I told XXXX shes being insulting and that I always communicate to her issues I may have when making payments, but that they do get paid. XXXX continued to speak to me in a hostile manner stating this is a two way street and youll need me for money in the future. XXXX then asked what date do you want me to put you for I told her XXXX XXXX said no Ill put XXXX you can pay me with your stimulus check. She hung in my face. 
XXXX is always rude and hostile at Star Loans. She needs to be reprimanded immediately. I am a XXXX XXXX and XXXX would call to administer her XXXX XXXX. I did this for her. For her to be so rude to me not only humiliated me, but I will never do business with her after XXXX when I pay off the loan in its entirety.
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Date XXXX Balance : {$29.00}
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX {$6000.00} payment made on credit card account ending in XXXX -- note : funds to pay off credit line was from a term loan obtained on XX/XX/XXXX by XXXX XXXX XXXX in the primary business bank account XX/XX/XXXX Payment Review Letter sent by Wells Fargo and credit line frozen XX/XX/XXXX Called phone number listed on letter XXXX XXXX XXXX XXXX -- representative told me this was the wrong number. Gave me a new number XXXX XXXX XXXX XXXX XX/XX/XXXX Called new number and spoke with a representative who took 20 minutes to transfer me to their manager. Manager then argued with me for 10 minutes and said they were unaware of the letter and everything was okay. Then put me on hold and hung up after over 30 minutes on phone. 

My account has been legitimately paid in full for over 2 weeks now and my credit line has been frozen for no apparent reason and my time has been wasted. This is ridiculous and XXXX XXXX should go to prison for fraud.
Consumer complaint received 2023-02-01
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. (FL)

This is my second attempt sincethey have failed to respond to my previous disputes, and remove innaccuracies. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 

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. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 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 2023-02-01
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
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: EQUIFAX, INC. (NC)

I filed a dispute with Equifax and they did not properly investigate my dispute. There are medical bills showing on my report that was satisfied and should be removed once paid. They failed to produce anything to verify that the information is correct. I am asking for your help to make them abide by the law.
Consumer complaint received 2023-01-31
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)

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this matter.
Consumer complaint received 2023-02-01
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : it also states 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 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 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$6000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$810.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-31
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. (VA)

Account reported as delinquent and repossession with a balance. The vehicle was sold in house by dealer XXXX XXXX XXXX XXXX after possession, assuming full payment of balance immediately. XXXX failed to provide proper notices after repossession, including notice to sell or balance charges. XXXX offered to remove balance only if another vehicle is purchased with a new loan with creditor and threatened to continue reporting inaccuracies. I have proof of the vehicle being listed/sold on the dealership within XXXX week of surrender and also proof of lender providing inaccurate balance/amount information. In the state of VA, creditor chose to keep vehicle and not send to auction so balance is XXXX. There were many of discrepancies on this account included a gauged price and improper collection violations. Vehicle was surrendered in XX/XX/2022 and to date I have not received any balance letters, final account statements, the REQUIRED notices following the voluntary repo, or any other legal notices regarding this account. Creditor is only willing to offer a new vehicle and loan to resolve the balance. Please delete this account from all credit reporting agencies immediately as consumer rights have been violated.