davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
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. (PA)

I wrote to Experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts and Hard inquiries reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score while I am currently in the process of purchasing a home. This is very damaging to my credit score as a consumer. 
I the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). I the consumer have the right to privacy pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). These credit agencies have violated my right to privacy by furnishing private information about me without any lawful author my written consent. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below The Following Accounts and Inquiries are inaccurate. 

XXXX accounts XXXX XXXX XXXX XXXX  This is Not my Account XXXX XXXX XXXX-This is Not my Account XXXX XXXX XXXX  This is Not my account XXXX Hard Inquires 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 Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting several Late payments which is hurting my credit score. These late payments are inaccurate and false after comparing my credit report between Experian, XXXX and XXXX. Some months are showing on time and others not on time which is not accurate. 
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would like all accounts and Hard Inquiries mentioned deleted from my credit file Immediately as this is damaging to my credit score and not aligning with my rights as a consumer. 

Thank you XXXX XXXX
Consumer complaint received 2024-07-17
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. (IL)

I spoke with Experian today on the phone at approximately at XXXX XX/XX/year> I asked them about the status of my Identity theft affidavit with police report dispute that I mailed in to them the previous week on XX/XX/year>. Experian representative told me first that my police report was not valid. I asked Experian how can my police report not be valid if it has a report number and it has all correct information that can be verified by the XXXX Police department which I filed in the precinct which I have also sent to cfpb in my initial complaint XXXX which I will also add to this complaint. The representative told me he could not tell me that information. The representative also preceded to tell me I didnt send in a copy of my ID and SS which I actually did send to them if for some reason they dont have that then Experian has mishandled my documents which I believe is intently. While speaking with the representative I told them that I would upload to there digital upload system another copy of my social security card and ID which I did. The representative informed me that it will be in there system the next day then they can look at it. My concern was that Experian should 4 days to upon reviewing my info to block and delete info thats not mine and I noticed that they started the process with inquiries and they took those off my report which tells me they had all of the documents to process my Identity theft dispute but when it came to two accounts XXXX XXXX XXXX XXXXXXXX they claimed I didnt have proper documentation. As I stated I uploaded another copy of my documentation with everything in it ID ect. Then later in the evening I receive a email saying they denied my dispute and listed generic possible reason why I could be denied and none of them where relevant to me because I gave them everything properly in accordance to the guidelines. I will also attach there respond to this complaint. Also for the record this was not my first call for the day I called them at least three times today and I kept getting the run around lying telling me there system is down and then I call back and speak to someone else and they tell me there was nothing wrong with there system. I need these accounts taking off my credit report and I need Experian to stop using un ethical and illegal tactics to damage my credit file. I filed a Identity theft affidavit with police report and proper Identification and I need for them take those accounts XXXX and XXXX XXXX off my account immediately in the 4 day window thats required in my case and stop delaying
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

CFPB, I looked at my consumer report on XXXX, XXXX, XXXX and noticed the Equifax is reporting inaccurate information regarding XXXX XXXX XXXX account. This account was closed on XX/XX/XXXX, it has been over 3 years and Equifax is still reporting this account.The most recent reports were on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-09-16
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. (PA)

I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following inaccurate accounts and Hard inquiries reporting on my credit report 30 days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score while I am currently in the process of purchasing a home. This is very damaging to my credit score as a consumer. 
I the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report 15 U.S.Code 1681a ( 2 ) ( A ) ( i ). I the consumer have the right to privacy pursuant to 15 U.S.Code 1681b ( a ) ( 2 ). These credit agencies have violated my right to privacy by furnishing private information about me without any lawful author my written consent. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below The Following Accounts and Inquiries are inaccurate. 

XXXX accounts XXXX XXXX XXXX XXXXXXXX This is Not my Account XXXXXXXX XXXX XXXXThis is Not my Account XXXX XXXX XXXX- This is Not my account XXXX Hard Inquires 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 XXXXThis is Not my Account XXXX XXXX XXXX This isNot my Account 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 is reporting several Late payments which is hurting my credit score. These late payments are inaccurate and false after comparing my credit report between XXXX, Equifax and XXXX. Some months are showing on time and others not on time which is not accurate. 
15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would like all accounts and Hard Inquiries mentioned deleted from my credit file Immediately as this is damaging to my credit score and not aligning with my rights as a consumer. 

Thank you XXXX XXXX
Consumer complaint received 2023-09-16
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. (IN)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  XXXX ( XXXX ), Account name : XXXX Originals ( XXXX ), Account name : XXXX XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-08-15
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. (NY)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (FL)

On or about XX/XX/XXXX I called Eastern account systems for XXXX XXXX. about a account that Ive disputed several times with all 3 credit bureau. When I called them on or about the XX/XX/XXXX. Their own system couldnt verify any debt tied to my phone number. Which Ive had since XXXX. After waiting on hold for approximately 45 min a gentleman named XXXX XXXX got on the phone. And was very rude. He kept cutting me off when I try to explain what the issue was. And after I gave him my full name. He wanted me to verify address, social security number, date of birth. I told him no for my security I need them to verify this debt. And I would verify any information they might have. XXXX XXXX got angry and stated he doesnt have to do anything and that he was personally going to make sure it stayed in my credit until the day it was paid in full. And only at that time he would think about removing it. When I asked him for his supervisor he simply laughed and then hung up on me. I still dont know what this debt about or any information because Ive never received a verified debt notice. They cant seem to give me the basics of information about this debt. On my credit report has no account number. It says its from XX/XX/XXXX but i was homeless due to hurricane Ian up till XX/XX/XXXX when the VA got my family into a home and out of the hotel. They had to pay a extra XXXX deposit for a total of over {$9000.00} just to be able to rent a house do to this negative and bogus reporting done by Eastern Account System on behalf of XXXX
Consumer complaint received 2024-08-15
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. (TX)

I am writing to express my deep concern about the disputed accounts on my credit report. I have repeatedly reported inaccuracies in these accounts and have consistently requested thorough investigations. Despite my ongoing efforts, there has been no resolution or corrective action taken. These errors are significantly damaging my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these inaccuracies have caused me considerable hardship, leaving me with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My interest from XX/XX/XXXX is currently being held XXXX by Chase Bank. I have contacted them numerous times via phone and in person. They keep passing me from one person to another and refuse to give me concrete answers. I have attached cards of employees/management at Chase Bank that I have tried to work with and no one will get back to me. I'm told this has been escalated but have never received a response. On XX/XX/XXXX I went into the bank and had all of my brother 's funds transferred to my account totaling {$500000.00}. When I received my account update on XX/XX/XXXX it showed {$250000.00} in the account. When I went back to the bank to speak with XXXX XXXX, who created my Certificate of Deposit, they said she was no longer working for the company. No one wants to take responsibility for this error and they are refusing to back date the interest on the {$500000.00}. Chase Bank escalation department is offering to backdate the interest starting on XX/XX/XXXX to the present date, which means I will have lost over {$7000.00} in interest.
Consumer complaint received 2023-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc. (AK)

I had a large amount hit collections for medical debt. I called the collection agency- they said XXXX send me paperwork. I never received paperwork. I called my insurance company- they said absolutely Im covered and shouldnt have any debt. I called the hospital that supposedly sent my account to collections. They told me IMMEDIATELY that some sort of mistake was made, and that they will have the collection agency delete the collections off of my account immediately. My biggest issue with this is, 1. ) I disputed this account MULTIPLE times and it came back as all good thats a huge violation 2. ) Even once they delete this off my credit, it wont fall off until next credit cycle. So my credit will remain affected for even LONGER- when it should have never been affected at all.
Consumer complaint received 2023-09-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC (CA)

I am going through a refinance loan and have had the most horrible incident involving a 3rd party that one of the loan companies hired. 

XXXX, I went to RocketMortgage for the loan and all was ok, they arranged for a local appraiser service to come to my home for appraisal and that seemed to go fine. 

But in my shopping loan terms found someone else that could give me a better rate ( XXXX XXXX  ). So, I had XXXX transfer the information to XXXX XXXX  ( all was fine until ) The appraisal provided, contained multiple errors that needed correcting. 
I attempted to contact the Appraiser from the licensing information on the appraisal submitted. 
The contact email : XXXX keeps returning as undeliverable The phone number provided, when called, goes to generic VM When texting the number, it resulted in some XXXX, XXXX, and just plain XXXX  returned texts In my disbelief of the transmissions, I involved my new loan company to try to obtain what was required from the Assessor. 
My loan officer called the number and when she asked was this the number for the Assessment service, they responded yes. Was this the number for XXXX XXXX XXXX, they responded yes then hung up. 
We called back and it again went to VM with no return call If it werent for the texts I received ( attached ), I wouldnt mind much for the lack of service, but the texts to/from a business whose personnel were in my house, its downright scary. 

I am attaching the text conversation ( please understand this is not my language ), but need to share my concerns and pursue legal action as this has caused me precious time ( loss of a real estate deal ) and now I have let these kind of people in my home? And now am forced to pay $ XXXX to get another appraisal. 

What legal recourse do I have?
Consumer complaint received 2024-09-11
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC (VA)

I paid for what was advertised as a lifetime of service for credit repair and disputes. After months of nothing being done I was sent this to my email. 

( Dear Valued Clients, We are pleased to inform you that the massive FCRA Complaint filed on your behalf is moving forward at a rapid pace. To strengthen your individual cases, we kindly request that you upload anydenial letters for creditthat you have received from the time you signed up with us to the current date. These documents are extremely important for your case. 

Please note that existing clients ' disputes to the bureaus will continue to be filed monthly as '' Intent To Sue '' even though you are included in the ongoing complaint. This ensures that your rights are protected and your disputes are actively managed. 

If you wish to disputeCollection Accounts, please be aware that there is a one-time fee of $ XXXX the Reinvention Program The Payment Link is below to book and be added to XXXX XXXX Case Load. 

Thank you for your continued trust and cooperation. If you have any questions or need further assistance, please do not hesitate to contact us. 

Best regards, Click Here For Reinvention Program With XXXX {$150.00} ) They are trying to get money for something I already paid for.
Consumer complaint received 2023-09-16
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. (AZ)

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. 

Account Name : XXXX Account Number : XXXX {$0.00} Account Name : XXXX  Account Number : XXXX {$0.00} Account Name : XXXX  XXXX Account Number : XXXX - {$0.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX  - {$1200.00} Account Name : XXXX  XXXX XXXX Account Number : {$1200.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-16
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. (MI)

In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.