davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
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. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX- Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account XXXX Account Name : XXXX XXXX XXXXXXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name XXXX XXXX XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX XXXXXXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : 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 2018-12-01
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: The Best Service Co.,Inc (CA)

XXXX has been non-compliant with removing the unverified account BEST SERVICE COMPAN XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BEST SERVICE COMPAN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-10-08
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2024-10-08
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. (VA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-11-17
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. (GA)

XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (HI)

My complaint is against Experian.com I signed up for a free trial on XX/XX/XXXX which I immediately canceled afterwards. I have the original email to show that I did indeed cancel with them. However I was still charged account {$21.00} on XX/XX/XXXX to my account. Because of that charge my account was overdrafted which resulted in a fee. The bank did not refund that fee because it was not their error it was the error of the company that charged me when they were not supposed to. This is through no fault of my own and I took the precautions I was supposed to in order to cancel my membership and this is not the banks fault either. I Have received a refund for the {$21.00} however was told by a representative of Experian that they would not reimburse me for the overdraft fee and that the bank should be able to reverse it once they saw that Experian deposited funds back to my account. However that is not the case because it was not the banks fault that I was charged by Experian. I have sent multiple emails with proof of my cancellation and proof of my overdraft fee attached and have not received one response from Experian or any compensation for the {$32.00} they cost me. The fee was charged immediately after they posted the {$21.00} charge.
Consumer complaint received 2024-10-08
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. (WA)

XXXX XXXX XXXX ( Bank ) with their collection agency ( " XXXX XXXX ) are entering false records on our credit reports with no accountability. 

XXXX XXXX XXXX  gives credit to people without checking their identities ( no XXXX  ) and in violation of both FCRA and Banking Regulations by granting credit ( using the personally identifiable information other than their customers ). XXXX XXXX XXXX  fails to do their XXXX  ( verify the identities of credit applicants ), no XXXX  and EDD on their customers before and after they issue credit cards. 

Beware of doing business with XXXX XXXX XXXX  and XXXX XXXX  who violate FCRA rights and Banking Regulations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX Fax : XXXX Websites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AR)

Recently we have had to replace 2 transmission and was just told that we now will need to replace the motor in my husbands vehicle. As we were trying to find a resolution to paying for the motor we discovered that we had a negative report that resulted in our inability to secure a way to pay for us to replace the motor. Currently we have Quicken Loans as our mortgage lender. Mortgage payments were made through automatic draft through our checking account. In XXXX of 2018, Quicken adjusted the escrow changing the monthly payment. Quicken sends an enormous amount of advertisements so we often do not open mail from them as it is always promotional items. We did not get anything in the mail from Quicken that stated must open important information enclosed until XXXX, nor did myself or my husband receive a phone message that Quicken needed to reach us regarding a change in the mortgage. Once we were notified by a letter stating, " non advertisement must open '' stating that the escrow had changed we changed the payment and sent in the additional amount. However, since it was not remedied until the XXXX payment Quicken reported that our mortgage payment was late. My payment was never late because they received the payment and kept the payment, therefore reporting that it was late is incorrect. We paid the payment as agreed and were not notified of the change that Quicken made. Quicken did not send our payment back stating that they do not take partial payments, they kept the payment therefore they can not say it was late as they had the payment nor were we notified appropriately that the escrow was changed to make the changes in a timely manner to prevent an underpayment.
Consumer complaint received 2018-12-01
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: TD BANK US HOLDING COMPANY (CA)

XXXX has been non-compliant with removing the unverified account TD AUTO FINANCE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that TD AUTO FINANCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX ( ORIGNAL CREDITOR XXXX  ) account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
Consumer complaint received 2024-10-31
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. (IL)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (FL)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-08
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. (MA)

I sent in a XXXX request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations. 

Inaccuracies : Date opened High Credit Credit limit Last Reported Date Last Active Date of Last payment In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 2018-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and Bank of America still has the account frozen. Bank of American says it is XXXX XXXX and XXXX XXXX  says it is XXXX. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is XXXX.
Consumer complaint received 2018-12-01
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: EQUIFAX, INC. (FL)

See attached document! THIS IS NOT A DUPLICATE ; THIS IS IN RESPONSE TO MAIL THAT I JUST RECEIVED FROM THEM BASED ON MY RECENT COMPLAINT. Equifax ignored CLEAR VIOLATIONS that I not only outlined in my other complaint, but that I also PROVIDED TONS OF SUPPORTING DOCUMENTATION FOR!!! They are wasting my time using automated robots to do my disputes instead of having a human being actually pay attention to my disputes! I just got mail a day ago talking about the disputed accounts are 'verified ' and 'updated ' DESPITE THEIR INCORRECT INFO AND VIOLATIONS. For example : accounts reporting OPEN AND CLOSED, CONFLICTING DATES, CONFLICTING INFO in other categories, RE-AGED ACCOUNTS, and more!!! My ID & SS card are included.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX potential landlord for apartment I applied for ; requested my Experian Credit Report through Experian XXXX I paid {$19.00} for this service although I have the Free membership in my cell phone to view my credit. My credit score is XXXX so I shared that w/Landlord. After I shared my report it said my score was XXXX I was immediately denied the apartment due to low score. Experian XXXX in XXXX XXXX confirmed my credit score was XXXX. And said they were not familiar w/Experian.XXXX  transferred me to member services where I provided my credit card number in order I was told to confirm I paid {$19.00} to them. When confirmed I was told to email Experian XXXX for concerns. Denying they were the same agency although my credit card charge showed Experian XXXX XXXX.
Consumer complaint received 2018-11-30
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: Diversified Consultants, Inc. (GA)

I have sent a letter to this company about a debt that is not mine. I have never had service with them. I received a letter from the credit buro that it was mine but never received any documents from them that proved it was mine.