davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (NY)

Hello i've sent dispute letters to XXXX, XXXX, and Experian this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX7Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX  XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Inquiry from XXXX XXXX SERVICE, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXXXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I contacted experian credit company to cancel the family membership because I was not able to use the features like sharing with family We contacted experian several times before canceling. The representative didnt want to refund at first but refunded after brief conversation. Now my credit score has dropped 5 points.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (NM)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-30
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. (CA)

There is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$7300.00}
Consumer complaint received 2021-07-30
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)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-12-23
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. (MN)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX, Experian or XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC BANK CONTINUES TO CHARGE ME FOR CHARGES ON MY CARD THAT I DID NOT MAKE. THE CARD WAS EVEN CLOSED DUE TO FRAUDLENT USE. PLEASE HELP. I HAVE SENT THEM THE PAPERWORK THEY SENT ME ON THESE CHARGES THAT WERE MADE ON MY CARD ON XXXX. I HAVE SENT IT NUMEROUS TIMES AND THEY INSIST THAT ARE GOING TO CHARGE ME NONEHTLESS. THE ONE CHARGE IS {$6.00} FROM XXXX AND THE OTHER ONE WAS {$5.00} FROM XXXX ON XX/XX/2021 BOTH OF THESE CHARGES WERE NOT MADE BY ME. BUT THEY ARE GOING TO CHARGE ME ANYWAY. I HAVE UPLOADED THE PAPERWORK SEVERAL TIMES TO ADVISE THEM I DID NOT MAKE THESE CHARGES. PLEASE HELP. THEY REFUSE TO LISTEN. I AM NOT PAYING FOR CHARGES I DID NOT MAKE
Consumer complaint received 2021-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX 3. XXXX XXXX Bankruptcy Case Number : XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX 6. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 8. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On the night of XX/XX/2021, I received an email from Wells Fargo bank at XXXX stating that an ATM transaction from my account for {$2000.00} was declined which was a fraudulent transaction. I was asleep at this time, but when I checked my emails in the morning and saw this I checked my account balance also and realized {$1000.00} dollars was already taken from my account as well from the same ATM location fraudulently. I immediately went to my purse and I saw that I was NOT in possession of my card so I called Wells Fargo on the same day ( XX/XX/XXXX ) around XXXX and spoke to a woman and requested to stop the card and sent me a new one and I also made a statement for the fraudulent transaction. I have email confirmation for my " turn off request '' for my card which I received at XXXX and I also received a claim number for this incident just off of the phone call but no one ever reached back out to me to send claim forms or anything else regarding my situation and after days of not hearing from Wells Fargo I already received my new card and then slightly after on XX/XX/XXXX the company closed out my claim case and told me to call if I had any questions. My new card was shipped to me XX/XX/XXXX which I also have the confirmation email also. On XX/XX/XXXX when my claimed was closed I reached out again to the company and they said since I was in possession of my card that they couldn't do anything to help me, but I WAS NOT in possession of my card which was the reason I requested the turn off of my card and the request of my new card. I asked them to reopen the claim and they said they would get back to me but never did and I NEVER received any emails, calls, or mail from them about follow up information.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Complaints : XXXX. XXXX  XXXX XXXX, IA XXXX Dear Madam/Sir : XXXX XXXX XXXX is still showing my account as negative and this aged tradeline has still not been removed. 

Experian refuses to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I did not and do not owe ) that was originally from a delinquent debt with XXXX XXXX in XXXX that it sold to XXXX. 

As such, the debt associated with the account collections is now over 7 years old and must be removed since any debt over 7 years old must legally be removed from a credit report.

Moreover, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. XXXX has been the subject of multiple enforcement actions by the government. 

