davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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)

On XX/XX/XXXX I called in to Experian to dispute an address. On XX/XX/XXXX my entire credit score was gone from the page. What they told me that it reset itself. They told me that the score rests if there's any inactivity for 6 months. I never asked for them to reboot the system. I was then directed by Experian to go through some procedures to get my score back. One of the agents made me reset the boost they kept telling me that after the boost my score would be back in XXXX hours. On the website there's an score tracker where you can see my score of XXXX. I have been in contact with Experian spoke to supervisors as well and been hung on because they can not give me an answer. Both the customer service agents and supervisors have admitted as well that it was their mistake but can not do anything. They can go back and hear the recorded calls. Its been over XXXX weeks and I haven't gotten my credit score back. I'm being misdirected by Experian
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ... .... THESE ARE DATES AND COMPANYS THAT HAVE UNAUTHORIZED INQUIRIES ON MY XXXX ACCOUNT. I DID NOT AUTHORIZE THESE THREFORE THEY ARE FRAUDALENT. I REACHED OUT TO THE COMPANY TO TAKE THEM OFF NO HELP
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (IL)

On XX/XX/2023, I received an email from Rocket Mortgage stating that a check for my escrow overage for the year had been mailed to me on XX/XX/2023. I had yet to receive the check in the mail, so I called Rocket Mortgage to inform them that I didn't receive a check for the overall on XX/XX/XXXX. After speaking to the representative, I discovered the check was sent, but the mail was returned to them. However, they told me they couldn't release the funds because my account was on a forbearance plan until XX/XX/2023, because of a natural disaster that was declared in XXXX XXXX. I told them the account wasn't in forbearance when the funds were released, and I asked them to resend the funds to me. When they couldn't resolve the problem, they sent me a supervisor who stated that even though they sent out the check, if I had the check, I could cash it, but because they got it back in the mail, they wouldnt resend the check until I pay XXXX mortgage payment. I informed them that I didn't pay the XXXX payment due to the natural XXXX that was declared in XXXX XXXX, which financially impacted me to the point that I asked for a forbearance. She stated that nothing could be done until I made the payment for XXXX ; then, they could resend the check. However, these funds were already sent to me in a check on XX/XX/2023. 

Once the funds have been released, they shouldn't be able to withhold them from you. In addition, a forbearance is meant to assist your customer during times of hardship ; why would your customer be punished for being a part of this program by withholding funds that are due to them that could assist during their time of distress.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I've requested the credit bureaus to investigate and prove that I'm the owner of these accounts. As of this month I have only received notification that they will not work on my file due to the submission not coming from me ( This is not true ) I have requested several time for the credit bureaus to their job but to no avail please help.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After multiple attempts credit reporting errors are still showing on my credit report Violation of 15usc1681 section a thru i.also Violations of no surprises act and the cares act of2022.
Consumer complaint received 2023-06-22
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. (MS)

I wrote to Experian on XXXX, and XXXX to dispute several violations that they are committing by reporting inaccurate and unverifiable information on my credit report. They have not sent me XXXX reply back after sending my first letter to them over XXXX  days ago. This has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. They are not reporting 100 % maximum accuracy as possible by law, and I have requested to receive all the steps the agency took to insure those items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification. The accounts are XXXX/Account Number : XXXX, XXXX/Account XXXX, XXXX/Account Number : XXXX, XXXX/Account XXXX, XXXX XXXXXXXX XXXX/Account Number : XXXX, XXXX/ Account Number : XXXX, XXXX/ Account number : XXXX, XXXX/Account Number : XXXX, XXXX XXXX/ Account Number : XXXX, XXXX XXXX/ Account Number : XXXX, XXXX/ Account Number : XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (NC)

sent out a validation letter to XXXX XXXX twice once XXXX XXXX and XX/XX/2023 and still have not heard anything from them since they harass me at work and throughout the day
Consumer complaint received 2024-04-08
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 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 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 2023-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have gave ALL parties XXXX chances to cure. I have requested info on the investigation process not just verified, proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and Credit first NA continues to repost the account without sending any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX XXXXXXXX XXXX Account number : XXXX Reported XX/XX/2021 on my Transunion consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CA)

I'm attempting to transfer funds and close an individual investment account held by Axos Invest. I've attempted contacting their customer service by phone, email, and secure message over a dozen attempts over the past few weeks. I've also initiated a securities transfer request with XXXX, which Axos blocked.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of XXXX accounts that are reporting inaccurate for both of these issues. 

Per 15 U.S.C 1681 there should not be any damages on my credit report.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

To whom it may concern I transferred my money from my XXXX XXXX XXXX account to my citi bank checking account to use my funds after I transferred i wanted to use my funds and my account got blocked on XX/XX/2023 today XX/XX/2023 they told me they closing my account and stating i will receive my funds XXXX days im depending on my savings money there was no reason to block my account and now i dont have access to my funds.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

Keeping payments on this account consistently timely has been my practice, preventing any overdue occurrences. I find myself puzzled by the reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections are warranted.
Consumer complaint received 2023-10-13
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. (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX Account number XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

To Whom It May Concern, Regarding the collection account opened on XXXX with SOURCE RECEIVABLES M, I have attempted to dispute the validity of this debt with the collection agency directly. Despite my efforts, the account remains on my credit reports with both XXXX and XXXX. 

I have sent a formal dispute letter to the collection agency requesting validation of the debt, as well as a cessation of all collection activities, in accordance with the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received adequate responses to my requests for validation, nor has the account been removed from my credit reports. 

I am aware of my rights and responsibilities in this matter, and I am seeking assistance in resolving this dispute promptly. I believe that the actions taken by the collection agency are in violation of the FDCPA and FCRA, and I am concerned about the negative impact this account is having on my creditworthiness. 

I would appreciate any guidance or assistance you can provide to help ensure that my rights are protected and that this matter is resolved in a fair and timely manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-08
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts 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
Consumer complaint received 2023-10-20
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Commonwealth Financial Systems, Inc. (FL)

ACCOUNT NAME XXXX XXXX XXXX options Account # : XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open 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 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 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 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
These inquire ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX, these inquiry are listed as all bank nonspecific, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX are listed as Credit Unions 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, and on XXXX, XXXX West XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all these  are listed as Automobile Dealers, I did not authorize any of these pulls on my credit and I would like to have them removed. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information Sincerely, Enclosures : I would like to see these items removed from my credit report inquiries since I did authorize any of them.