davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, 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 XXXXXXXX
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

We did a refinance back in XX/XX/XXXX 2022 of the new home that we had purchased in XXXX of 2021. The lender we purchased our home from sold our loan to XXXX. So we pursued doing a cash out refinance with them and closed on that loan with XXXX XX/XX/XXXX 2022. To ensure that our taxes and insurance was accounted for we opted for Impounds to make sure they were covered. Our mortgage payment went up about {$300.00} ish dollars more a month bringing it to {$2900.00} a month. We have lived here for not quite two years now. Yesterday I got an email from XXXX saying that our payment was going to be updated due to the recent Escrow Analysis they had done on XX/XX/XXXX. I was beyond shocked and worried sick to find out that there was a {$7000.00} shortage in our escrow account and that we had to either pay {$7000.00} before XX/XX/XXXX or our mortgage would be going up to {$3900.00} a month to cover that deficit. When doing further research, I found out that even if we pay the {$7000.00} escrow shortage our mortgage payment would still be going up to XXXX XXXX.That is {$410.00} more a month than we are paying currently and we are struggling to even keep up with the {$2900.00} as everything has gone up. I worked as a XXXX XXXX XXXX and XXXX XXXX XXXX for almost a decade so I wondered how could this have happened when taxes and insurance are supposed to be collected up front in reserves to account for this. I am fully aware that XXXX has no control over what the property taxes and hazard insurance may fluctuate and increase to overtime but when I looked at the Closing Disclosure from when our loan closed back in XXXX I see that the Loan officer did not take out nearly enough to cover taxes and insurances and have enough in reserves to account for the fluctuations in taxes and insurance that inevitably were going to happen over time with the escrow account already starting out with not enough funds since we closed. We believe that the loan officer / XXXX  undercut the taxes and insurance so that we would qualify for the loan to keep the debt to income ratio low and payment below {$3000.00} and to obtain the business. Knowing full well on the back end that this was going to set us up to fail in the future and put us in the immense severe financial hardship down the road. This loan should have never been approved .We regret doing it and now we may quite realistically lose our home because of it. We just want to start the conversation about what recourse we may have to rectify this devastating situation or at least inform others so that they don't go through the same thing we are now having to go through.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A fraudulent user opened a checking account in my name with Bank of America. I am not sure how this happened, and how Bank of America approved the account. Between XX/XX/XXXX and XX/XX/XXXX ( in the middle of the night ), I received legitimate accounts from Bank of America about an application for an account. Initially, the account was rejected due to missing information ( i.e. photo ID, credit card ). But then, I got another e-mail within an hour showing that the account was successfully created. I verified that the account was mine by visiting Bank of America 's website and calling their fraud department. They filed a claim and restricted the account. I have credit monitoring from multiple sources that also offer deep web leak information, and there was no indication that my SSN had been leaked anywhere. I also checked my credit reports for fraud, and found nothing. This indicates that nobody was able to get a credit card in my name. I believe that Bank of America allowed a fraudulent user to create an account on my behalf without conducting the proper personal verification. The only reason I became aware of the issue was because the fraudulent user left my personal e-mail on the account, so I was receiving e-mails through the morning showing what activity was occurring on the accounts.
Consumer complaint received 2023-01-20
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. (CA)

XXXX, Experian and XXXX XXXX are reporting late payments on my auto loan account XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. 
I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. 
Thank You
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I AM 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.
Consumer complaint received 2023-09-12
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. (MD)

I received a notification a couple of weeks ago that a credit card account from XXXX XXXX, XXXX was reporting on my credit report, so I pulled my report and found that there in fact was an account reporting and it was showing as a authorized user. I have never been an authorized user on any account that has a balance like that. The only account that i am an authorized user on is my daughters XXXX home depot account. This is showing an XXXX Balance. I disputed the information with Equifax and they came back saying that the account was verified to be mine. They also removed the authorized user information and it is showing as my account. I called XXXX to find out what was going on, I gave them all of my personal information " SSN, DOB and All '' and they said that they couldn't find an account on me. I also gave them the last 4 of the account number that is showing on my report because that is all that shows and they still couldn't find anything. I was told that i would receive a letter in my email stating that i do not have an account with XXXX and that the information is being reported incorrectly. Well, i never received that letter so i contacted them on XX/XX/XXXX  and couldn't get any one to help me, I asked for a supervisor and was told that a supervisor would not speak with me, i called again on XX/XX/XXXX  and was given the same information, i was told they couldn't find any information on me and i would need to send a letter with all of my personal information, including my drivers license to their mailing address and they would investigate and it would take up to 120 days. I am not mailing my personal information to a company that i do not deal with, especially my drivers license in the same envelope as my ssn, i again asked for a supervisor to handle this another way and was told that the supervisor was not willing to speak with me on this matter. This is not fair at all, if they are not showing an account for me with my personal information then how are they able to report something on my credit report. I am trying to purchase a home and this has really affected my purchase since it dropped my score by well over XXXX and some points. I will be contacting a lawyer to sue both, XXXX cards and Equifax for wrongfully reporting information on my report. I also have a fraud alert on my report which has been on there for months and i was never informed of an account being opened in my name like they are supposed to do. I need this information removed from my credit report. XXXX also sent me a letter in the mail today XX/XX/XXXX  stating that i would need to contact the primary account holder to be removed from the account. When i called and talked to them today, they told me the same thing. I do not know who the primary account holder is to contact and have my self removed or why i was ever put on the account in the first place.
Consumer complaint received 2023-09-12
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. (CO)

I am writing to bring to your attention to a billing discrepancy based on the interest charged on my XXXX XXXX XXXX Bank credit card listed as follows : Equifax : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my accounting for XXXX of the billing cycles, which show discrepancies between the average daily balance and interest rates calculated. 

The average daily balance for each billing cycle was calculated by adding up each end of day balance in the billing cycle and dividing that amount by the number of days in the billing cycle. 

The details of the discrepancy are as follows : The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$12000.00} APR : 15.99 % Average Daily Balance ( ADB ) : {$12000.00} ALLEGED ADB : {$12000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$170.00} ERROR ALLEGED INTEREST : {$170.00} ============================================= XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account statement has a discrepancy as follows : Starting Balance : {$980.00} APR : 15.99 % Average Daily Balance : {$2500.00} ALLEGED ADB : {$2400.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$33.00} ERROR ALLEGED INTEREST : {$32.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$6100.00} APR : 15.99 % Average Daily Balance : {$6800.00} ALLEGED ADB : {$6900.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$89.00} ERROR ALLEGED INTEREST : {$91.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$11000.00} APR : 15.99 % Average Daily Balance : {$11000.00} ALLEGED ADB : {$11000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$150.00} ERROR ALLEGED INTEREST : {$160.00} Upon a thorough review of my billing statements, I noticed a significant discrepancy between the alleged interest charged and the interest I expected based on the provided information. The interest on numerous statements I calculated using the data the furnisher provided differs from the amount claimed. To assist you in your verification of my calculations, I have attached copies of the relevant billing statements and calculations for your reference. 

Due to these accounting/computation discrepancies, all of the balances listed on this account are inaccurate and unverifiable.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-06-01
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: Experian Information Solutions Inc. (KY)

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 items ( A ). It is not permitted to report these items 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 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 2023-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (AL)

On, XX/XX/12 robinhood restricted my account citing " unusual activity '' even though it was me and only me who has been using the account. I've called and asked to speak to support and they said they would verify any information I give to them via email ( submitting photos through a client. Due to the account restriction I am unable to use the funds within the account. This is a huge inconvenience to me.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.