davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm writing to express my appreciation to you for your efforts to have some of the false accounts on my credit report removed. But my gratitude is eclipsed by my intense anguish and despair over my identity theft dispute 's unresolved status. 

It is discouraging that not all of the accounts I am challenging have received attention, even though I appreciate the actions that have been performed. I'm left feeling unsettled and upset by this unfinished business, since it puts my mental and financial security at risk. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX  XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am aware of the complexity of these kinds of disagreements, but from my point of view, it is imperative to appreciate the seriousness of the circumstance. My credit report is being tarnished by these bogus accounts, which causes me more XXXX  and worry with each passing day. 
I beg you to hurry up and see to it that every one of the aforementioned accounts is looked into in great detail and resolved as soon as possible. Your undivided attention and diligence are needed to see this situation through to a satisfying finish. 

I anticipate receiving a written response to this disagreement letter and a promise that my identity theft accusations will be swiftly resolved. I demand that your agency respond in a timely manner as required by law, and I won't stand for it I look forward to a swift and comprehensive resolution that finally puts an end to this ordeal.
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: EQUIFAX, INC. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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. (FL)

This hard inquiries doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (VT)

Credit karma money is awful STAY AWAY!!! The XXXX they put you through a customer for a few years now my card was stolen one time through the years the day before they legally need to provide you a provisional credit they freeze and lock your account and tell you there is a special department handling your account and the only channel to reach them is via email what a joke im dumbfounded awful awful awful they are not for there customers I will be contacting the XXXX XXXX XXXX and consumer financial protection bureau in regards to this I live on a limited income and my direct to deposit is again going to be held up again years as a customer this is a terrible way to treat loyal customers I will be contacting the local media also be prepared just because i have a XXXX and you see I get my benefits direct deposited every month does not mean you can use my XXXX against me and lock me out and freeze my account from accessing my money it's discrimination and I am contacting everyone in my power until this is dealt with I can't get a hold of anyone email only well I don't email you my money I need it im in a financial hardship STAY away from this company my email Incase anyone wants to reach out to help me from the company or elsewhere is XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Bridge IT, Inc. (GA)

I received an XXXX and XXXX XXXX  through Bridget. After my bank account was closed I had an advance due and my XXXX XXXX payments. I emailed their customer service over and over and over trying to get them to help me link a different account to pay what was owed. They refused to help and offered no solutions. Only emailing me numerous times about the situation. I responded each time and they still would not assist me. They have reported late payments on my Credit and damaged my credit after I reached out about taking an alternate account many times.
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION (AZ)

XX/XX/XXXX I received a deposit in the amount of XXXX from my state because they were doing rebates so this card was supposed to be closed as of last year do to fraudulent activity well I was not worried about this money getting deposit because I knew the account was closed and there so the money would be then sent in check well I never received my deposit and I put a complaint with XXXX letting them know what happened then received a response from comdata stating that they fixed the issue and they were working on it then received another message stating it had posted I then proceeded to check the card and nothing I'm so frustrated this might not seem like a lot but I have 3 children I need to provide for so please help me
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (SC)

I want to pay off my loan in XXXX large installments. However on XX/XX/2023, my original lender XXXX by XXXX XXXX informed me that servicing of my loan was being to transferred to Systems & Services Technologies , Inc ( SST ) on XX/XX/2023. ( Email attached ) According to XXXX, SST was to email me information about service transfer which would include the account number and ways to access/manage my account online. 

As of today, XX/XX/XXXX, SST has not reached out to me with a Welcome notice -- not by email, phone, or mail. I still do not know my account number or how to pay online. I have tried to contact them by telephone in order to prompt them to provide this information, however, they have a large telephone queue backlog during most parts of the day. As of XX/XX/2023 at XXXX XXXX XXXXhere was in a queue of XXXX customers with a wait time estimate of XXXX minutes. Clearly, it is very challenging to get this information which I am entitled to and should have been made aware of before XX/XX/XXXX. 

As I stated, I have budgeted to payoff this loan in XXXX installments ( roughly {$2500.00} each ) but I am on hold until SST does their part. The servicing transfer process has not gone as expected and I hope the CFPB can help with the Welcome notice so I can move forward with ending this loan.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have contacted this Experian and XXXX for the last times on XX/XX/23 to get the method of verification for the bankruptcy that is currently on my credit report. The information reporting as accurate are both reporting different reference numbers and court names. I sent them both a certified letter a few months ago and have yet to receive a response or a update to my credit report. I am requesting a deletion of any and all reporting of bankruptcy and {$5000.00} for monetary relief for the humiliation, defamation of character, and consumer violation of rights due to this being on my report. Ive been denied extensions of credit I am unable to get financing for a vehicle. Its causing stress to me. I will be filing a claim if there is no relief to this ongoing problem.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (DC)

" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

This is my several endeavors 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 possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-18
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. (IN)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc. (VA)

Binance.us restricted USD withdrawal and charges hefty conversion rates/fees on deposit of USD to convert to USDT. One can not buy assets using USD, there is no USD paired assets on Binance.us thus it is forceful to convert USD to USDT.
Consumer complaint received 2023-12-13
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: LCI Acquisition Inc. (AR)

XXXX XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she or he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my given rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I wired {$160000.00} to a Bank of America account from our XXXX XXXX XXXX XXXX bank on Tuesday XX/XX/. We received an email the day before from what looked like our lenders email account with wire transfer instructions to send the remaining down payment to. In the email chain, the fraudster even knew the exact details to our escrow account in the amount that was already paid and what the remaining balance was. We realized on Friday the XXXX that the money didnt go to the right account. We went straight to our bank to ask to recall the transfer and filed a police report and contacted the FBI.
Consumer complaint received 2023-12-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc. (FL)

I applied for a mortgage thru Pulte Mtg. Co. and and was given a pre approval on XX/XX/2023. All along the way I supplied the information they requested and was assured all was moving along. My home was sold and scheduled to close on XX/XX/2023 and I was to close on the new home XX/XX/XXXX. 
XXXX hours prior to closing on my home and 5 days to closing on the new home, late on a Friday evening I received a call from the mtg. rep. that underwriting determined my wife and my self were only working apprx. 32 hrs per week and that required I buy down the interest rate from Interest Rate from 5.875 % to 5.125 % which would cost me a additional {$6600.00}. I am not sure why it matters if we work XXXX hours or XXXX hours our income is the income. They had all necessary paperwork they requested long before this point. I had no choice but to pay the additional money as I was legally bound to the sale of my home and commited to the purchase of the new home. Being a FHA mtg. I thought I was protected from this kind of business practice. I am not sure if there is any resolution to this but I felt it important to notify you and hopefully not to happen to any one else. I felt I was pressured and had no alternatives at this point. Thank you for help
Consumer complaint received 2023-05-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX  ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX  ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.