davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MS)

Ive found discrepancies on my credit report related to 15 USC 16c-2. The inquiries appearing were not authorized and are damaging my credit. Kindly remove any unauthorized hard inquiries. Thanks!
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit report agencies are all reporting and interpreting my students loans as late. I have been on a Income Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts
Consumer complaint received 2021-10-20
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. (NV)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously, has caused financial injury and defamation of character along with 60 plus days of no response
Consumer complaint received 2021-10-20
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: Experian Information Solutions Inc. (NC)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XX/XX/XXXXXXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XX/XX/XXXX ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX,XX/XX/XXXX XXXX ( {$0.00} ) # XXXX, XX/XX/XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I subscribed to XXXX online bookeeping service on XX/XX/2021. As part of my signup, I elected to have my monthly charge automatically deducted from my bank account by XXXX. 

XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - my {$9.00} monthly fee was withdrawn from my account by XXXX XX/XX/XXXX - a {$10.00} monthly fee was withdrawn from my account by XXXX ( for a second service I had not ordered ), XX/XX/XXXX - I called XXXX and terminated my subscription. I also pointed out the {$10.00} charge was incorrect, as I had not ordered an additional service. 
XX/XX/XXXX - XXXX refunded the {$10.00} back to my account. 

All of these transactions were done automatically by XXXX. 

I got a letter around XX/XX/XXXX from collection agency Complete Payment Recovery Services IncXXXX XXXX XXXX XXXX XXXX, claiming they were collecting for XXXX the amount of {$10.00}. I spoke to XXXX who told me my account had been paid in full each month and I was not in arrears. They also told me they never submitted any claim to the above collection company, and would never do so for a new customer, for such a small amount. They advised me to simply ignore the letter, which I did. 

Since that time, I have received a second notice from the collection company on XX/XX/XXXX. 

I am including documentation of all transactions with XXXX, as well as the 2nd collection agency letter.
Consumer complaint received 2021-09-29
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. (FL)

Ive had an ongoing issue with Experian and there lack of investigating disputes theres an account from XXXX thats still reporting on my credit eventhough Ive told Experian a thousand times its not my account. XXXX and XXXX have removed the account but its like Experian has a loyalty to the agency. Not to mention each time Ive contested this account Experian reported my late damaging my score why? Because I want them to honor my rights as a consumer this accounts doesnt belong to me please remove.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.
Consumer complaint received 2021-10-08
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: Experian Information Solutions Inc. (DC)

I wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX
Consumer complaint received 2021-10-08
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. (DC)

I wrote letters to have the alleged debt validated and it was not validated within 30 days Then, I demanded that the inaccurate reporting 's be removed from my account and they were not. In fact, the consumer reporting agency did not delete the accounts but instead reopened them and attempted to recollect. Accounts provided below : Accounts : Date Opened : Alleged Debt : US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX
Consumer complaint received 2021-09-29
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: Experian Information Solutions Inc. (PA)

I have been writing in and calling explain that i am a victim of fraud I do not have an account with this company and its been almost four months of me waiting on proof of validation. they can not provide it and I still have the issue of false reporting on my credit reports which is offensive and in violation of my rights.
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

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: 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. (CA)

I sent a letter regarding inaccurate info and unknown things being on my credit report XXXX, XXXX, And equifax days ago .I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (SC)

On XX/XX/2021 I received electronic notification that my mortgage servicer had made a disbursement from my escrow account for flood insurance. This wasn't in the timeline of previous escrow expenditures. What was disconcerting is the current policy is still in effect today, XX/XX/2021 and expires XX/XX/XXXX. The premium paid included a increase in the premium, which I had not yet received, reviewed or had the opportunity to make changes. On or around XX/XX/XXXX I asked the servicer help desk why the disbursement was made 60 days before expiration of the current policy which I had yet to receive. Rocket Mortgage did not respond immediately and I followed up with a phone call. The " explanation '' was to allow for mail delivery which I think is not acceptable because Rocket Mortgage made the disbursement the same day they received a electronic invoice. By engaging in what is an internal policy they denied me the expected and reasonable opportunity to review and make changes to the policy. Which is what happened post expenditure. The fact that these changes were made and completed PRIOR to XX/XX/XXXX belies the reason for making the early disbursement. XX/XX/2021 I received notice from Rocket Mortgage that they have made my homeowners insurance payment and again there is a premium increase that I need to review and make changes. The payment was again made the same day they received the electronic invoice. The policy expires XX/XX/2021. As a retiree I review any increase in all of my expenses as the common refrain from the organization is.. '' it's only $ amt ''... not understanding across the board increases add up and can and do have financial and economic impact. I was told in a XX/XX/XXXX phone conversation with Rocket Mortgage resolution agent the complaint would be escalated but I'm not confident this will stop the practice. I need to make changes but as of today I have not received my renewal mailed XX/XX/XXXX by the insurance company.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (WA)

I had a Bluebird American Express card from XXXX in the name of XXXX XXXX. My sister XXXX XXXX who lives in XXXXXXXX Arkansas stole my card and has stolen several checks from me via USPS mail. Deposited them onto that card and spent my money.
Consumer complaint received 2021-10-08
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: Mr. Cooper Group Inc. (FL)

I spoke with MR.COOPER ( my current mortgage lender ) on XXXX regarding their current home refinance rates. I notified the individual on the phone that I was already working with another lender for a refinance, and I was just looking to hear from MR. COOPER about what they could offer. The individual on the phone asked me some questions about home value and income, but presumably already had my SSN and other information about me because they're my current lender. I became extremely uncomfortable when XXXX XXXX ( the agent on the phone ) asked me to sign something that she had just sent over via email. I told her that I was merely looking for what rates they had ; not to fill anything out. I ended the call. She called me back repeatedly, but I was not interested and not comfortable with speaking with her any more. Then, on XXXX, MR COOPER pulled my credit for a hard inquiry for a mortgage, to which I never consented. In addition, they damaged my credit score, causing it to decline by a few points, which is now an issue for the loan that I have in underwriting. I at no time gave consent or filled out an application. I have received emails from MR. COOPER during the week of XXXX about signing loan disclosures. I did not apply for a loan, and my credit was pulled without my consent.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company (TX)

This is a complaint regarding my 2nd mortgage. I have requested to have my mortgage refinance with my current lender. When I had requested the refinance previously I was told they would only subordinate for a refinance to my primary lender and not to another lender. So I am now trying to refinance with my primary lender. However, my primary lender has made the request and been declined. When I called to discuss it with the lender they tell me no request has been made. However, my lender has provided evidence that they have made the request and been speaking with them for some time. This has cost me a lot of additional money as I havent been able to refinance. This process began 4 months ago without my current lender, but the original request was made over a year ago. They have acted in bad faith and poor record keeping by changing reasoning for declining the subordination and not being aware of the subordination requests.
Consumer complaint received 2021-10-20
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. (TX)

On XX/XX/2021 I sent certified mail to Equifax advising them of me being a victim of Identity theft and I do have the Certified Mail receipts. It has been over 30 days since EQUIFAX received my correspondence which contained my VALID DRIVERS LICENSE, Notarized FTC ID THEFT AFFIDAVIT, FTC Report and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.
Consumer complaint received 2021-11-01
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: Experian Information Solutions Inc. (MS)

Yes This Not Me So, You Need Verify the Your Incorrect Information .Please Contact me thur CFPB, I Will Attach Incorrect Information letter from XXXX XXXX XXXX and I have enclosed a copy of my driver 's license and utility bill as proof of identity.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
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 — Public record information inaccurate
Company: LEXISNEXIS (KY)

The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' Lexis Nexis is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate.

Lexis Nexis has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.
Consumer complaint received 2021-10-08
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: LEXISNEXIS (TN)

I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, LexisNexis ) and the Creditor ( Bankruptcy Chapter 13 ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via LexisNexis or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately