davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (IL)

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 XXXX party. They in fact did not come from a XXXX 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.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (FL)

After reviewing my credit report, I noticed there were several accounts listed that do not belong to me. I've never heard of these companies reporting on my report nor have I given them my personal information. Here are the accounts listed below : XXXX XXXX XXXX Bal- {$0.00} Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Bal- {$1300.00} Opened : XX/XX/XXXX XXXX XXXX of XXXX Bal- {$2400.00} Opened:XXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bal- {$2700.00} Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Bal- {$1300.00} Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bal- {$720.00} Opened : XX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (PA)

Charges were made on my card without my knowledge. I had disputed the charges where I was issued a new card. After receiving my card I had not activated it for approximately XXXX weeks. On the day I had attempted to activate it I was unable. I called the office and was told that they would investigate the issue. I found a few days later in a text that my account had been closed. I called and asked why since I have never missed a payment. I was told that this was their decision and once it is closed it can't be reopened. I was also told that I would receive an email outlining their decision. I was then given an email stating the same answer, but not as to why it had been closed. 

Upon further investigation I have found that my account had be reopened and then immediately closed. I have taken screen shots of my account and its payment history for evidence if requested.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX continue to violate my consumer rights under the Fair Credit Reporting Act. There are several names and address listed that do not belong to me. I have previously disputed this same information with the consumer agencies and they have claimed to have verified the information and it will remain. I didnt receive any documents or further explanation as to what they used to determine the information was correct. I would like each consumer agency to accurately reflect my information so that I am not denied for credit which is also a violation of my rights. My name is XXXX XXXX my address is XXXX XXXX XXXX  XXXX GA XXXX there should be no other information listed on my consumer report. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

I was approved for a secured card back in XX/XX/2019 and This required that I pay a {$300.00} security deposit which was debited out of my personal account. I received the card and welcome kit in the mail. Shortly after I needed to fill out another IRS form for additional information and ultimately the card was cancelled and closed saying they couldn't verify personal information after receiving this phone call and email I said okay how soon will I get my security deposit back and they assured me with in that it would be expedited within 10 business days. It has been almost 2 months now and I have yet to received my security deposit back and I have called every week for the last 5 weeks to get the status and they continue to give me the run around about refunding my security deposit. in this process I have lost 11 points on my credit scores and have an inquiry which they stated from the very beginning it wouldn't affect my score and a derogatory remark for the account that was never used
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

I am writing to formally report the persistent and unlawful debt collection practices being conducted by Portfolio Recovery. Despite my repeated efforts to resolve this matter and demonstrate that the alleged debt is not mine, I continue to be harassed by their company. 

To provide context, I have been living in XXXX, XXXX since XXXX and have not opened any credit cards or incurred any debts during this time. I have provided Portfolio Recovery with proof of my residence and financial history, including bank statements and a letter from my employer. However, they have continued to contact me at extremely inappropriate hoursspecifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time ( XXXX ) which is causing significant distress to me and my family by waking up my children in the middle of the night. 

Despite my compliance in providing the necessary documentation and repeatedly explaining my situation, Portfolio Recovery has refused to acknowledge this and continues to harass me. This behavior is not only unprofessional but also in violation of fair debt collection practices. 

I am reaching out to you in hopes that you can assist in stopping these unlawful actions or guide me on the next steps I should take. 

Please advise on how I should proceed or if there is any action you can take to assist in resolving this matter. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-09-26
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)

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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)

I was a XXXX trafficking victim and a victim of identity theft. I sent information, FTC Identity theft report, police report, affidavit, to TransUnion about fraudulent inquiries resulting from XXXX trafficking and ID theft i.e. XXXX. XXXX  XXXX XXXX XX/XX/year>2024 XXXX. XXXX XXXX XXXX. XX/XX/year>2024 This information was not blocked in four days per 605c of Fair credit reporting act. TransUnion has failed, refused, to block this information and is in violation of fair credit report act
Consumer complaint received 2024-07-09
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (IL)

Robinhood chose to close my brokerage account on XX/XX/scrub>XXXX XXXX XXXX 
I was being told they would return the remaining balance of {$5400.00} to either my debit card or my checking account. 
I contacted them today with this matter today. They asked me to provide the bank statement associated with the brokerage account. I submitted. 
Then they sent me an email " As you were previously made aware, we will no longer be able to support you as a customer here at Robinhood. ... ..Please note that this decision remains final and no additional information will be provided. ''
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (NJ)

I am writing to formally dispute several unauthorized inquiries listed on my credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my knowledge or consent, and I am requesting their immediate removal.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I received an email stating USAA was offering a {$200.00} account opening bonus. The offer was stated to expire on XX/XX/year> and the account was applied for on XX/XX/year>.. USAA sent multiple requests for identification and/or other documentation. All requests were responded to with the requested documentation within XXXX hours. It turned out that USAA did not update the correct contact information when they were instructed to do so prior to this interaction. Due to their own failure to update legal contact information, USAA did not officially open the account until after the offer expiration date. USAA stated they would not issue the account opening bonus due to the " promotion expiration. '' However, the delay was not due to my error in any way. USAA needs to honor the account opening bonus payment as I met the terms of the offer by my application prior to the expiration date and meeting of the other required criterion.
Consumer complaint received 2024-09-23
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 have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I recently requested a quote from another insurance company due to the rising homeowners insurance rates in Florida. However, I was informed that they could not offer me the originally quoted rate due to a claim reported on my homeowners insurance. I want to clarify that no such claim was ever made by me. 

Upon disputing this with LexisNexis, XXXX responded by insisting that the claim was valid, stating that my inquiry about whether jewelry was covered under my policy was counted as a claim. This is incorrect. I never filed a claim ; I merely called to ask for information. In fact, one of the XXXX agents I spoke with confirmed that there wasnt even enough information to file such a claim. I specifically informed the representative during that call that I was not filing a claim, and she assured me that it would not be recorded as one.

This false claim has now resulted in my homeowners insurance rate nearly tripling from what it was XXXX years ago. I have filed another dispute with LexisNexis and am currently awaiting the results. In the meantime, I am unfortunately left with the burden of paying an outrageously high insurance rate due to this nonexistent claim.
Consumer complaint received 2022-07-13
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. (GA)

On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified Letter indicating the Payment Status was still reporting inaccurately. Equifax refuses to correct and update the Payment Status for the account XXXX XXXX XXXX The Payment History has been updated to no late payments but the Payment Status is still incorrect.
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc. (SC)

On XX/XX/XXXX I received a letter in the mail from Essex Mortgage, the servicing company, saying my partial claim is now denied since they didn't receive my partial claim package back and now at this time it is deemed to be expired. This is a false hold. I am the customer, it is not my job nor will it ever be my job to be both the customer and the employee. I do not work at Essex mortgage. It will never be my responsibility to locate documents that was clearly delivered to them. They are apparently unwilling on purpose, to do their jobs, which means they are stealing time away from the company and should be fired immediately. They approved me for a partial claim to put all my missed payments to the back of the loan from the forbearance expiring. The partial claim was fully approved, the paperwork sent to me via priority mail, with a return label. The completed all the documents, had them notarized and sent back a to them on their return label. Instead of searching for the documents after they were clearly delivered to them they want to send me a notice saying my partial claim is now denied. It seems like they are trying to find everything they can do to try and torture me and cause me pain and suffering. I told the rep that they usps service some times tampers with my Mail out here, which is a federal offense, once provened, but it seems like they are taking that information and trying to falsely use it. Armed with that information they thought they would play this game to say they didn't receive the documents when it clearly shows they did receive the documents. I mailed them on XX/XX/XXXX, they received them on XX/XX/XXXX. It was delivered to their location. It is their job to find out what happened to the documents but instead of doing that they want to tell me my partial claim is now denied. This is unfair, unscrupulous and clearly unethical practices. They are really pushing the envelope trying to see how much they can get away with. I am flabbergasted. I should not be surprised. They don't seem to care if you file a complaint against them they become defensive when you do. They will act like they are trying to help once you complaint about them but they still seemingly haven't changed their ways of doing fair and ethical business. Normally they would send next day label to send it back this time they sent it priority mail with return label priority mail instead of the next day. Either way, it was returned to them at their location on XX/XX/XXXX. It is their responsibility to locate those documents. I have already been in discussions with someone regarding their practices as this is causing me unnecessary time away from working and stress and pain and suffering. Enough is enough. They are really trying to push the envelope to see what they can get away with. Look at all the online reviews about them. Didn't think I would be going through this with them but here we are.
Consumer complaint received 2024-10-30
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: Credit Control, LLC (CA)

The collection agency fail to verify this debt by providing the original contract and a copy of my original signature. The agency name is credit control llc. Phone number XXXX XXXX. This company bought the debt from XXXX XXXX.
Consumer complaint received 2023-10-05
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. (IL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX 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 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 XXXX XXXX
Consumer complaint received 2024-09-27
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. (ME)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.