davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CADENCE BANK (TN)

I had a deposit to place in my account on XX/XX/year> for XXXX but because the bank didn't have my company 's DBA they didn't couldn't place the money where I need to go, this was done the day after it had complete deposit in. I had email my banker like two weeks prior to that date on my DBA. I finally got a hold of her after the issue had start from me trying to move money over to crypto currency. I email her my DBA information but she stated she didn't know the correct code to place this under and have to contact her District person regarding this, so I told her that I didn't know the code for that. Then, she came back and told me that they decide to close the account because I didn't have that name under the account and that it is illegal to have a DBA with an LLC. I request for the district professional information and to contact me, so XXXX contacted me. He tells me since your DBA was established that there fraud department contacted him and told him that had suspicious of fraud, that the money was be investigated then after that, they decided to closed the account because of me not have DBA not being established with the account. I went on to ask him questions then he couldn't answer the questions. I said well you can look up my DBA and its not my fault that my banker was out the office, she couldn't figure out codes. My banker is name is XXXX XXXX and I spoke with another banker at different location which escalated the issue about my DBA not being there, they need more information ( location on XXXX XXXX XXXX, cant remember his name. Then XXXX also goes to say that no other deposit wasn't in the account before 30 days of this deposit. I tell him I am trying establish my business, I can invest my money how I want to. He go say well your DBA wasn't present so we decided to end relationship with you because of that not saying it was fraud but because your name wasn't established on the account in which it wasn't my fault. XXXX was on vacation not my fault.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - 1986 Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, FL XXXX Employer - XXXX Incorrect Current Address : - XXXX XXXX AV, XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-11
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. (FL)

I was deeply disappointed to find unauthorized inquiries on my credit report this morning, with no explanation for their presence. I check my report regularly, and this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I am incredibly frustrated and need the documents Ive provided to be carefully reviewed so I can resolve this issue and stop worrying.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (KY)

I requested a reinstatement of my right to deposit paper money, I have not infringed the terms of service and I was allowed full access to this feature since XXXX and then from XX/XX/XXXX I was then removed of the right with no explanation or way to rectify. I would like to continue being a customer of cash app but I wouldnt like to be removed of my privilege to certain features because of any sort of prejudice.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (CA)

I am writing to formally dispute several unauthorized inquiries on my credit report that are the result of identity theft. These inquiries were not made by me, nor did I authorize them. As such, they should be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code 1681b. 

The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX InquiryXXXX  Date : XX/XX/year> XXXXXXXX XXXXXXXX  InquiryXXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX InquiryXXXX Date : XX/XX/year> XXXX. XXXX  InquiryXXXX  Date : XX/XX/year>XXXX XXXX
Consumer complaint received 2023-02-11
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. (NJ)

This is criminal. 

I have an old XXXX XXXX XXXX account ( XXXX ) showing on my credit reports with inconsistent and inaccurate information. I will attach a a picture for reference. You can see on the 3 credit report attachment that the following information is inconsistent across the three credit agencies : 1. Account Status 2. Date Opened 3. No of Months ( Terms ) 4. High Credit 5. Payment Status 6. Last Reported 7. Date Last Active 8. Date of Last Payment The payment history is also inaccurate. XXXX had the account in Charge Off Status for over a year after it was legally settled. I obtained a car loan 13 months ago and my interest rate was affected by this fraudulent information ; meaning I have monetary damages due to this illegal reporting. I disputed multiple times and the information is still there, the only thing XXXX did was change by last few payments to " On Time ''. IF IT WAS A CHARGEOFF HOW CAN IT SUDDENLY BE PAID ON TIME THE LAST 6 PAYMENTS. Please look at the attachment and see how insane this reporting is. I will be seeking legal advise.
Consumer complaint received 2024-11-01
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 a victim of identity theft resulting from the XXXX data breach ( XXXX XXXX : XXXX ) reported in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts on my Experian and XXXX credit report that I did not authorize or open. These accounts are directly related to my compromised information from the XXXX breach. 

XXXX XXXX ( Account XXXX ) : New Fraudulent Charge, {$4200.00} balance XXXX ( Account XXXX ) : New fraudulent charge of {$6000.00} XXXX CARD ( Account XXXX ) : New fraudulent charge of {$6100.00} Actions Taken to Protect Myself I have taken the following actions to protect myself and to report the identity theft : Filed identity theft reports with the FTC ( Identity Theft Report # XXXX ) Placed fraud alerts on my credit reports with all three major credit bureaus Frozen my credit reports with all three major bureaus Currently in the process of filing a police report Legal Violations Experian and XXXX 's Violation of 15 U.S.C. 1681c-2 Under this statute, Experian and XXXX are XXXX to block the reporting of any information identified by the consumer as resulting from identity theft within XXXX business days. However, Experian and XXXX has failed to remove the fraudulent items on my report, even after XXXX  days, in clear violation of the law. 

