davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (SC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-17
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. (SC)

XXXX XXXX, XXXX, XX/XX/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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 INQUIRIES 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US 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 2024-10-17
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. (TX)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (AL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-10-17
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. (NV)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-17
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. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened the account due to a {$400.00} promo ad I had received from Regions. Account was opened on or around XX/XX/2021. I received a welcome email from a relationship manager on XX/XX/2021. 

Regions is denying me the promo because I did not make the transaction in 30 day period and that I was late. However, the lateness is not due to my fault as there were issues with Regions Bank and/or USPS that were outside of my control. 

First off, I did not receive the debit card on time. I received my debit card around XX/XX/2021 which reduced the number of days I had to make the required number of transactions. With there being COVID, I could not leave the house either to make my regular purchases. 

Second, realizing that I would not be able to leave the house, I made 17 small transactions to fulfil and exceed the limit set by Regions for the number of debit transactions. However, unknown to me, while the transactions were made within the 30 day period ( and 12 days if you count the time since I received the debit card ), Regions bank did not post those transactions until after the deadline had crossed. 

I am attaching screenshots of transactions I made showing that the merchant processed those transactions on time. 

I am attaching screenshots of transactions showing the transactions were made before the deadline. 

I have asked Regions bank to reconsider the denial and escalated the issue also but it was denied due to a 'banking regulation '. Based on my experience, there have always been exceptions specially when the card itself arrives late. I hope you can ask Regions Bank to reconsider the denial.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX -- Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-09-28
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: Experian Information Solutions Inc. (NY)

This inquires are not recognize ir authorized. XXXX XXXX reporting inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Back in XXXX I submitted my complain to the company and they still are half doing their jobs. XX/XX/XXXX I submitted a FTC and a CFPB to the company about fraudulent activity on my account. I wanted inquires removed off of my credit file that did not belong to me. Luckily there were no account opened, but inquires did appear on my credit report. In the first CFPB the company removed some, but not all of the inquires. To only half complete my claim is unfair and unlawful to me. Please rereview this information and correct the missing information or provided the results of the first investigation stating that these inquires should remain on my credit file. 

I have resubmitted the documents with highlighted the missing inquires that they failed to remove. As well I will list them here : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Notification of results must be provided and it is extremally unlawful to not provide the results of your investigation. Hopefully this time we will not have to have the same results. 

Attached are the original documents provided with the first CFPB and the original FTC. Along with the results of the first CFPB.
Consumer complaint received 2021-09-08
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. (DC)

My complaint is about Experian credit bureau. 

I disputed an account error on my Experian credit report. The accuracy of my ( XXXX ) account status was incorrect and I have corresponding paperwork from XXXX and my insurance company to reflect the account as paid. 

The XXXX account has been removed from my XXXX and XXXX credit reports. However, Experian has made no changes. If the account was properly investigated then this would not be the case.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (TX)

I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.
Consumer complaint received 2021-10-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (CA)

I am a victim of fraud and misrepresentation on or about XX/XX/XXXX. 
1. At the time of the contract, I was unemployed without any possibility to pay any debts. 
2. A non-homeowner income was used for qualifying purposes. 
3. I never received the alleged rebate that was promised to me at the time of the contract. Since the rebate was not given the payment of the solar panels increased and I was unable to keep up with the payment causing me to fall behind on payments. 
4. I was never notified that any electricity that was used beyond the capacity of the solar system would be charged by XXXX at end of the year. 
5. On or about XX/XX/XXXX, a solar company representative of the solar company came to my house turned off the solar system, and installed a lockbox terminating any further use of the solar panels. 
6. When they locked the system, I contacted the solar provider to arrange a payment option which they declined and said I had to pay it in full or it would go to collections. 
7. The solar system was installed on my roof knowing my roof needed to be replaced. 
8. Two licensed general contractors of the State f California inspected my home shortly after the installation of the solar equipment and certified that the roof needed to be replaced and a nominal fee to uninstall and install the system after a new roof was installed ( estimate available upon request ). 

Be advised the process to qualify for this solar panel was fraudulent. I have never been able to use any of the solar panels since they were installed.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I NEED HELP TO RESOLVE THIS PROBLEM I HAVE FRAUD PROBLEMS WITH MY DOCUMENTS AND I DON'T KNOW WHO DID THIS I NEED FOR THAT COMPANY TO DELETE THAT FROM MY CREDIT REPORT. 

ONE COLLECTION, AND TWO ACCOUNTS MADE VIA FRAUD. 

EXPERIAN : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXX XXXX  XXXX  XXXX  # XXXX
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Professional Debt Mediation, Inc. (FL)

I went through a credit repair company with the idea that I would only be charged when services were provided. Nothing was done on my credit and then XXXX XXXX XXXX put a collection account on my report for {$1300.00}. They did nothing for me except take my money and then tried to charge me even more. I requested a copy of my contract and they still have yet to provide me a copy with my signature.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX-Date of Inquiry XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CO)

XX/XX/XXXX and XXXX 2021 i made purchase for products that were never delivered, both of which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX , through a wesbite and company known as XXXX XXXX, with order numbers # XXXX and # XXXX which were made online at XXXX 

Both items were purchased with my " Cashapp card '', a prepaid electronic debit card issued by XXXX XXXX 

The purchases turned out to be a fraud scam, when i ordered the items XXXX had given a 5 week delivery time estimate. Then as that timeline was breached, i contacted XXXX to find out what the holdup was, XXXX had asked me to wait and have patience and told me that the graphics cards were late because they were stuck in customs, and then a fewks later they were saying they didn't know how long until they'd be released from customs and then when iade a 3rd contact over email, XXXX had said they were in litigation for the cards and didnt know when they'd be delivered and said they were not allowed to issue any refunds. 

Then on multiple occasions, starting XX/XX/XXXX, again on XX/XX/2021, i had attempted to contact XXXX XXXX through the cash app support email, and even filed a XXXX complaint against the bank because Cashapp/XXXX XXXX refused to take my dispute for the fraudulent purchases saying I had only 60 days to complain about the fraud and refused to chargeback the fraudulent purchases for the items that were never delivered. I was robbed nearly {$1400.00} and the Bank is playing policy games in order to unjustly enrich fraud companies and make internet purchases insecure so they can assist theft. 

XXXX is shut down and i can not contact them and they are not replying, i can not contact XXXX and CashApp XXXX XXXX XXXX were informed of this with my XXXX complaint and still refused to protect me and chargeback the fraud.
Consumer complaint received 2021-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I contacted Freedom Mortgage in XX/XX/XXXX and entered into a special forbearance due to financial hardship caused by COVID 19. In XX/XX/XXXX I contacted Freedom Mortgage to exit the special forbearance and indicated I could resume making my regular monthly payments and that I occupied my property. In XX/XX/XXXX I was sent an approval letter for an FHA modification and was denied an FHA partial claim because Freedom Mortgage incorrectly documented my occupancy status. I contacted the servicer and let them know I qualified for an FHA COVID 19 Partial Claim and that I was declining the modification. Two weeks later I received loan documents for the modification I declined. I then received an FHA COVID 19 Partial Claim approval letter in early on XX/XX/XXXX, the date that it needed to be signed and returned to Freedom Mortgage. I called and provided a verbal acceptance of the FHA COVID-19 Partial Claim on XX/XX/XXXX and spent {$55.00} to overnight the document back to Freedom Mortgage. From XXXX until XXXX I called Freedom Mortgage weekly for status of the Partial Claim documents. Each time I contacted them they told me different information. I repeatedly asked for the documents to be expedited since I had originally called in XX/XX/XXXX to come out of the special forbearance and they had made an error in the original evaluation process. I finally received Partial Claim documents on Friday, XX/XX/XXXX. I contacted Freedom Mortgage on Monday, XX/XX/XXXX to inform them I needed a notary to assist with the loan document signing. I was told that they forwarded my documents to their vendor and that a notary would be contacting me in a few days. I was also provided with the name of the company, XXXX Notary and a phone number. I then followed up on Saturday, XX/XX/XXXX and was told again that a notary would be contacting me. I contacted XXXX notary on XX/XX/XXXX to get status of my notary appointment. They indicated they had never received a work order from Freedom Mortgage and had no record of my loan in their system. I then contacted Freedom Mortgage on XX/XX/XXXX and spent 90 minutes on the phone to find out that the request for a notary had never been placed. Again I requested that my loan be escalated as I have been trying to resolve this for 6 months. I am concerned that my Partial claim will be at risk since the documents are due back on XX/XX/XXXX. I have asked twice for this deadline to be extended due to the trouble obtaining a notary but on each follow up call Ive been told that the extension request had also not been processed. Freedom Mortgages lack of customer service and inability to get a single thing right has extended my special forbearance for 6 months beyond what I intended. Their lack of process controls and failure to address client complaints is putting my Partial Claim and potentially my home at risk.