davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company (NM)

On XX/XX/XXXX I applied for two home refinance loans on my primary residence and a property I own in Florida with Freedom Mortgage Company. They ran a credit inquiry on that day to see what type of interest rates I qualified for. I proceeded forward with them and gave them permission to run that credit inquiry. The problem is I received another credit inquiry alert ( I have identity theft protection because I was employee by the federal government and now I support them ) on XX/XX/XXXX. Freedom Mortgage says they ran another credit inquiry on XX/XX/XXXX but I did not give them permission to run. I have been working with them since XX/XX/XXXX in which I got the alert and they still have not gotten back to me why they ran another credit inquiry. I have multiple emails and have escalated this to the management with no avail. I have told them that this affects me due to my security clearance and they just keep telling me that due to my high credit score it should not affect me. This is not the point, I did not give them permission to run the second inquiry and I have asked them to remove this from the 3 credit bureaus. I have still gotten no response and it is going over a month and a half now. I am not sure what else to do.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX  has since removed the information completely. However, XXXX XXXX AND Experian are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. Experian has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, Experian is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim.

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. Experian shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-18
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (LA)

Today I was notified for the first time by XXXX that there was a new collection account on my report. 

I attended XXXX University in XXXX and my account became delinquent in the amount of XXXX dollars on XX/XX/XXXX - I verified this today XX/XX/XXXX with the XXXX University billing office. I have a record of emails from XXXX trying to collect on this debt as far back as XX/XX/XXXX ( this is included ). 
In XX/XX/XXXX, XXXX University referred my account to Key 2 Recovery ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) for collections. Today, XX/XX/XXXX, Key 2 Recovery reported my account " date opened '' as XX/XX/XXXX, when they were given the account, not when it became delinquent - this is called " re-aging debt '' and I believe it to be illegal in this situation. I have paid nothing on this debt, have not and do not admit ownership, have not entered into any arrangement whatsoever with any entity concerning this debt. 
I called Key 2 Recovery today to inquire about the debt and the date of birth they provided as the debt owners did not match mine. Then I notified the debt collection representative about the false information being reported, she told me it wasn't her problem. When I told her that yes it was, that they were required to report accurate information she hung up on me. I called back and spoke to another representative whom I requested validation of the dates from and was simply told it was referred to their office XX/XX/XXXX, I was not given the delinquency date by any Key 2 Recovery representative today. 
The account information reported to XXXX is incorrect, incomplete, and it is COMPLETELY unethical that they would report unverified information. 

Along with this complaint I am reporting the FCRA violation with Louisiana Attorney General XXXX XXXX.
Consumer complaint received 2024-09-02
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. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-02
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I am a man who respects my financial obligation so all my payment, I pay almost 10 days before the due date my first pay it should be on XX/XX/2021, I paid it 5 days before the due date, I did payment online manually, and before I set up auto-draft, but I thought is not active yet. The mortgage company deducted the amount of {$130000.00}, and I paid {$100.00} for principals as extra. After they receive that payment, they deducted another {$1300.00} so deducted my mortgage for one payment twice, I call them to refund me back for the second payment, they regarded it as returned payment and added {$40.00} fees. They disable my account online, prevent me from paying my mortgage payment online. This company, sorry to say is not professional, very greedy, have no flexibility, lacking all rules and conditions which qualify them to be a good financial company.
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

Cash app what is the app and my dispute is a girl was over my house I was passed out sleeping she took my phone and locked it and transferred money from my Cash App account onto hers I tried to get my bank involved they told me to go to Cash App cash app tells me to get my bank involved now Im just going back-and-forth with both companies trying to get my money back that was stolen from me Ive been going back-and-forth with them for about a week and a half Street and its not right because I have the date the time of the transaction The girl sent it to her own cash app and multiple other attempts she got away with my total was {$170.00} taken from my account On XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

We received a letter denying a request for a credit card for Kohl 's department store ( Illinois ) for excessive obligations from outside sources. Supposedly, XXXX agency out of XXXX, Texas, was the decision maker concerning this issue. We are insulted!! We own two homes, two cars and a boat outright and have no credit card debt. Our income is over 6 digits. According to the letter, our credit score  is XXXX! Kohls is the loser. We will never visit that store again.
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my credit report and XXXX  and Transunion hasn't remove unauthorize inquiries on my credit report. 