Experian and XXXX 's Violation of 15 U.S.C. 1681b According to this statute, a consumer reporting agency may only furnish a consumer report with written instructions from the consumer. I never authorized or consented to the reporting of these fraudulent accounts, which violates my rights as a federally protected consumer. No consent is given in cases of identity theft. 

XXXX XXXX and XXXX Violations XXXX and XXXX have both charged off the fraudulent accounts. Under the IRS regulations ( specifically Section 6050P of the Internal Revenue Code ), once a debt is charged off, the lender must issue a 1099-C to the debtor and should cease collection efforts. As these accounts are the result of identity theft, I should not be held liable, nor should these debts be reported on my credit. The presence of these charged-off debts on my credit report is a violation of my rights.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (LA)

XXXX years ago, the bank card was stolen and I called Cash app requested that account to be closed and to open a new one. there's a whole conversation, received a new account and a new card and due to other errors my school deposited my refund money to my old cash app account which should've been closed so it would've and I would've been able to fix it. Instead, Cash app left the account open and refuses to give me access to it since I can't give them a stolen debit card number. In the meantime I'm getting kicked out of school because I can't pay the bill due to this.
Consumer complaint received 2024-11-01
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 formally request the blocking and deletion of a fraudulent account from my credit report, as I am a victim of identity theft. This account was opened without my authorization, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this information removed. 
Fraudulent Account : XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$15000.00}
Consumer complaint received 2024-11-01
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. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-08-20
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a dispute to all XXXX Credit reporting agencies ( Experian, XXXX, XXXX ) saying my personal information listed on their reports were wrong. The did not update any of the information. The only correct information that any of the XXXX agencies had been : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX All other information listed was incorrect or not accurate and I wish to have them deleted : All other Names All other Addresses Employers Mother 's Maiden Name The only information that was accurate is what I stated above.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Account : ( Jefferson capital systems LLC )XX/XX/2023. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC (MO)

I have closed a loan with Rocket mortgage bank on XXXX with interest rate XXXX after I made my first mortgage payment on XXXX, a loan officer from the bank called me on XXXX saying that the federal bank made interest rate cut, so we can refinance your mortgage at XXXX percent. I said this will cost me money and he replied " No, you just closed the mortgage with us all the cost is already have been paid. I thought why not if there is no cost to refinance the loan. So all the process was done via phone. They asked me to download the Rocket mortgage App to process all the closing documents.They sent me all the documents that I have already seen in my first closing. However, all those documents disappeared after I signed the second closing on XXXX. 

On XX/XX/XXXX, they scheduled to sign the closing online which is via the phone. Next day, I found my loan increased from about XXXX to XXXX. So, I called the loan officer asking him why this loan is increased and he said you have the refinance mortgage cost. I asked him why you told me and your boss in the first call that there is no refinance cost because I just closed the loan a month ago. He completely denied everything and he brought his boss and said if it is half percent, we will refinance for free but it is XXXX percent so we have to charge you. 

I called the customer service and complained about the lying and misleading behavior that those XXXX loan officers practiced with me to get me to accept refinancing. I asked the customer services to investigate and listen to the recorded calls. XXXX days later a lady called me from customer service, which specializes in those cases and she said all the paperwork showed that you have a closing cost and will be added to your current mortgage. I asked her did you listen to the phone calls and she avoided answering. 

It turns out Rocked mortgage is doing this practice with people all over the place. The bank makes money by deceiving people to get them refinancing their mortgage. 

The house that I financed with rocket mortgage located at : XXXX XXXX XXXX XXXX MO, XXXX
Consumer complaint received 2024-09-11
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 am filing this complaint regarding my personal credit record. After examining my credit report, I noticed inaccurate late payment entries. I sent correspondence to address this issue more than 30 days ago, but have not received any response or adequate validation of these entries. I am seeking your assistance to rectify this situation.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted TransUnion and XXXX about this XXXX account # XXXX that show XXXX balances but, reporting charge off and they told me that, this information was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 7 ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information.

They deliberately refused for the past 7 months to show or provide Details of the evidence and documentation they used to substantiate the reported information.
Consumer complaint received 2024-11-01
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. (NY)

I am writing to formally request the blocking and deletion of several unauthorized inquiries from my credit report. Due to a recent data breach, I have become a victim of identity theft, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed from my report. 
The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and I am requesting their immediate removal.