davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

Experian requires information that I can not provide to complete a credit freeze. I am the consumer trying to freeze MY OWN credit and it will not let me. With the amount of information that they have on me WITHOUT MY WANTING THEM TO, I should not have trouble freezing my own credit through them. I have tried calling but they just hang up time and time again. 

This is unacceptable, and I can not do anything about it. If I could make it so they could not have any of my data I would, but I do n't have that power. I am powerless to them, and that is not how things should be.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

I have a loan with DEPT OF EDUCATION/NELN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and DEPT OF EDUCATION/NELN with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following hard inquiries currently listed and showing on my TransUnion credit report are unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

This account is does not make any sense nor does it have clear information. Ive received information of the debt but still have no knowledge or understanding. Its for an apartment that states I was evicted I have no court filling of that. The documents provided has a forgery of my signature ( and the last name is spelled wrong ) I have tried to contact agency and get bureaus to investigate. I have informed the agency of identity thief & no response have been made. This is violating my rights as a consumer. The ledger that the company is sending has no letterhead, the dates do not match the debt. The company has asked for my ID Ive emailed to the company.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-09
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX Balance : {$28000.00} US DEPT ED XXXX Balance : {$48000.00} DP OF EDUC XXXX Balance : {$28000.00} DP OF EDUC XXXX Balance : {$48000.00}
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (TX)

On Monday XX/XX/18, Robinhood suddenly and unexpectedly restricted access to my cash card claiming suspicious activity.

Robinhood demanded verification, including a form of identification, a face photo, and personal information, all of which I provided. I explained to Robinhood that an immediate and expedited resolution was necessary as I use this account to pay bills.

Robinhood failed to provide a timeframe in which their internal review process would validate the information I provided and allow me to access my money.

Other Robinhood users have complained of sudden restrictions to their money, and untimely resolutions, which I will not accept.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE (OH)

The reasoning for this letter is to dispute account " XXXX '' from the creditor " THE HUNTINGTON NATL BA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
Consumer complaint received 2023-12-25
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. (GA)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-25
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. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-25
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. (FL)

This is the 3rd request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX or XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Lasty Equifax and XXXX  asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.
Consumer complaint received 2023-06-05
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: Exeter Finance, LLC. (GA)

I voluntarily surrendered my vehicle to Exeter Finance in XX/XX/2023 and after the vehicle was sold, I had a remaining balance of {$22000.00}. On XX/XX/2023, Exeter Finance accepted a settlement offer of {$10000.00} to be paid by XX/XX/2023. I paid the {$10000.00} on XX/XX/2023 and disputed the account twice with XXXX, XXXX XXXX XXXX to update the account status, balance & comments and both times, it came back that Exeter has verified that I still owe a balance as of XX/XX/2023 and will not update that the account has been paid with a XXXX balance. It is now XX/XX/2023. I have contacted Exeter three times as I have not received a letter to state that the account has been settled and I have a XXXX balance. Each time I contact Exeter to request this, they inform me that it will take 48 - 72 hours to receive this via email and weeks have gone by and I still have not received anything from Exeter.
Consumer complaint received 2023-12-25
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. (GA)

Equifax admitted to a data breach an confirmed my information was in fact compromised in this breach. They have yet to provide compensation for the neglectful practices of their organization. They also have the audacity to request proof of hours spent dealing with this matter when there is no possible way to keep track of that as the breach happens a few years ago and we are just being notified as of recently. With that said the fraud found on my credit report could in fact be becof this breach but the bigger matter at hand is that my info was in fact confirmed to be breached which is a violation of the Privacy Act of XXXX, Gramm-Leach-Bliley Act, Federal Computer and Abuse Act just to name a few. Being this organization has my full name, date of birth, social security number, address, and my entire credit profile my identity in its entirety has been placed at stake. There have been several items on my credit report that reported negatively that I have since been able to remove that I believe were related to this breach. This has caused me and my family so much distress and humiliation along with XXXX because of denials due to items reporting negatively which were mind. Now I have undue stress because se random person has ALL MY INFORMATION. I have to constant worry about my identity being stolen and my information being used. There is no timeframe on this matter because my social security number will never change, my date of birth will never change, and as of now I have no intention on my address changing. This means this information can be used anytime now or in the future leaving me vulnerable to being a victim of ideas theft.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I called Equifax in XXXX regarding the updating of my consumer report. I notice that after doing a UCC-11 search there was no liens on me. The creditors furnishing information to Equifax should have registered and recorded any alleged debt reflecting a lien on my UCC-11 search if I have an alledged debt with them. Equifax and the creditors should have reported and registered the alledged debts to the Secretary of State required by federal law. Equifax is also in violation for reporting inaccurate information on my consumer report. According to 15 usc 1681 ( a ) ( 2 ) late payments are excluded from my consumer report.
Consumer complaint received 2024-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (NC)

