davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2022-11-24
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. (NC)

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

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

XXXX XXXXXXXX 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 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-23
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. (CA)

I asked the credit bureaus for the information below and they did not comply.

1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I took over this loan last year from XXXX, they finally fixed the incorrect SSN in XXXX of this year, and now they are reporting a 90 and 120 day late 's for XXXX and XXXX except due to some other issues with this loan it was in deferment status until the interest and other fees issues could be fixed. They did fix those in XXXX of XXXX. 
Now in XXXX all of a sudden I started seeing Property Preservation Fees on my statement. I sent them a request about it, and the email response was that it was due to a charge from the deferment process. They stated they would send me a breakdown of any charges, however it is now XX/XX/XXXX and I have never received it and it's not in the documents section of their portal. 
Now it's XXXX and today my statement came out and again I downloaded it from the portal and again I am being charged XXXX a week for a property preservation fee, and when I called customer service I was told they couldn't talk to me without an attorney. I questioned why and they told me I needed to be transferred to the loss mitigation department as if my account is in foreclosure or a negative status except my account is paid up until XXXX and XXXX 's payment went out already but hasn't been credited yet to the account. So I am paid a month ahead and yet, the customer service agent XXXX XXXX ID # XXXX asked me if I could afford my payments, and then was confused when he admitted the account was not only current has been current except for XXXX until XXXX when it was in Deferment due to the interest and fees charged prior which were being worked out. 
He couldn't get a supervisor apparently, and couldn't answer basic questions about the account even though that is his apparent job position. 
This is the first step, next I will again send certified mail about this issue and then I will be filing in court because this is an ongoing issue with XXXX since I've had to deal with them. XXXX XXXX XXXX XXXX has no idea what XXXX ( Servicer ) is doing and vice versa, it's ridiculous. 
It should not take a supervisor to explain what a property preservation fee is and why it would show up on someones account when it's clearly paid ahead, also not be able to fix it immediately.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX Open account Opened : XX/XX/XXXX Reporting XXXX days late twice on my report : XX/XX/XXXX, and XX/XX/XXXX Payment history is inaccurate I was never late I made all payments on time with an card that was on file. This negative information is damaging my credit profile, future and my character as a consumer that trying to get approved for an home. I was recently denied due to the fact this company is reporting false, unverifiable, incomplete and inaccurate information. 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 A section 2. ( it also states a consumer reporting agency can not furnish an account without my written instructions under an open end consumer credit plan as late for any purpose. I want this account to be updated correctly due to the fact this is my second attempt and this company XXXX XXXX and experian hasn't respond back and it been past XXXX days.
Consumer complaint received 2023-09-26
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. (NV)

i have been going back and forth with experian about these unauthroized charges on my account. i opend a student loan when i was in XXXX XXXX which is the only thing on my credit report that is authorized they had my account crossed with another social security number
Consumer complaint received 2024-05-02
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. ()

I could not log in to my Equifax account so I call the company and they reset my password and I tried to login in. Got and " Internal Error Code '' and was told that it may take a few days. 2 weeks later same issue, called them again to which they said it has to be escalated and they will call me back. 2 weeks later again no call so I called them back and they had no idea about my issue. Started the process again, reset password and again, error code to which they told me it needs to be escalated and they will call me back. It has now been 30 days and nothing. I just want a copy of my credit report because I believe there is fraud going on and I cant access it for over 2 months! Equifax is not acting in good faith.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

My account is set up to be able to overdraw by {$50.00} anything more and I get a denial. My account is with XXXX a subsidiary of XXXX which is managed by XXXX XXXX. On XXXX XXXX, XXXX went in for the auto payment that I had set up for {$510.00}. Needless to say, I only had {$100.00} in the account so I was not worried figuring that it would deny like anything else however, maybe because it was the same company, it was processed, and my account was at- {$450.00} approx. When I called asking about this because I was broken down and needed access to my {$100.00} ASAP they said that they did not have any control over it XXXX did but that it would reject and be back in the account the next day ( XXXX Hour Wait ) and there was nothing that they can do. I had to go an entire day with no funds available to me that should have been in my account.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IN)

Synchrony Bank XXXX XXXX XXXX XXXX purchased a mattress with the XXXX XXXX Synchrony Bank Credit Card. 

Customer returned the mattress on the XXXX XXXX Synchrony Bank Credit Card to a balance of {$0.00}. 

Synchrony charged the customer a {$41.00} principal interest amount on a balance of {$0.00}. 

Synchrony sold the account to XXXX to collect the {$41.00}. 

XXXX sent the customer a bill for {$360.00} ( {$41.00} + XXXX ) and sent the unpaid bill to the credit reporting bureaus. 

Customer is being wrongfully and illegally charged for not using the credit card. 

Synchrony Bank, XXXXXXXX XXXX and XXXX  are violating the Consumer Credit Protection Act and negatively impacting the customers credit report. 

The customer wants all of the Synchrony Banks, XXXX XXXX and XXXX closed with a negative business rating. They can call the customer to dispute the decision to close their business down. 

The customer wants this transaction removed from her credit report immediately and her credit score points restored immediately. 

Synchrony Account # XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Federal law mandates that inaccurate information and late payments on open end credit accounts are excluded consumer files. TransUnion and XXXX ( account # XXXX ) are in violation of FCRA 1666b ( a ) by furnishing inaccurate late payments on dates of XX/XX/2023, XX/XX/2023, XX/XX/2023 & XX/XX/2023. They are also inaccurate due to my XXXX XXXX XXXX app Payment history which confirms XXXX ( XXXX ) payments for the months of XX/XX/2023 & XX/XX/2023. Also my account was suspended, closed and a new credit card issued after theft of my backpack containing my credit cards, phone and tablet on XX/XX/2023. XXXX XXXX Police Department Item # XXXX
Consumer complaint received 2023-06-19
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. (NJ)

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 XXXX XXXX XXXX. 



Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XX/XX/XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-08
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any XXXX  of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XX/XX/2023 XXXX BANK XX/XX/2023.
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC (TX)

XX/XX/XXXX. Rocket Mortgage employees or website again harassment for mortgage payment. I have mortgage payment for room payment. Because Rocket Mortgage refused to investigate theft of payment for mortgage and property taxes escrow. The VA Military Loan threat of foreclosure from XXXX XXXX. From XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXX XXXX Entering my property without my contact permission and taking my property assets from inside my house. The first breakiing entering robberies XX/XX/XXXX. I told XXXX XXXX XXXX police department. Then called Rocket Mortgage I described the monies I was made to pay to XXXX XXXXXXXX XXXX  through XXXX party. Their property tax XXXX XXXX set up. I explained to Rocket Mortgage this information again XX/XX/XXXX. Again please help me. I need the money for room payment. The mortgage company refuses to hear me and the XXXX XXXXXXXX XXXX XXXX and XXXX XXXX refuse to interfere. Because XXXX XXXX XXXXXXXX XXXX  Church officials. I told Military I don't know XXXX XXXX XXXX is doing and they didn't help me get my loan nor provide assistance with the PriXXXX XXXX XXXX XXXX gave loan according to my qualifications. Rocket Mortgage is the company I was told to pay. That's it I'm in XXXX and I have moved so often I have to call the VA because they don't know what these people are using my benefits for. I hardly get to use my retirement benefits for my own life. And I told your XXXX XXXX this XXXX XXXX
Consumer complaint received 2024-05-03
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 am writing to address an inaccurately reported bankruptcy on my credit report. The case you have listed as valid and accurate is, in fact, erroneous. I have never been involved in any such case, nor have I received any judgment. Without a judgment, there can not be a valid case, as no legal proceedings were ever initiated or concluded. 

The bankruptcy listed under XXXX XXXX with the case number XXXX must be removed from my credit file immediately. This entry is fraudulent and is tarnishing my credit history without justification. 

Should you persist in reporting this erroneous information without conducting proper verification, I will be compelled to seek legal recourse. I have already consulted with my attorney, and should the issue not be rectified within 30 days of this notice, we will proceed with legal action.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :