davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

Rocket Mortgage is trying to force me into paying for an additional home insurance policy that I don't need as well as force me into setting up an escrow account. I have already supplied them with documentation that I already have an insurance policy ( see attached ), but they still want me to charge me an additional {$2800.00} for an additional policy.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (CO)

Equifax and XXXX. I signed up two months ago to check my score. Now it is time to cancel because {$40.00} a month is too expensive. The only way to cancel Equifax is to call a XXXX number. It is a long and drawn out process. Finally we talk to someone ( husband and I ) in a foreign country. They ask all sorts of annoying questions and hard sell continued service. The XXXX time they even hung up. We spent a half hour or more just to cancel the darn service!!!! They shoudl provide many more options for cancelling, INCLUDING cancelling online, for crying out loud. 
XXXX is even worse. I logged in to check my score and the info is not made available. It keeps on kicking me out. To cancel, I have to call yet another XXXX number. It is so painfully obvious that they are just sucking the automatic payments right out of you and making cancellation so hard that most people simply give up.
Consumer complaint received 2021-11-06
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (UT)

XXXX XXXXLVNV Funding LLC is emailing to attempt to collect a debt that is too old to be collected. They don't have any information on the account other than my name and email and 4 digits of the account. Additionally, they are acknowledging that they are not allowed to collect on this debt, but they are trying anyway. 

XXXX XXXXXXXX Account number XXXX Email states " The law limits how long you can be sued on a debt. Because of the age of your debt LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit agency. '' This was originally an account with XXXX XXXXXXXX XXXX XXXXXXXX. account number ending in XXXX. 

The current creditor is LVNV Funding LLC with an account number ending in XXXX.
Consumer complaint received 2020-02-22
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: AMERICAN EXPRESS COMPANY (FL)

2017 I opened. Amex Green Card, Gold Card, and Everyday Card. After I paid the accounts off on time they were removed from my credit report.
Consumer complaint received 2023-02-08
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. (CA)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XXXX  Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries CXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

All credit bureaus have removed an open account XXXX energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned XXXX energy in any disputes with any of the credit bureaus.
Consumer complaint received 2021-11-06
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: CITIBANK, N.A. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-05-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-08-10
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions.
Consumer complaint received 2023-08-10
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. Last month XX/XX/XXXX, XXXX XXXX XXXX re-inserted the XXXX mortgage on my Equifax and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with Equifax and XXXX on XXXX/XXXX/XXXX. I also sent XXXX XXXX XXXX a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Equifax has already closed the dispute stating that the account has been verified. Equifax allowed the creditor to re-age the last activity for XX/XX/XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. I sent in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. Equifax has failed to remain bias and properly investigate my dispute. I sent in a third dispute letter on XXXX/XXXX/XXXX certified with return receipt, with a copy of the foreclosure documents. I feel very helpless in this matter and that the acts of XXXX XXXX XXXX and Equifax are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and XXXX XXXX XXXX and Equifax should not be allowed to continue to penalize me for this old debt. I am asking for your help with justice in this matter. I have enclosed all supporting documentation for your review.
Consumer complaint received 2022-10-14
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. (KY)

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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX alance Owed : {$200.00} XXXX XXXXXXXX XXXX I XXXX
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-10
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items 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 items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with XXXX, Equifax, and XXXX credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
Consumer complaint received 2022-10-14
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX balance : Balance : {$0.00}
Consumer complaint received 2022-10-14
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. (CA)

Im submitting 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX Balance : {$3800.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXXXXXX  XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX lease I took out in XX/XX/XXXX while living in XXXX XXXXXXXX, CO. The account no. is XXXX. I had a financial situation and voluntarily turned the leased car in early in XX/XX/XXXX and I stopped paying for the car at that time. 

So, that account went delinquent in XX/XX/XXXX and it has now been more than 7 years since the date of last delinquency. XXXX however are continuing to report to the credit agencies ( as of XX/XX/XXXXXXXX XXXX  ) this is a current, paid as agreed account when when they know its been delinquent over 7 years and thus should have now fallen off of my credit reports. 

It appears that by marking my account as " Current or paid as agreed '' with a past due amount of {$16000.00} XXXX is trying to " reage '' my account making it look as though it hasn't been delinquent for more than 7 years -- which it has. Concerningly, on my Experian credit report they even show false payments being made on time in XXXX to XXXX. This NEVER happened. The account has been delinquent since XXXX. This is deceptive and illegal. This delinquency should no longer appear on my credit reports and it's negatively affecting my scores.
Consumer complaint received 2023-10-23
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. (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.

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 inructions 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 2023-08-09
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: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Consumer complaint received 2022-05-17
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; COLLEGE XXXX/XXXX Date of Inquiry XX/XX/XXXX ; XXXX  XXXX  Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XXXX/XXXX/XXXX ; XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-02-23
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX : 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 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (TX)

Ally Bank report false information to the credit bureaus yes the car was repossess but the car wasn't repossess from my residence or worksite. Ally Bank contact XXXX XXXX aka XXXX XXXX to find the shop to gain repossession of the car. During ligation I was told I can bring in XXXX XXXX in as an third party defendant to find and gain repossession of the car in case docket # XXXX. Ally Bank non-suited the case XXXX XXXX the case docket # XXXX and less than an week later I receive a letter claiming they have the car from the letter was posted dated XX/XX/2021. Ally Bank had the car during ligation and kept it conceal that's basically Fraud. I believe the main reason why Ally Bank non-suited the case is to avoid paying me the {$40000.00} bond for a wrongfully issue " Writ of sequestration '' and to protect their lawyer from the charge of perjury on an sworn declaration. 

Ally Bank is trying to make it look like I put the car in the shop and hide it and they later repossess it. This is false XXXX XXXX hide the car at an shop and didn't me where and Ally Bank later repossess the car by contact XXXX XXXX without letting me know and then file an illegal lawsuit pretending that they never got in contact with him. If Ally Bank refiles then I will remove the case to federal court and counter claim for misrepresentation and fraudulent concealment.