davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (NC)

After carefully reviewing my credit report, I noticed that World Finance company is increasing the amount of the debt monthly. According to the FTC and FDCPA, companies must accurately report the alleged debt. They have violated my rights as a consumer by demanding monetary amounts that are not contractually legal. The amount reported on my credit report is greater than the amount owed. World Finance Company also failed to validate the debt with me as the consumer with a written notice of the debt. That is also violating my consumer rights. Im also submitting a picture of my official drivers license to prove that I have a name change as a result of marriage.
Consumer complaint received 2022-11-05
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. (MD)

My name is XXXX XXXX, and I am sending this request again to address the fraud account on my Credit Report. I received a letter from CFPB that Credit Bureau closed my complaint with Complaint # XXXX, XXXX, and XXXX to protect my PRIVACY. As of todays date, the 3 credit Bureau has not responded to my dispute.Below the account which do not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$36000.00}.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I have a mortgage with Rocket Mortgage. On my online mortgage payment dashboard there is an 'estimated home value ' and 'use my equity ' button. Rocket Mortgage provided an estimated value of my home at {$270000.00} and the option to get {$63000.00} of cash out of my home with a cash-out refinance. These figures induced me to click and pursue a refinancing of my home loan knowing there was more diligence and appraisal work to be done. I supplied the necessary income documents and credit check. The third-party appraisal stated the home value was {$230000.00}. No problem so far. Based on the appraisal, Rocket Mortgage re-quoted me the cash-out refinance option but now included {$2000.00} in new lender origination fees that they explained I must now pay because the home appraised lower than I stated in the application. Problem here is my application was populated using the data Rocket Mortgage provided and confirmed by their mortgage banker. 

My problem with this is Rocket Mortgage induced me to go through the application and credit check process only to reveal an error on their side and they then charged me fees for their mistake. As a consumer, this bait-and-switch and inducement by Rocket Mortgage is cause for concern. Other consumers should be aware of this and not trust the current financial product marketing practices used by Rocket Mortgage.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax has assumed the role of that of acting as a fiduciary over my consumer credit report. I never gave permission nor my CONSENT to Equifax to furnish any of my information to anyone. With that being said and Equifax 's " Technology Coding Issues '' has harmed me, they have been providing inaccurate/false credit scores to everybody, sent out erroneous credit data on my behalf to everybody, in turn is costing me higher interest rates and adverse action taken against me. Plus, I know that they have been selling my data to lenders with out my permission as well. 

Equifax DID NOT exercise their grave responsibilities to protect my PRIVACY. Equifax is unfair, partial, and DID NOT respect my right to PRVIACY.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

XXXX is attempting to collect debt from an XXXX account that was opened under my social security number. This account was opened up using address XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I have lived in TX all my life.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-06
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. (CA)

Upon review of my reports, i have noticed some late payments on an account that i was not late for. The consumer reporting agencies have a vital role and have responsibility to report consumer maximum accuracy to the best of their ability. I have never been late on the accounts that i included in screenshots inside this complaint on the dates of XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XX/XX/2024. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be, do to never being late! Thank you please see screenshots attached!
Consumer complaint received 2022-04-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-16
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NM)

IC Systems Re : Dispute of Account No. XXXX XXXX XXXX To Whom it May Concern : I am writing to inform you that I have received your demand for payment, and I dispute this debt in its entirety. This debt was disputed directly to XXXX and was ignored. The basis of this charge XXXX alleges is that they claim the XXXX was returned damaged but failed to elaborate as to what damages they alluded to. Through XXXX ( which I retain copies ) I informed XXXX that the XXXX was in perfect working condition when I put it in the return packaging they required I use. I provided XXXX pictures of the phone as I packed it to assure there were no damages knowing full well XXXX would fabricate these claims to bilk more money from a dissatisfied customer. XXXX refused to provide me with proof that the XXXX was damaged. XXXX did not respond to my further requests for proof of their fictious claim. 

I dispute this claim in its entirety. If this debt is not reversed and or this debt is reported to my credit, I will retain attorney XXXX XXXX with XXXX XXXX XXXX to seek legal action seeking damages and restitution against XXXX and IC Systems. 

To validate this debt, I demand XXXX provide the XXXX in question to prove damages Thank you XXXX XXXX Cc : XXXX XXXX, CFPB, MN Attorney General, XXXX
Consumer complaint received 2022-07-24
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)

the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2022-07-29
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)

XXXX XXXX is showing up on my credit report. This account is not mine. Here is the information listed : XXXX XXXX Account # XXXX, opened XX/XX/20
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

My loan principal went from XXXX to XXXX because they never moved my deferred payments to the end of my loan. They want me to pay the original principal and added in the amounts of payment I missed again for payoff. Attorney general has contacted them and theyre Ill not give me a true payoff
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I made a transaction with XXXX XXXX XXXX for a XXXX that was to happen on XX/XX/2022. On XX/XX/XXXX they changed the XXXX  XXXX center and the doctor that I initially requested. At that time I told them that I did not want the surgeon  that they assigned me due to that doctor being involved in a death of a patient of his last year. I then expressed that I wanted a refund and would not be following through on XXXX since the doctor that I requested could not be assigned to me. On the morning of XX/XX/XXXX I logged into the patient portal to put through the paper work for a refund, at that time I no longer had access to the patient portal where the merchant paperwork that I signed states the only way that I could request a refund would be through the patient portal. I no longer have access to my records or documents because I have been denied access to the patient portal. Multiple attempts to resolve the issue with the merchant went unresolved and unanswered. I then filed a dispute with my credit card companies based on the fact that XXXX took my money and refused to attempt to resolve this issue with me. My credit card companies have then come back to me stating that I need to show that I attempted to cancel with the merchant XXXX. I then sent in text messages and emails and my claim was denied because they said that they could not accept electronic communications as proof. The merchant is in XXXX Fl and I live in XXXX DE all of our communications are electronic and the merchant has taken my access to documents away from me I have no way of providing the information that my credit card company is requesting. The merchant has not stopped communicating with me. The merchant has my money and has not provided services.
Consumer complaint received 2021-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspond
ence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate 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 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 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (FL)

I was notified by a company that a card was used under my name that I was unaware of. Also someone made a payment as if it was me. So I would like to file charges if possible. At no point of time that I gave anyone my information to use or give them permission to use my information.
Consumer complaint received 2022-10-18
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 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 deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-12-31
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)

XXXX BANK DATE OPENED : XX/XX/XXXX REPORTING PAST DUE 30 DAY PAYMENT IN XXXX XXXX 30 DAYS PAST DUE XXXX XXXX  60 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 90 DAYS PAST DUE XX/XX/XXXX XXXX