XXXX XXXX XXXX  and XXXX XXXX was authorize in writing by me as I signed documents in person at business establishments. 

XXXX  and Transunion and credit companies doesn't have no written document of my signature of Authorization to pull my credit. I don't provide verbal consent or authorize online, on the phone. 

I am a Citizen XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 

Also add my former employer on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California94607 XXXX..XXXX email : XXXX I retired on Lifetime XXXX on XXXX XXXX. 
I was employed at XXXX XXXX  XXXX from XXXX XXXX till XXXX XXXX. 
Thank You for my accommondation of my ADA Disability Act under Department of Justice. 
With Honor and Respect Always!
Consumer complaint received 2021-02-20
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. (OR)

I filed a complaint last month about using my new credit card and how XXXX took 126 point from me. They still haven't corrected this and I used my credit card again spending XXXX dollars on a XXXX limit and both XXXX and Equifax took points from me two weeks after purchase. My credit was in good standing until I used this credit card from XXXX XXXX. I dont get how my credit is going down for using a card and no one will explain. I was planning on purchasing a new work truck but I can't now. 150 point down on XXXX  and 30 point down on Equifax just for using my first credit card.
Consumer complaint received 2024-10-18
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. (PA)

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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 : {$9200.00}
Consumer complaint received 2024-10-19
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-09-02
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. (OH)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-01
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. (GA)

XXXX In accordance with the Fair Act Credit Reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Account # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : Dpt EdXXXX Account XXXX XXXX Account name : Dpt EdXXXX Account # XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt Ed XXXX Account # XXXX, XXXX my information dates from being shared is XX/XX/year> until current date today
Consumer complaint received 2024-09-01
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. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX  filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2024-09-02
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$2900.00}, {$690.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 










2. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I can't believe it, but inaccurate accounts appeared on my credit report this afternoon for no apparent reason. I review my credit report regularly, and this time there were sudden discrepancies. I tried refreshing my browser to see if it was just a malfunction, but the errors persisted. I need the documents I've submitted to be checked in detail so I can stop stressing over this.
Consumer complaint received 2019-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

XXXX ( XXXX XXXX ) listed a used unlocked XXXX XXXX XXXX XXXX for sale at {$55.00} with {$5.00} shipping but waived shipping if I paid through square cash app using debit card. I paid {$50.00} through cash app on XX/XX/XXXX but still have not received the item and seller is not responsive. He even blocked me from requesting a refund through cash app on XX/XX/XXXX. I have tried to contact him but to no avail. I have filed a complaint through Cash app and XXXX XXXX and am awaiting a refund for non receipt of merchandise.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (GA)

In XXXX, I drove from Georgia to MA to visit my elderly mother. Many entities were conducting cashless tolls, including the Port Authority of New York and New Jersey. All of the signs I passed indicated that I would be mailed a bill. 

I never received a bill from the Port Authority, but several weeks ago, I received a letter, dated XX/XX/2021, from an entity called AllianceOne. There was scant information but it was trying to collect on a {$66.00} debt I purportedly owe to the Port Authority. The toll was {$16.00} and a fee was tacked on for {$50.00}. 

I called AllianceOne today to get information, fortunately, after I went to the Port Authority 's website. The website clearly states that the toll is {$16.00}, and the first late fee is {$5.00} after a month. After another month, they assess a {$50.00} late fee. I never received a bill. 

When I called AllianceOne, the person with whom I spoke on a recorded line said that the Port Authority does not have to send a bill, in case the person driving through the toll is homeless, and that it is my responsibility to call and figure out how to pay the toll over the phone. That is patently ridiculous and patently false. 

My guess is that the Port Authority and this company are working together, as the Port Authority is not sending bills, and then refers everyone for the extra {$50.00} fee, which they split with AllianceOne. This can't be legal. 

I wrote to AllianceOne today to dispute the debt and included a check for the toll amount, But they have to be ripping off lots of people traveling through the XXXX area. Please look into this.