davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
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. (PA)

I couldnt believe it when I saw unfamiliar accounts on my credit report today, and I have no idea how they got there. I check my credit report routinely, but this time there were unexpected inaccuracies that didnt go away even after I refreshed my browser, thinking it might be a simple error. To resolve this, I ask that my documents be carefully reviewed to put an end to this unsettling experience.
Consumer complaint received 2024-10-25
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. (SC)

Experian is refusing to handle my request to investigate accounts on my credit report that appear to be inaccurate and incomplete. I sent a letter to Experian on XX/XX/year>, asking them to correct or delete each item they can not verify as accurate and complete. However, this week, I received an email from Experian stating that my letter does not appear to have been sent directly or authorized by me. I do not understand the basis for this conclusion, especially since I am the one who sent the letter. I feel my rights as a consumer were not respected in this process.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I was shocked to find that incorrect accounts suddenly appeared on my credit report this evening, and I have no idea how this happened. I routinely check my credit report, but this time there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the errors remained. I'm really concerned and need the documents I've sent to be reviewed carefully so I can stop worrying about this.
Consumer complaint received 2024-10-25
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. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-25
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. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX, XX/XX/1998 Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account XXXX XXXX, XXXX. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 
I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately. 
- Promptly remove the negative late payments from my credit report. Compliance with FCRA Section 611 mandates that consumer reports be accurate and complete, and failure to correct these errors can lead to legal consequences. 

I expect this matter to be addressed swiftly and accurately, as I have consistently upheld my payment obligations. 
I also request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
Thank you for your immediate attention to this legally binding requirement.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (NY)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX NY XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by XXXX XXXX XXXX XXXX The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by XXXX XXXX XXXX fails to meet these standards for the following reasons : XXXX. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by XXXX XXXX XXXX XXXX This reporting does not reflect the true nature of my account or the circumstances surrounding it. 
XXXX. Failure to Provide Clear Disclosures : XXXX XXXX XXXX XXXX not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus. 
XXXX. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with XXXX XXXX XXXX but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with XXXX XXXX XXXX to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2017-05-16
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. (FL)

Experian has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCR A 605b which mandates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FCRA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in  the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than  4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating t o any transaction by the consumer.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.

I would appreciate assistance in resolving these matters to ensure my financial stability.
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (NJ)

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 2024-10-25
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)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TN)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SYNCB/LOWES XXXX SYNCB/LOWES XXXX, SYNCB/XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/24 Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete account listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX  Closed Acct - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate, account status and history not accurate- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 


Merchants Credit Guide ( XXXX XXXX XXXX ) Opened on XX/XX/2023 XXXX
Consumer complaint received 2024-08-29
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. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-16
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. (NC)

XXXX XXXX, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair credit reporting act Accoun # XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2017-05-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

On the Rocket Mortgage website, consumers are prompted to apply for a quick decision and a mortgage as they provide their personal access to their bank accounts. Rocket Mortgage is a form a scamming site since it prompts for " Simplicity-Securely share your financial info at the touch of a button to get the most accurate numbers, Speed-Get approved in minutes, and Control-Adjust your down payment to find a solution that works for you '' All turns to be a huge XXXX and disappointment for the consumer. After submission of the application, the Rocket Mortgage at Quicken Loans have all personal information available - social security numbers, bank account, access directly to the bank accounts, addresses. At the end of the quick review, Rocket mortgage shows XXXX options of the loan amount with XXXX different rates. Then, the system urges the consumer to 'chat ' with the Rocket Mortgage Specialist. After the chat, the specialist denies the application even if the credit score of the applicant is good, even if the Rocket mortgage automatized system is showing that the customer is approved. It gets ugly when a customer starts asking questions as 'where is my application ' and why my mortgage application disappeared from your site? The role of the online mortgage officer is to make sure the Rocket mortgage does not have any record of any transaction. Then the customer is objecting and stating that it is not fair Rocket Mortgage to ask for bank accounts Before any pre-approval of the Mortgage application. The mortgage officer is terminating the chat. SUCH SCENARIO happened with me. I was denied Rocket Mortgage by the Quicken Loans Senior Mortgage Officer, while their automated system pre-approved me and at the same moment I applied for the regular approval at the Quicken Loans application for a mortgage which is separate. It was given the impression that I was pre-approved for a mortgage, but after the Chat with the Senior Mortgage Loan Officer, all applications disappeared.
Thus, I received an immediate Denial Letter by the Mortgage Online officer, and my credit score will be harmed due to their hard inquiry. More importantly, the Quicken
Loans - Rocket Mortgage has all my bank accounts and ACCESS to my bank accounts/account numbers and login information.
I feel something is very wrong and unfair in the above process of pre-approving customers. I thing that the Rocket Mortgage is scamming customers as asking for bank account information and login access to screen who of the customers has more finances to pre-qualify and deny applications.