davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

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 information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

XXXX, Experian and XXXX response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family.

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.
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. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TN)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. 
DPT EDXXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme dissatisfaction with the inaccurate and incomplete credit information that is currently listed on my credit report. It is unacceptable that such errors have been allowed to appear on my credit report, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. I am demanding that you immediately remove the following items from my credit report : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and XXXX/XXXX  XXXX. I request that you provide proof of the alleged items, specifically the contract, note, or other instruments bearing my signature. If you fail to provide such evidence, the items must be promptly deleted from my credit report. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-16
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. (IL)

According to the most recent reinvestigation conducted on XX/XX/XXXX  Report Number XXXX, I am seeking clarification on the verification process and the method employed to substantiate the reported information. 
As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), credit bureaus are mandated to perform a reasonable reinvestigation when a consumer disputes an item on their credit report. I am seeking detailed information on how the recent reinvestigation was carried out, including the method of verification. 

Verification Method : How was the information verified during the recent reinvestigation? 
Specify the method used, whether through written communication, electronic verification, or other means. 
Person Contacted : If a live person was contacted, kindly provide the name, title, and phone number of the individual. 
If the verification was conducted through a phone call, please include the date and time of the call. 
Transcript of XXXX : If a phone call was made, as calls are recorded, I request a transcript of the call, including the date and time for verification purposes. 
If Experian is unable to provide the method of verification in accordance with the FCRA, it raises concerns about the legitimacy of the recent reinvestigation.
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. (PA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-06-29
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. (NC)

Transunion as well as XXXX XXXX XXXX  stated this was a duplicate, its not. The fraudulent illegal activity is still there. They put it there. Illegal inquiry and information on reports!
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I write to express my profound dissatisfaction with the inadequate validation of certain items on my credit report. Upon meticulous review, it is evident that the provided information is insufficient to validate the associated debts. The following accounts are particularly troubling, as the details provided fall short of the necessary standards for proper validation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is noteworthy that the other XXXX credit bureaus have already removed these accounts from their records after acknowledging an error. I find it perplexing that you claim to have verified this information while the others have promptly corrected their records. Your non-compliance with these rectifications is not only baffling but raises concerns about your adherence to the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. Please see this account is removed from my file at once. If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. XXXX XXXX CT CA XXXX XXXX Date Filed : XXXX.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I had received a letter in the mail on XXXX XXXX,2017 and it stated that Equifax had suffered a data breach. And that they understand there is a possibility that my personal information might have been exposed. So it said to go to the www.equifaxsecurity2017.comXXXX to determine if I have been potentially affected and to sign up for credit file monitoring and identity theft protection. So I went to that website and it says that yes your personal information has been exposed.
Consumer complaint received 2024-01-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, XXXX contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels XXXX not following all the steps. 
XXXX LOANMART XXXX -PLEASE DELETE!!! EQ and XXXX have already removed this account from their records.. 
Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
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. (TN)

[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Experian XXXX Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Removal of Identity Theft-Related Account Dear Experian Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that there is an account listed on my credit report that is a direct result of identity theft. 

Account Information : Creditor : XXXX XXXX XXXX  Account Number : XXXX I have already taken the necessary steps by filing a dispute, providing supporting documentation, and contacting the creditor involved. Despite these efforts, the account remains on my credit report, negatively impacting my XXXX XXXX and financial standing. 

I understand the importance of accurate credit reporting and the role it plays in financial decisions. As a consumer, I have diligently followed the established procedures to rectify this situation. However, the persistence of this erroneous entry compels me to express my concern and take more decisive action. 

I want to make it clear that if the account resulting from identity theft is not promptly removed from my credit report, I will have no choice but to explore legal avenues to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I believe in the importance of a fair and accurate credit reporting system, and I trust that Experian shares this commitment. 

Enclosed with this letter, please find copies of the relevant documents, including the identity theft affidavit, police report, and any communication with the creditor. I urge you to review this information thoroughly and expedite the removal of the contested account from my credit report. 

I appreciate your prompt attention to this matter and expect a resolution within the timeframe stipulated by the FCRA. If my concerns are not addressed satisfactorily, I will be left with no choice but to pursue legal remedies. 

Thank you for your understanding and cooperation in resolving this issue. 

Sincerely, 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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

Hello, I am refinancing an existing USDA loan from Cornerstone Home Lending , Inc., existing lender ( Company NMLS XXXX ), to XXXX XXXX ( the new mortgage company ). A payoff statement was provided on XX/XX/XXXX that had the below payment information ( it is attached ). The original payment amount was {$260000.00} through XX/XX/XXXX with a daily per diem of {$34.00} per day for any funding date after XXXX. By adding an additional 13 days of per diem interest through XXXX, XXXX collected a total of {$260000.00}. XXXX and the title company wired the {$260.00}, XXXX on XX/XX/XXXX and should have been enough money until the end of XXXX. That should have allowed for another 3 days for the funds to arrive to Cornerstone without being short. 

The payment was rejected, I am still not completely unsure why but supposedly there was an escrow shortage. I confirmed with Cornerstone that I had a positive escrow amount remaining of {$140.00}, therefore the payment was incorrectly rejected. See math below. 

Payoff Statement XXXX Payment due by XX/XX/XXXX = {$260.00}, XXXX + {$34.00} * 13 days = {$260.00}, XXXX {$260.00}, XXXX was good through XX/XX/XXXX according to the Payoff Statement from XXXX and the money was forwarded on XX/XX/XXXX, providing three days of additional interest above and beyond what was sent. 

My escrow amount has a positive balance of {$140.00} and was not short. The payment should not have been rejected.