davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-06-04
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 did not open this account nor authorize any transactions associated with it. The fraudulent activity has caused significant damage to my credit. I have already successfully resolved this matter with the bank involved. 

I have attached supporting documents, including a copy of the police report and the report filed with the Consumer Financial Protection Bureau, detailing the identity theft.
Consumer complaint received 2024-05-25
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. (CT)

XXXX Account # XXXX XXXX XXXX Is reporting inaccurate information on my credit profile. 
I provided proof and spoke/ disputed with live a agent over the phone about the inaccuracy that is being reported on my consumer report. 
And the dispute resulted on my consumer credit reports says updated but nothing changed. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Consumer complaint received 2023-03-12
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. (NC)

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. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 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 2024-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc. (MI)

In XX/XX/XXXX, I lost my job and requested options regarding mortgage. BSI offered a forbearance but failed to explain that full amount of payments would be due at conclusion. I planned to resume payments XX/XX/XXXX. BSI started foreclosure upon completion and simultaneously set sheriffs sale. I received assistance from a HUD certified XXXX and applied for HUD partial claim and which was approved. BSI sent partial claim paperwork, I executed and returned within deadline of XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX, BSI called and informed me that HUD denied my partial claim and that my only options were to cure delinquency in full or sell property before sheriff sale on XX/XX/XXXX. No formal denial letter has been provided.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-25
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)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-25
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX, XXXX XXXX Balance {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00} US DEPT ED XXXX Balance {$1900.00}
Consumer complaint received 2024-08-28
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. (AL)

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 2024-08-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (OH)

I deposited {$2000.00} to XXXX on XX/XX/2024. I promptly bought XXXX and attempted to send this cryptocurrency to an external wallet that belongs to me. My account was restricted after attempting to transfer. Before sending this money to Robinhood, I submitted identity verification, confirmed my bank account by confirming the amounts placed in my checking, and enabled XXXX authentication on the app ( all things they require to do certain actions in the app ). 

Robinhood has tried calling me about 3 times to rectify about a week ago, but they always call too late or when its inconvenient to me. Ive tried returning their call but can not get in touch with support. When I try the virtual chat in the Robinhood app, I am told that I must talk to someone in person and I must submit identification ( picture of drivers license, photo of myself ) and a pdf of my bank statement. I have submitted so many requests to have them call me back, have uploaded my drivers license multiple times and verified identity. At this point I cant get ahold of them by phone or chat or upload my bank statement on their app so they can remove the restriction from my account. 

I do not want to use the Robbinghood platform anymore and just want the money that was initially sent from my verified bank to be sent back to the same bank account.
Consumer complaint received 2024-05-25
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XX/XX/2024
Consumer complaint received 2024-05-25
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. (MI)

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), Experian, XXXX and XXXX must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-03-12
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a Revolving account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 Experian on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-25
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2024-05-25
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-29
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. (PA)

I need your assistance to address this incorrect account on my credit report. I am concerned because this has harmed my reputation, and I need your support. Your mishandling of my credit report has devastated me, and your inaccurate reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-25
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. (CA)

On XX/XX/year> while negotiating for a vehicle purchased I stated verbally several times that I declined for a dealership to run my credit. I explained several times that I already secured financing on my own through my bank and did not want them to run my credit at all because there is no need. I said do not want my credit and declined to give them my Social Security number. They ran my credit anyway and the inquiry is showing up on my credit reports as dated XX/XX/year> for credit report pulled by XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is five days after I signed paperwork for purchasing a vehiclewithout consent for running my credit. I never signed a notice of motor vehicle credit application so I dont understand the backhanded move to run my credit without my consent. I did sign a notice that all of the interactions inside their building are recorded including the several conversations that happened where I stated do not run my credit. Im submitting this complaint so this business starts to actually listen to their prospective customers and not just do whatever they want.
Consumer complaint received 2024-05-25
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. (IN)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$5200.00} US DEPT ED XXXX Balance {$7700.00} US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$2600.00} US DEPT ED XXXX Balance {$2500.00}
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

I AM A VICTIM OF IDENTY THEFT. 
Specifically, on XX/XX/XXXX. 2021, 4 accounts were fraudulently opened at SunTrust Bank, now TRUIST, in my name with ZERO balances and were immediately overdrawn by {$100.00} - {$200.00} each as cited herein : XXXX ( CHECKING ACCOUNT ) - {$130.00} XXXX ( CHECKING ACCOUNT ) - {$120.00} XXXX ( SAVINGS ACCOUNT ) - {$170.00} XXXX ( SAVINGS ACCOUNT ) - {$160.00} I became aware of this matter on XX/XX/2021 upon written notification from SunTrust requesting I re-pay the overdraft amounts. I notified SunTrust on XX/XX/2021 that I had become a victim of identity theft and I filed an Identity Theft case with them as well as with IDTHEFT.GOV. On XX/XX/2021 SunTrusts Fraud Department provided me with written notification that I was NOT responsible for any of these account transactions. Sun Trusts Customer Relations Department provided me the same release of liability by letter dated XX/XX/2021 wherein I was assured that all 4 accounts had been closed as of XX/XX/2021. 

Sun Trusts statements in the aforementioned letters of XX/XX/2021 and XX/XX/2021 were clearly false and misleading. Specifically, I was subsequently notified ( in writing ) by XXXX XXXX, a debt collection agency, on XX/XX/2021 that at least one of the cited accounts ( XXXX ) had been turned over to them by Sun Trust for collection of {$160.00}. In response, I took the following actions : - I provided XXXX by certified mail the XX/XX/2021 and XX/XX/2021 letters from Sun Trust releasing me of liability. I also requested copies of all documentation received by XXXX from Sun Trust relating to this matter. XXXX has NOT complied with my request to date. 
- I notified Sun Trust that, contrary to their earlier assurances, this matter remained unresolved and I provided Sun Trust a copy of the XXXX letter. 

By letter dated XX/XX/2021, Sun Trust assured me ( again ) that they had notified the collection agency to cease all collection activity for all 4 accounts. 
As before, Sun Trusts statements in their XX/XX/2021 letter were clearly false and misleading as I received a second collection letter from XXXX dated XX/XX/2021 ( account XXXX ) requesting I pay {$150.00}. 

I am filing this complaint to stop the harassment from Sun Trust and XXXX XXXX
Consumer complaint received 2023-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (IN)

I assumed my mortgage which was an easy process after my divorce. Freedom was actually easy to work with. I was on my original loan. However, after the assumption, Freedom no longer will allow me to access my account online. I was not informed of any of this prior. I contacted them repeatedly about it, because that is how I normally pay. But no one was able to tell me way I could not do online, util finally I XXXX  today, XXXX, and saw many angry people are having this issue since their assumptions. I am being treated like a XXXX. They are saying this is to protect my ex. I was on this loan before. I am the one who made all of the mortgage payments. Neither one of us had our SSNs on anything I had access to before so I feel like this is some kind of a weird cop out on their end. I no longer have access to my documents.
Consumer complaint received 2024-05-25
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. (OH)

In accordance with The Fair Credit Reporting Act- The list of accounts below have and do continue to violate The Consumer 's federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX Collections Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : XXXX 15 USC 1681 section 602A states that ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 section 604A states that a consumer reporting agency can not furnish an account without the consumer 's permission- ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681c. ( a ) ( 5 ) states that : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.