davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-16
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. (CA)

XXXX BANK had 21 days to stop reporting all activity to the following agencies. 

Experian, XXXX, XXXX and additional secondary bureaus. 

I have the right to privacy. And never once did I speak with the company and allow them to report my transaction history, payment history all of which should have remained private and not for to the bureaus for display and sell! 

This is unlawful sharing of private information. 

Here moving forward all of the bureaus mustn't report my private information any longer. The account must state paid as agreed and nothing else.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

has violated my rights. Or a 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 2016-08-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

ON XXXX/XXXX/2016 I USED THE WEB SITE FOR MY XXXX I VIEWED AND SAVED THE FIRST XXXX REPORTS PDF FILES THE XXXX REPORT FROM EXPERIAN NEVER GOT TO SECURITY/SIGN IN PAGE!!!! 
NEVER DOWNLOADED ANYTHING!!! 

I WENT BACK TO XXXX IT SAID COME BACK IN 1 YEAR FOR NEXT REPORT NO PLACE TO REPORT PROBLEM ON WEB SITE EXPERIAN WEB SITE NO HELP EITHER
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

My name is XXXX XXXX XXXX. My husband and I are expecting to incurred additional expenditures in XX/XX/XXXX so we paid our mortgage bill in two equal installment one was on XXXX XXXX, 2015 in the amount of {$1400.00} and another one was on XXXX XXXX, 2015. I personally called the company on various occasions which is prior to XXXX XXXX, 2015 ( to avoid late fees ) to inform them that those two payments should be applied to our XX/XX/XXXX loan payments. They did not process the payments as I instructed them to do so now XXXX wanted me to pay them {$1400.00} more plus late fees. I do not have that much funds to pay them since I already paid them the full month. I am under XXXX right now and we are trying to pay all our bills on time. Their loan care specialist by the name of XXXX is even rude and so is their supervisor by the name of XXXX XXXX who supposed to help customers not put them in trouble. I asked for their superior who could make decisions and they refused to give their names to me. I could have sent them e-mails but I have no where to go but to file it to your website.
Consumer complaint received 2024-01-16
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. (IN)

Submitted a dispute about XXXX XXXX  on my Experian credit report. Firstly, this supposed debt is not on XXXX credit report so therefore it should be removed due to inconsistencies across 3 credit reporting agencies. Secondly, I reference multiple consumer codes stating I did not authorize this disclosure on my credit report ( 15 U.S. Code 6802 ). In addition, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have been a consistent and timely payer of my mortgage with Select Portfolio Servicing for many years. Recently, due to unforeseen financial difficulties, I fell behind on a few months ' payments. I have now stabilized my financial situation and am capable of resuming regular mortgage payments. To address the accumulated arrears, I requested Select Portfolio Servicing to allow me to split the overdue amount over a few months, while I continue with my regular monthly payments. This was a reasonable request considering my previous record of timely payments and the temporary nature of my financial setback. 

However, instead of accommodating my request or offering an alternative solution, Select Portfolio Servicing escalated the issue unnecessarily. They referred my account to legal proceedings and initiated foreclosure actions. This approach was both unexpected and extreme, especially given the circumstances and my history with the company. I was informed that their refusal to negotiate a payment plan was due to adherence to their " system, '' a stance even their supervisor acknowledged as unfair but felt powerless to change.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing TRANSUNION AGAIN to bring to your attention certain discrepancies and inaccuracies that I have identified on my credit report. Upon reviewing my credit report, I discovered several accounts that do not belong to me, and I am concerned about the potential impact on my creditworthiness.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

To, Experian XXXX Department XXXX : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it may concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
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. (GA)

Experian does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Experian commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . Experian is securitizing consumer data yet refuse to provide consumer a copy of their Consumer FILE not Consumer Report ... Experian is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent..
Consumer complaint received 2020-08-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

I have an auto loan. During natural disasters such as covid19, the company agreed to waive the payments. It took a XXXX and attorney general complaint each and every time. Each time the phone team advises it wont negative impact my credit. But it does. Most recently today. The information responded to the florida attorney general and XXXX says it wont impact my credit and my payment isnt due until the  end of XXXX. My credit report needs fixed. 

