davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OK)

Rocket Mortgage / Quicken Loans created two separate loans, one as a purchase and one as a refinance, after I clicked an email specific to rates for refinances. I did not complete the online application process, and was redirected to the online chat. This was due to their computer system moving me into a purchase application from their link about refinance rates. I told the representative during the online chat that I was only interested in getting refinance rates, as I was at an airport and soon to board a flight. I ended the conversation after I was given a rates range. I was stunned when I received notice by mail that both my and my wife 's credit had been pulled. ThI never approved an application and neither did she. These events occurred on XX/XX/2018.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX SWAN CT XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-14
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. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXXXX/XX/XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-14
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. (GA)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$68.00} ( XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (ME)

My XXXX credit report shows Selene Finance with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via Court Ordered Mediation here in XXXX  XXXX Court. While in mediation, Selene Finance purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. Selene knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with Selene. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. Selene had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both Selene and XXXX and mailed certified mail with return receipt. I just received a ruling from XXXX that Selene again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.
Consumer complaint received 2023-01-14
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. (AL)

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 XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXXXXXX 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 2022-10-04
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. (TX)

Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.
Consumer complaint received 2022-10-04
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. (LA)

XXXX XXXX is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.
Consumer complaint received 2023-01-14
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: EQUIFAX, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have written Experian requests to dispute issues with my credit. They have responded that the letter is not written by me or unauthorized by myself. They are refusing to take the necessary actions that I have requested in my dispute letters several times. I do not appreciate that they are not taking my requests seriously for XXXX XXXX disputes.
Consumer complaint received 2022-12-19
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: SUN LOAN COMPANY INC. (TX)

I previously submitted a claim to Sun Loan regarding an account that I do not agree with the amount and the dates reported, and from my last complaint Sun Loan stated that they were not reporting the XX/XX/2015 loan to any other credit bureau besides XXXX. This month when I refreshed my credit report, it shows that this account is reporting to XXXX and is hurting my score. I would like for the company to honor their word and remove this account from reporting immediately.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and XXXX just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I just got out of the hospital and found money to pay my bills. I paid part of them and went the next day to do the rest. the XXXX dollars was missing. I contacted Chase and found them not willing to help. I need the money to pay bills. They had no right to take it from me. I have the printout from them showing XXXX amount. I would like them to work it out. But they will not take my calls. dates : XX/XX/2022 XXXX amount. was XXXX on XX/XX/2022. no money in there now.
Consumer complaint received 2024-02-22
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. (VA)

Bring to your attention Account XXXX ( XXXX ) reporting Installment I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards.
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MS)

I have called 5 times requesting a forbearance due to the fact that they never processed my request for a repayment plan. Every time I call, they tell me they will process it but it still shows the same amount owed and a delinquent charge while I was under forbearance.
Consumer complaint received 2023-12-05
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. (FL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days.
Consumer complaint received 2023-01-14
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. (FL)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update/correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$760.00}
Consumer complaint received 2023-01-14
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

XX/XX/2023 Spring Oaks Capital , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I, XXXX XXXX, am a consumer/Natural Person. Spring Oaks Capital , LLC, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC1692 ( a ) ( 6 ). It has come to my attention and understanding that Spring Oaks Capital , LLC has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692 ( c ) ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692 ( c ) ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692 ( c ) ( c ) ( 2 ), I am involving specified remedy as the original creditor and demand the following : - XXXX out the balance - Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via mail. 
- Cease and desist reporting of the debt collection activity to all the consumer reporting agencies before and after this date of XX/XX/2023. 
- Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FDCPA 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best Regards, XXXX XXXX Regards, XXXX XXXX Consumer/ Natural Person