My XXXX XXXX was sold to Roundpoint Mortgage ( not sure when because I was never informed it was being or had been sold. ) We were not aware that the loan had been sold. We received ZERO communication from XXXX or Roundpoint. We made our XXXX payment to XXXX on XX/XX/XXXX and the payment was accepted. We made our XXXX payment to XXXX on XX/XX/XXXX and the payment was accepted. Unbeknownst to us, the payment was then reversed and put back into the account on XX/XX/XXXX, XXXX weeks later. Roundpoint then sent their FIRST communication to us on XX/XX/XXXX informing us that they were the new lender and we were late on our payment. We immediately called Roundpoint to inform them that the payment was accepted by XXXX. When the payment was reversed XX/XX/XXXX, we immediately paid the XXXX to Roundpoint. Roundpoint reported the account delinquent to credit agencies and assured me it would be removed and my credit would not be affected. We requested PMI to be removed on XX/XX/XXXX. Roundpoint informed me that we had to email them the request and complete a form, which I did. I received a response TODAY ( but dated XX/XX/XXXX ) informing us that the PMI removal was denied because " The mortgage loan does not meet payment history requirements, meaning one or more payments have been 60 or more days past due within 24 months or 30 or more days past due within 12 months of the date we received your request for cancellation. '' I called Roundpoint on XX/XX/XXXX to clarify that we had NOT been late on any payment and that every payment had been made on time. Roundpoint acknowledged that we were unaware of the change in the mortgage lender and could see that we immediately made the payment directly to them when we were made aware of the change. They said that they can not change their records and that we would be forced to pay PMI for another 6 months based on their INCORRECT records. They said that they are not able to edit their records regardless of the reason. This ENTIRE problem stems from banks constantly buying and selling loans and not properly informing their clients. XXXX never ONCE reached out to let me know the payment was being reversed. Roundpoint NEVER reached out until a payment was flagged late. I should NOT have to continue to pay PMI when my payments have remained current and because Roundpoint system 's do not allow edits. That should not be at the expense of the consumer. I feel this was done intentionally.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (FL)

I hope this message finds you well. I write to inform you of a serious matter concerning our previous interactions. Specifically, I believe there has been a violation of the Fair Credit Reporting Act ( FCRA ) as it pertains to the handling of my account. 

I have documented these concerns in a formal complaint, which I have sent via USPS mail. Please note that this communication serves as an official notice of my intent to file a lawsuit if the situation is not addressed in a timely and satisfactory manner. 

I expect to be contacted by your legal counsel or appointed representative in the shortest possible time. Please do not respond with the standard 'verified ' or 'accurate account ' rhetoric which seems to be commonplace in such circumstances. Instead, I am requesting for your full attention, responsibility, and prompt action in this matter. 

I hope that this can be resolved amicably and promptly, without necessitating further legal action. However, rest assured that I am prepared to protect my rights under the law. 

Please treat this matter with the seriousness it deserves. I look forward to hearing from your legal representative soon.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all closed accounts according to a free credit report I received from a free credit report company. Equifax, XXXX, and XXXX have all done an investigation and the results have said these accounts are still in collections. 

XXXX XXXX  and/or XXXX XXXX XXXX and are reporting twice on my report. XXXXXXXX XXXX  and/or XXXX XXXX XXXX along with XXXX XXXX XXXX are also the same agency reporting three times on the same closed account. I made a complaint to all 3 bureaus and they came back saying there was no error.
Consumer complaint received 2023-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

My husband and I took out a XXXX HELOC with BMO Harris in XXXX of 2013. It had a 10-year draw-down period. I don't recall how much we drew down, but we paid off everything within just a few years. We were still getting billed {$50.00} annually, and we kept paying it. In XXXX of XXXX ( not sure exactly ), I was informed that for some reason unknown to me, they had to close our HELOC account and reopen it under a different account number. I bank online, and after they made this switch, I could see the new account number. We took this opportunity to go in to the Bank and have the account closed. We signed a bunch of papers and I thought that that was it. I still saw this account listed when I checked accounts online, but it always had a XXXX balance due. I thought it had to stay that way for the full 10 years. 

On XX/XX/XXXX, we went in to the bank once again to close the account, and not have it roll over for another 10 years ( we didn't owe anything, but I don't want open credit lines out there. ) I wanted it CLOSED closed. I was told that we owe {$150.00} -- three annual {$50.00} payments for the last three years. How can that be if we closed it in 2021? The lien on my house will not be released unless I pay them {$150.00} for an account I haven't used in seven years, and closed two years ago. How does that make sense? 

I thought that because BMO is a XXXX bank, it wouldn't engage in some of the shadier business practices that many American banks do. That's why we have three savings and one credit card account with them, in addition to the HELOC. We've been good customers of theirs for almost 12 years. Sadly our good will isn't being reciprocated. If we can not come to a resolution in this matter, BMO can take their {$150.00} off the top when we close all five of our accounts.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (PA)

Fraudulent accounts appearing on credit report. XXXX. XXXX XXXX {$940.00} XXXX. XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$24000.00} XXXX. XXXX XXXX {$1100.00}
Consumer complaint received 2023-12-25
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. (TX)

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items listed below deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal account from my credit report from all three credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX