davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Early Warning is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. XXXX XXXX nor the consumer reporting agency Early Warning have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2024-04-04
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. (NY)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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
Consumer complaint received 2024-04-16
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. (MD)

I have not been able to see my credit report in 2 weeks! I have contacted Equifax multiple times and they place me on hold a million times just to tell me they will get back to me in 10 business days. I need my account immediately! not in 10 days It is illegal to withhold information about my file from me and I want access this instant!
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-04-04
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. (LA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-04
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Early Warning is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither XXXX XXXX XXXXXXXX, XXXX XXXX XXXX nor the consumer reporting agency Early Warning have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC (MI)

During the pandemic ( XXXX ) I was forced to put my mortgage in Defferment Status. I did not lose my job, however my XXXX XXXX that has XXXX did, and he and his XXXX XXXX had to move in. My wife is also XXXX due to a XXXX XXXX. 

I had a deferred amount of $ XXXX. When I was able to make payments again ( {$700.00} ), I was told that the only option I had was to refinance the mortgage. I had a 30-year mortgage I opened in XXXX with a mortgage rate of 3.75 %. 

The mortgage got refinanced for 40-years at 7 %, now with a payment of {$1100.00}. 

How does that help? {$5000.00} in arrears deserves a refinance mortgae with double the interest? I was not given the opportunity to make payments on the arrears or a balloon at the end of the term. 

I do not feel that I was given a fare shake on my situation. I needed to help my son, who is now back to work. 

I am willing to make the arrears in some form, but the only option I was given seems a bit extreme. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (IA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

I am XXXX XXXX XXXX still working to survive and support myself. On XX/XX/XXXX I submitted online via Western Union XXXX dollars to NC to a contractor who was constructing a porch for me .After being interviewed by a rep from Western Union as yo the purpose of this transfer and a host of other questions I was informed by email that all is fine for the receiver to pick up the money in NC . The contractor ( recipient ) was also contacted by Western Union to pick up the money with a govt issued ID .After 3 days on XX/XX/XXXX the contractor went to retrieve the money at a Western Union business and was informed the money is on hold. I called WU and the rep told me the money will be refunded to my account ( that was on XX/XX/XXXX. ) Despite multiple attempts to rectify the situation Western Union has failed to return the money back to my account. Western Union has also failed to provide satisfactory explanation for failure to return my XXXX dollars plus fee for sending that sum of money in minutes. I have contacted WU customer service numerous times ( about 18 times ) with no resolution. I even contacted them yesterday and today. Needless to say the lack of accountability, transparency and ( in my opinion honesty ) on their part has left me in great financial hardship with inability to pay for my life saving medications ( because I took the money I had put aside for that need to send to the contractor believing WU would exercise the decency and integrity to return my hard earned money. I am respectfully seeking your assistance to retrieve my refund from Western Union. Please feel free to contact me at XXXX or email XXXX. 
Thank you for your time and consideration. 
Tracking number from Western Union for this transaction is XXXX. I serve my country as a XXXX XXXX since XXXX every day even during Covid epidemic and earned a honest living and should not be treated this way for my own money.
Consumer complaint received 2024-04-04
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Assistance Inc (CO)

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ).

It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation.

I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred.

I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX : XXXX I Want these accounts removed from consumer report XXXX XXXX XXXXXXXX XXXX  FINANCIAL ASSISTANCE
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK (FL)

There was a company that kept trying to withdraw {$2.00} from this account over and over again and each time that it did so the bank kept charging me a return check fee of {$34.00} and this happened so many times that they closed the account with me still owing them all this money for return check fees even though I don't even know what this company was that was trying to charge {$2.00} and I asked the bank to put a stop to it keeping me from getting other bank accounts and affecting my credit.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX XXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

On XX/XX/2023 I made two check mobile deposits to citi bank for {$410.00} and {$1600.00}. Two days later I was unable to login on the app. I contacted customer service and I was told that my account was blocked for fraud and they needed to verify my checks. I provided all information required and was told it can take up to 60 days. Then XX/XX/XXXX I received email my account will close. I contacted them again that day and they said the check was reported as fraud because they couldnt verify checks. Basically giving me run around so I then went to XXXX  XXXX XXXX that day. They verified check was legit and already cashed by citi bank and they didn't know why they were holding check. So I waited and then I went back to XXXX XXXXXXXX XXXX they checked XX/XX/XXXX that they saw citi bank reject the check but are still holding money. They recommend I got to branch so I did that day. Drove there the teller at citi bank called fraud dept and she said that they're decision was final. I must wait. It has been a whole month I need my money for bills
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (OH)

Citi credit card opened a credit card without my authorization or knowledge. It was opened XX/XX/year> with a XXXX limit. I recieved a statement in the mail for this card in XXXX. I immediately called the credit card company to let them know I did not open this account nor had any acknowledgment of it. They said they were going to flag it as fraud and it would be closed and removed from my credit report. Every month after, I have had to call and talk to numerous people explaining the same thing to them. Every time they tell me it is flagged as fraud and still appears on my credit reports. It has also made my score go down, witch prior and still everything that is actually mine on my credit reports are in excellent standings. I filled two identity theft.gov reports and have talked to and written all three credit bureaus.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.