davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-04
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. (FL)

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.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized loan services has incorrectly messed up my escrow balance and tax payments for several years. To the point that my house ended up in tax sale because they didn't pay my taxes accurately or on time. This year they have drastically messed up my escrow balance once again. They had my taxes listed as semi annually instead of annually causing me to be XXXX deficient in my escrow trying to charge me double my mortgage payment. I caught on to this and after several phone calls they sent a new statement still showing I was incorrectly short XXXX. I tried to call several times and was on long hold times in excess of 2 plus hours waiting to speak to someone helpful. I resulted in sending communication through the email exchange since I was on hold so long. I still cant make a payment on my mortgage on XXXX sine my payment is completely inaccurate and my escrow balance is still incorrect.
Consumer complaint received 2024-10-04
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. (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 2023-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MO)

My phone was stolen on XX/XX/XXXX and card was compromised the person the person who stole my phone was able to get into phone and XXXXXXXX XXXX themselves XXXX transactions for {$50.00} and XXXX transaction for {$1000.00} I was able to get the phone shut off and filed a police report Police report # XXXX the XXXX said I had to speak with my bank as well I contacted chime the representative was being rude she filled my disputes and canceled my card and the next day my dispute was denied I called back and re submitted the dispute with documents my dispute got denied again i called again and again still no help from them I sent supporting documents and contacted the merchant they investigated and said my card was compromised and I sent the police report and documentation. I will be finding a new bank chime is no help when it comes to fraud they are so rude about it. I ask for documents they still have not said anything to me. XXXX  BANK
Consumer complaint received 2024-10-04
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} 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 2023-11-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I orginally had XXXX XXXXXXXX XXXX as my loan servicer. I did a loan modification in XX/XX/XXXX because of the pandemic. XXXX sold the loan Flagstar. Flagstar began servicing my loan in XX/XX/XXXX. Flagstar has reported to credit bureaus the loan modification as being XX/XX/XXXX. 
Also the Forbeasrence and loan mod during the pandemic was not to be reported to the credit bureaus which is why XXXX never reported it. 
I have contacted Flagstar and was told by their rep to dispute it with the credit bureaus which i did but but to no avail.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

This is to inform you that there was no information has been received with our disputes. I am writing to express my concern regarding the lack of response to my previous disputes. I have submitted disputes to your bureau regarding inaccuracies on my credit report, and to date, I have not received any information or resolution. 
I previously submitted disputes on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-PLEASE DELETE!!!!

Despite my previous attempts to address these concerns and seek correction, I have not received any communication from your bureau acknowledging receipt of my disputes or providing information on the status of the investigations. As a consumer, I am entitled to timely and accurate responses under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-09-17
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. (TX)

Ive tried contacting this company several times through the mail and CFPB And nothing gets rectified they say they done a full investigation and put the same numbers back on my credit report and say its updated
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2023-07-24
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. (IL)

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 2024-10-04
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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

MOHELA/DEPT OF ED has 6 accounts currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputationMOHELA/DEPT OF ED The account is as follows : Acct XXXX 6 times
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, i am unable to retrieve my credit report and score with Equifax. Ive called a total of 5 times and was told theyre unable to locate my file. Ive mailed letters and copies of my identity and still unable to get this issue resolved. It is imperative for me to know whats on my file and manage my credit. In the past Ive been a victim of identity theft, so its scary not being able to see my credit report. I need help with getting this issue resolved. Its unfair and unconstitutional to say the least and Equifax should be ashamed of themselves.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CT)

Transaction # 1 XX/XX/XXXX was an purchase made through XXXX with my card b/c it was stolen and i reported it stolen had to ask for a new card in the mail, i never made the alleged purchase dated. I disputed the transaction on XX/XX/XXXX they denied. 

Transaction 2 was a charge from XXXX for {$120.00} dated XX/XX/XXXX i tried to block transaction same day & cash app didnt do anything to block it while it was pending. I then had to escalate the issue so they do something about it i started the dispute on XX/XX/XXXX & they denied the dispute for me on XX/XX/XXXX. Any dispute i make ALWAYS gets denied they are not investigating anything they are just robbing their customers legally & getting away with it. Any other bank disputes the transaction and your voice is heard. Cash app always coincidentally favors against the customer. I called multiple times to find out the status of my diapute & i never recieved an answer as to why it was denied. They just push you off and make you wait XXXX business days so they can deny your dispute which is unfair. 

Transaction 3 was on XX/XX/XXXX i recieved a transfer for a service on cash app for {$300.00}. At XXXX i visited the bank listed cashapp atms to use and i tried to withdraw the total amount from the atm at XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX on XXXX  XXXX XXXX and the atm froze with my card in it i went and spoke to the supervisor and she said the atm was just serviced, and because it happened during store hours i was able to speak to someone and she emptied the atm and confirmed the XXXX was still in the atm and i never recieved it, i waited for over 30 minutes trying to get them to get my money and they told me i had to call my bank ( cash app ) and tell them what happened. They were giving me the run around so i gave my phone to the bank supervisor so she spoke to the agent on the line and explained what happened how it happened and that they are resposible to get me the XXXX back and they are delaying the dispute. I am sick and tired of being denied time and time again for disputes that i should have been refunded. I have made numerous phone calls, filed complaints to no recieve no responses and cant get a hold of a supervisor ever because when you call the agents say they have no supervisor so how is any issue that requires you to speak to a supervisor to be able to be resolved. In total the amounts of the 3 disputes that i am referring to sum up to the total of {$860.00}.
Consumer complaint received 2023-11-12
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. (WA)

A fraudulent XXXX XXXX ( XXXX ) credit card account was opened in my name. I was notified of this activity on XXXX and contacted XXXX. They canceled the credit card and investigated the incident, as I had a hard credit pull on my account with Equifax. A few weeks later, XXXX completed their investigation and determined that this was a fraudulent transaction and issued a letter to Equifax to remove the credit inquiry from my credit file. 

I have opened a dispute with Equifax three times to remove this hard credit inquiry from my file and they refuse to remove it even after I attached the letter from XXXX confirming this was a fraudulent transaction.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from my report.
Consumer complaint received 2023-11-22
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. (VA)

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 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 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (CA)

on XXXXXX/XX/2022 I I was receiving phone calls form Goldman Sachs for not paying my monthly payment which i never used the card, and they want payment and late fee. I dispute these charges over the phone. they look into my account and contacted the Apple Inc for charges and they had no record that I authorized the charges so they reverse the charges and credited my account for those charges, all the charges was credited to my account so how I was late in my monthly bill? But Goldman Sachs still reported these charges against my credit to credit bureaus as a let payment that dropped my score from XXXX to XXXX. Once I found out contacted them and they promised to reverse the action but never did. This is not the first time they did this. once before the reverse their false late fee on the beginning of last year XX/XX/2022, because the could not produce monthly statement to me and I specifically requested a paper statement and never received any statement from Goldman Sachs. 
I was always getting monthly statement from all credit card companies but never received from Goldman Sachs. 
they promised me that they are sending me paper statements which I never received from them. 
I never signed for electronic statements. ever. with any company or lender always paper because I am visual person and not computer savvy. I don't use email very often