davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (LA)

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 XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-20
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. (TX)

Consumer Name : ( XXXX XXXX XXXX XXXX XXXX XXXX  : ( Private XXXX  ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-10-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (FL)

On XXXX XXXX XXXX I terminated my total services with XXXX, and returned all of their equipment to their local office. The local office told me that I would receive a credit and would be mailed a Final Accounting by mail which I never received. I continued to look at my on line account and saw various charges appear changing from time to time with no explanation. 
On XXXX XXXX XXXX, I called XXXX accounting dept. and had a phone recorded conversation with a representative who referred to herself as XXXX. After much discussion, she told me that the balance on the account was XXXX Thinking it was settled on XXXX XXXX, XXXX I received an inquiry from a collection agency XXXX XXXX XXXX XXXX ( XXXX ). I responded in writing and sent them documents. Did not get a written response and then called them and they said they were still processing and would get back to me which they never did. I then saw they had contacted XXXX to affect my excellent credit rating. I disputed it with them XXXX XXXX XXXX  and after their investigation it was deleted from my credit report. No further inquiry from XXXX. 
In XXXX. I received another Written inquiry from another collection agency XXXX  Accounts System ( XXXX ) about the same issue. I responded by mail with the information I received from XXXX and since have received numerous phone calls from XXXX  which I have not responded except to tell them to respond to my written reply. To date no written reply. 
To date no one has ever responded to the discussion I originally had with XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-20
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. (OH)

I am writing to file a formal complaint regarding the failure of the credit reporting agencies to remove adverse information from my credit report despite my status as a survivor of hXXXX XXXX, and my previous submission of the necessary documentation in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a survivor of XXXX XXXX I am protected under FCRA Section 605C, which mandates that credit bureaus block and remove adverse credit information related to fraudulent accounts or debts incurred as a result of my XXXX situation. 
On [ date ( s ) of previous submissions ], I mailed the required documents, including proof of my XXXX status and identification of the fraudulent accounts. However, despite complying with all the requirements, the credit bureaus have failed to take the necessary action to block and remove this information from my report. The continued presence of these inaccuracies is causing significant harm to my financial recovery, and it violates my rights under FCRA Section 605C. I am requesting the CFPBs immediate intervention to ensure that the credit bureaus comply with their legal obligations and remove the adverse information from my credit report.
Consumer complaint received 2023-09-11
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. (PA)

I XXXX XXXX have XXXX fraud account still appearing on my credit report all the others listed in the FTC report were removed. 


XXXX. XXXX XXXX XXXX {$7600.00}
Consumer complaint received 2024-09-20
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. (CA)

I am victim of identity theft and XXXX XXXX debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC (NC)

I originally purchased my home with Rocket Mortgage in XXXX. The address is : XXXX XXXX XXXX. 
XXXX, NC XXXX. 

Following several years of ownership, the pandemic began and I had a reduction in earnings. Between XXXX adn XXXX I was advised by Rocket Mortgage to sign XXXX loan modifications disguised as assistance to the mortgage during financial distress. What was not disclosed was that these funds would then in turn need to be repaid while still owing the original amount- doubling the amount due. When selling the home in XXXX this came up with me needing to cover an additional {$43000.00} to the FHA as a second mortgage. I was never disclosed of the way these funds would end up being paid double and this is a clear predatory lending tactic.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The account that is in serious consideration is XXXX XXXX XXXX that was Last reported on XX/XX/year>, as closed. The account age of this account is 15 years and 6 months before it was closed. I am XXXX years old. How on earth, can I open a rental agreement with XXXX XXXX XXXX and then close the account in XXXX of 2023? This means I must have opened the account when I was XXXX years old. This is not my account, and I did not know this account.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-20
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-12
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. (IL)

I am asking for your help with the false information listed on my credit report. This situation has seriously damaged my reputation, and I need your intervention. The way my credit report was managed has brought me to a challenging place, and my reputation has been hurt because of your reporting errors. You need to correct these mistakes so I can move forward with my family.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (MD)

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, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-20
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. (IL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balanced {$4000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-30
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)

Ive filed a FTC fraud report. I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. I filed a FTC report and I called each collection agency and requested a purchase agreement they werent able to provide. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax Corporate, I have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it.

My Equifax credit report shows an account from XXXX XXXX  that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account.

This appears to be the last erroneous account on my Equifax credit report. Once it is removed, I will return to a more average credit standing.

Thank you for your time and assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive recently checked my credit report and noticed inquires that were not authorized by me. 
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 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (CT)

I am writing to formally file a complaint against TD Bank, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, regarding unauthorized transactions and the subsequent mistreatment by bank representatives. I believe TD Banks failure to adhere to security protocols resulted in a significant financial loss and has caused me substantial distress. I am seeking your assistance in investigating this matter. 

On XX/XX/year>, I discovered that a third party had changed my mailing address on file with TD Bank, ordered a checkbook, transferred funds from my savings account to my checking account, and withdrawn approximately {$53000.00} from my accounts using checksall without my knowledge or authorization. I did not request or authorize these actions. 

Upon discovering the fraudulent transactions, I immediately reported the issue to TD Bank staff and subsequently filed a police report with the XXXX precinct, following the banks guidance. Initially, TD Bank assured me that an investigation would be conducted. XXXX months later, a TD Bank XXXX informed me that my funds would be returned. However, when I checked my account, only {$19.00} remained, and the promised funds were not restored. 

When I asked the bank staff for an explanation, they responded dismissively and showed no willingness to assist further, despite my ability to provide the fraudulent address that appeared on the stolen checks. They informed me that the investigation was closed, refused any compensation, and indicated that I could pursue legal action if I desired, suggesting that they had no intention of taking further action. 

I am deeply concerned that TD Bank allowed someone to alter my account information and withdraw funds without verifying their identity. This negligence has left me financially impacted and frustrated with the banks lack of transparency and accountability. I have never authorized anyone else to access or change my account information, and my identification has remained in my possession at all times. 

I am requesting your assistance in : XXXX. Investigating TD Banks handling of this case, specifically the lack of identity verification in the address change and check issuance processes. 
XXXX. Compelling TD Bank to return the stolen funds and explain how this breach of security occurred. 
XXXX. Holding TD Bank accountable for the inadequate customer support and communication from their staff. 


Please find attached copies of all relevant documentation, including the police report, bank statements, and correspondence with TD Bank representatives. 

Thank you for your attention to this matter. I trust that your agency will ensure TD Bank takes the necessary action to address these issues.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Consumer complaint received 2024-09-18
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. (LA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmatio
Consumer complaint received 2024-09-21
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.