Please ensure that the XXXX tradeline is deleted from my credit bureau reports as soon as possible.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (OR)

On XX/XX/XXXX, I received a notice from my employer, XXXX, that Checkr , Inc. had reported my drivers license as having expired on XX/XX/XXXX. While I did have a license that expired on that date, I renewed my drivers license on XX/XX/XXXX. I filed a dispute with Checkr, including a photo of my updated license in the report, and they launched a reinvestigation. Today, on XX/XX/XXXX, I received another email from Checkr stating that the information is accurate and they are not changing anything. When I reached out to the phone number provided to contact Checkr, I received a recording that stated they are not accepting calls at this time. The false report now remains on my Checkr background check and interferes with my employment.
Consumer complaint received 2021-03-23
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (NV)

When applying for a reverse mortgage I had to have my home appraised, for which I paid. The appraisal took a month. They only did a drive by. Then the appraisal came in at between XXXX and XXXX XXXX dollars below market price. I proceeded with the appraisal based on an approximate value of my home at approximately XXXX, XXXX. The homes in my area are selling for approximately XXXX for smaller homes on smaller lots. XXXX estimates my home at XXXX. XXXX at XXXX and XXXX at XXXX The XXXX hired by XXXX appraised it at XXXX. While the online estimates are just that a there is clearly something wrong with the appraisal. XXXX did a bait and switch. They dangled a carrot at a loan that a they had no intention of following thru with. I think they should round the appraisal price based on their tactics. I paid XXXX for this faulty process. How much does XXXX receive of this as a kick back? This all took place during the months of XXXX and XX/XX/2021. XXXX loan number was XXXX. Their appraisal number is XXXX.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT FOR CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX
Consumer complaint received 2023-01-23
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. (NM)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was never late and I disputed late payments that I noticed on my credit report and I have requested several times to be provided with the method of verification and the proof that I was indeed. I kept getting a response from the credit reporting agency that the late payments were accurate and that is what they received from the furnisher.
Consumer complaint received 2021-07-30
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. (IN)

I have hard inquires and a XXXX XXXX account that I did not authorize or give consent that is being furnished on all credit reporting agency reports.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I was charged with a returned item fee of {$34.00} by Synchrony Bank on the XXXX of XXXX, 2021, however, I paid the remaining balance in full on the XXXX of XXXX, 2021.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (CA)

I have been paying my rent monthly to my landlord via Appfolio, an online portal that helps tenants pay rent and other charges online to their landlords. Starting XX/XX/2023, when I went to pay my rent in advance, there was a {$2.00} transaction fee added to the total. I called my landlords, and they said that Appfolio sent out a notice claiming this fee will be added onto all online rent payments starting XXXX ( I never got this notice ) and the fee is going directly to Appfolio and my landlords can't change it. I can avoid this fee by delivering or mailing in a rent check. However, this fee is ridiculous - online payment of rent is common practice, and passing a " transaction fee '' cost to the rent is unreasonable! I am not a customer of Appfolio- I am a customer of my landlord, and having an online portal for paying rent has helped save me time and stress! Now I have to make a monthly trip to my landlord 's office to issue rent in order to avoid this fee. Additionally, Appfolio 's service didn't improve at all over the past 18 months I've been with this landlord. They are increasing the cost of their service without necessarily increasing the quality of their service. It's very clearly a junk fee and just an additional cost to consumers and renters for no reason. Additionally, this transaction fee is PER transaction e.g. if a renter needs to pay their rent in 2 payments, they would be charged {$2.00} for each transaction. It's completely dismissive of the consumer.
Consumer complaint received 2021-07-29
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. (MI)

After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

XXXX XXXX XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IA)

The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I hope this message reaches you under acceptable circumstances. I am filing a complaint to address a persistent matter that remains unresolved despite my numerous prior attempts. This marks my tenth endeavor to draw attention to the ongoing issue of denied access to my personal credit report by EQUIFAX. Regrettably, they have consistently refrained from providing any information pertaining to my credit history. Enclosed herewith are supplementary documents that substantiate my claims, including duplicates of my personal identification.