1 ) XX/XX/XXXX was a covid19 disaster approved skipping of payment, needs fixed on credit report.

2 ) XX/XX/XXXX was a XXXX  and chase approved disaster Hurricane Michael, however is incorrectly reported. 

Please fix these errors, the company has been notified clearly of this both by the XXXX, attorney general of florida, governor XXXX XXXX and lt gov of florida. On the phone an XXXX XXXX  lady informed me since I used a derogatory language they would derogatory hurt my credit on purpose. This kind of tribalism in call centers is something that many call centers dance around, including this one. Please do not let a sensative young phone rep dictate and corrupt my credit score anymore. Lawsuits will soon be filed if the above isnt immediately remedied. Also please extend my covid19 payment skip,  extension thru the end of XXXX, as it has been a slow recovery.
Consumer complaint received 2021-10-06
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-01-16
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Inaccurate information on credit report XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account Number : XXXX .... 

Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016
Consumer complaint received 2020-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2020 I sent a Method of Verification to XXXX, XXXX, and Transunion disputing debts showing on my credit report. It has taken more than 30 days with no response, and they are still reporting the debts as valid on my credit report, but no method of verification has been provided.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge
Consumer complaint received 2020-08-30
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. (NY)

Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on Experian XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. Experian XXXX  and XXXX  is reporting this account inaccurate.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (VA)

My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012.
Consumer complaint received 2024-01-16
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. (GA)

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. 

has violated my rights. Or a 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 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: UBS BANK USA (CT)

In XX/XX/XXXX, I established an account with UBS through an entity called XXXX  XXXX XXXX, with an approximate value of XXXX XXXX, and later added to that account an additional XXXX  XXXX approx, resulting in a total value of XXXX  XXXX deposited with XXXX XXXX of XXXX XXXX XXXX. In XX/XX/XXXX, I was fraudulently induced by XXXX XXXX to transfer this account to XXXX, where XXXX XXXX XXXX was then situated. I acceded to XXXX XXXX 's instructions to leave UBS because I received no alternative proposal from UBS to preserve and grow this account, and issued instructions to UBS to transfer the full amount in this portfolio to XXXX. However, UBS ignored these instructions ( for unknown reason ) and retained a portion of this money, exact amount unknown, in a retirement account XXXX XXXX XXXX. For several years, I received zero communications from UBS about this account, and was unaware of the fact that the money had not been transferred in accordance with XXXX XXXX 's instructions. I then started to receive monthly statements from UBS as to the value of the account, roughly {$6500.00}. I asked UBS to transfer this money to XXXX  XXXX XXXX, but they stated that this could not be done. Since that discussion, this account has remained at UBS, has been totally unmanaged, yet has been charged quarterly maintenance and annual account management fees. No one has managed this money despite these fees, and I now wish to get back from UBS the full amount of the value of the account from the date I requested transfer to XXXX, plus statutory interest.
Consumer complaint received 2024-01-16
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-16
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. (TX)

Dearest CFPB, I've been writing letters to these consumer reporting agencies since XX/XX/2023 and this will be my 6th letter to dispute this one and only inaccurate account that I've found on my credit report. 

XXXXXXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX That said account has already been deleted on my XXXX but XXXX and Experian are still reporting this despite showing them proof of inconsistency of their reports. XXXX and Experian 's descriptions were far too different from one another. I don't know how they validate and verify this as accurate where their information don't even match with each other. 

In addition, I have found out numerous credit inquiries that was run by someone I don't know, and I have no knowledge as to why they have to run inquiries on my credit report. I want that to stop right now! 

Experian has my personal information entered WRONG! My date of birth, previous address, current address and employer were incorrect. 

These are already forms of INACCURACY. Hence, I demand the deletion and removal of the aforementioned account as soon as possible.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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
Consumer complaint received 2024-01-16
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. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX  and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.