davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX  XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXX XXXX XXXXThis inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 ( b ). 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681 ( b ). 
XXXX XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681 ( b ).
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (KS)

On XX/XX/year> around XXXX my Robinhood account was hacked and I was unable to change my passwords and the features were locked after multiple attempts. As a result, many unauthorized transactions over 40 transactions occurred over the period of XXXX XXXX on the same day until XXXX XXXX  the next morning on XX/XX/year>. I called and emailed multiple times and the theft could be stopped but Robinhood took no action. They finally got back to me on the evening on XX/XX/year> to unlock my account. I lost over $ XXXX. I have all the records of phone calls, emails that I tried to contact Robinhood during the theft but I was unable to do anything while the crime was happening
Consumer complaint received 2024-10-22
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. (SC)

I have sent these companies on multiple occasions my new mailing address as well as physical address. They refuse to remove any other addresses associated with my account. I've attached a copy of my license and my current utility bill below.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (MA)

I had asked Central Mortgage Company to review my credit dispute after I received notification for missing a monthly payment. I have an impeccable history with this company and had never made a late payment. I recently refinanced and ended up with Central Mortgage again for my loan. When I refinanced, my auto payment was no longer in place. I was surprised to hear I had missed the monthly payment, since I thought I had still been enrolled under auto payment. I described this in my letter of dispute. However, Central Mortgage replied by not even looking into my history. They declined my request to rescind thr notification to the credit bureaus despite my calling on the XXXX day and explaining the mixup. In the letter of reply only, Central Mortgage only mentioned that I was not enrolled in auto pay, therefore I should be held responsible. Why did Central Mortgage not review my prior history with their company ( just prior to refinancing )? It 's evident this was only a cursory review of my dispute. This is simply unfair based on my impeccable history and consistent enrollment in autopay. Thank you for your review and I look forward to a fair resolution of this matter.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NE)

On Wednesday XX/XX/year> at XXXX, I called US Bank XXXX XXXX ) to inquire on my XX/XX/year> credit card statement. 
My account summary was as follow : previous balance : {$84.00} payment {$84.00} purchases {$1000.00} new Balance {$1000.00} {$7.00} INTEREST CHARGED on XXXX I confirmed my payment of {$84.00} was not late. 
I confirmed with the representative that the interest charge was correct. 

Since the statement date was XXXX, they are charging me interest on purchases for items that they had not even included on the last statement.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Frequently, if not monthly, I have to call the Credit Bureaus, XXXX Equifax and XXXX to request they update my credit score and/or data. 

Although, I am paying my bills on time and maintaining my credit utilization, and am mindful of other positive impacts, unfortunately, for the last 4 months Equifax and XXXX have not updated my XXXX credit score. 

This is causing me emotional distress, and potentially a financial hardship, because I am trying to secure financing for a car and would have to pay a higher interest if my credit scores are not reflecting changes. I do not own a car and am having to walk or pay for XXXX. Since I am laid off and medically ill, it would help me to secure financing to buy a small affordable car.
Consumer complaint received 2024-10-21
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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (GA)

Student loans from Edfinancial in the amount of {$3500.00} From XX/XX/year> another in the amount of {$2800.00} From XX/XX/year> in amount of for {$620.00} from XX/XX/year> another in amount of {$2800.00} from XXXX XXXX XXXX in the amount of {$1700.00} are fraudulent and are not in consent of me along with fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-09-28
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)

I am writing to request the deletion of specific information from my file. The items I am disputing are listed in the attached report. I am a victim of identity theft, and I did not authorize the charges in question. I have reported the theft to the Federal Trade Commission, and I have enclosed copies of the FTC Identity Theft Report and Affidavit. Please remove these items from my record as soon as possible.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

I am writing to provide a formal statement regarding certain accounts listed on my credit report that I believe to be fraudulent. I wish to make it clear that I have no knowledge of, nor have I authorized, any of the accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX Account Number : XXXX I assert that this account was opened without my consent or knowledge. I have not received any correspondence or notifications related to this account, nor have I engaged in any transactions or agreements with the entity associated with it. 

I take my financial responsibilities very seriously and have always been diligent in managing my credit. The presence of this fraudulent account on my credit report is distressing, as it does not reflect my financial behavior or obligations. 

Responsibilities of Credit Bureaus When Identity Theft Is Reported Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have specific responsibilities when identity theft is reported : Investigate Disputes Promptly : Upon receiving a dispute regarding fraudulent accounts, the credit bureau must conduct a prompt and thorough investigation into the accuracy of the disputed information ( 15 U.S.C. 1681i ).

Block Fraudulent Information : If the dispute is substantiated, the credit bureau is required to block the fraudulent information from the credit report within 4 business days of receiving notice of the fraud ( 15 U.S.C. 1681c-2 ).

Provide Written Confirmation : The credit bureau must provide written confirmation once the fraudulent information has been removed from the credit report and inform me of the outcome of their investigation.

I have already taken steps to address this issue by disputing this account with the credit reporting agencies and providing necessary documentation to substantiate my claim of fraud. I respectfully request that this account be investigated thoroughly and removed from my credit report as per the legal obligations of the credit bureaus.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

As a victim of debt bondage, a severe form of human trafficking. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX XXXX OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account XXXX XXXX DEPT OF EDUCATION/XXXX account # XXXX XXXX OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF HUMAN TRAFFICKING IN PERSONS OR SEX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. CFPB-2022-0023 | RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NM)

When my income dropped significantly I contacted Chase, my mortgage company in XXXX XXXX to apply for mortgage assistance and submitted all requested documents. On several occasions following the initial application I was contacted by XXXX XXXX requesting additional documents - which I supplied in a timely manner. In XXXX XXXX I was informed by XXXX XXXX that all documents were complete and he was forwarding all information to the underwriting department and I would receive a response and multiple resolutions within 30 days. 
In XXXX XXXX XXXX XXXX contacted me once again requesting more information and a new application - which I supplied. When he received all documents, he assured me once again that my application was complete and all documents were being forwarded to the underwriting department. 
Today, XXXX/XXXX/XXXX I received yet another request from XXXX XXXX to replace and clarify previously submitted documents. It is now my contention that either Chase does NOT really have a program for mortgage assistance, or people like XXXX XXXX are employed to obstruct the application process of each applicant. I have continued to make my mortgage payments each month, yet have been repeatedly lied to by XXXX XXXX. I wish to submit this complaint and will also file a complaint with the New Mexico State Attorney General 's office, and explore a lawsuit against JP Morgan Chase & Co.
Consumer complaint received 2024-07-29
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. (WA)

Despite my previous three written requests, the unverified items listed below still remain on my credit

report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-29
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)

Good morning I received three letters from three separate banks stating I applied for a credit card and I got denied. I never asked for those credit cards. Im a XXXX XXXX. I have my regular bank XXXX card. I dont know whos applying for these credit cards if it has something to do with a credit check, I went to the bank and they said there was nothing they could do. I just wanted to make it noted to them so my next option was to try to get help from you people Id really appreciate it. I dont want my credit to be awful now because they say that I applied for these credit cards and I did not hope you can help. Thank you so much XXXX XXXX.