davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

My wife and I originally applied for a refinance mortgage through Quicken Loans ( Rocket Mortgage ) on XX/XX/2020 with XXXX XXXX. After a while of no contact, no communications, even after e -mails and phone calls, we finally ended up with a new loan officer,  XXXX XXXX XXXX XXXX He said he would take care of everything. He worked up a new estimate, redisclosure package on XX/XX/2020. He sent me a voicemail on XX/XX/2020 saying all was well and Quicken Loans was going to take my mortgage refinance. That was the last I have heard from him. I have tried e-mail, left messages on his phone, left messages on their message board, left messages in his text messages on his phone. We have contacted client services, who have said he would call back, his supervisor would call back, his director would call back. Nothing has happened. Last Friday, XX/XX/2020, I called and talked to a XXXX XXXX and was told she was in contact with XXXX and he would be calling us shortly, that never happened. We have done everything they have asked, including signing The Intent to Proceed on XX/XX/2929, and yet no communication.
Consumer complaint received 2023-07-13
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. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX VA XXXX
Consumer complaint received 2023-05-08
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This statement shall serve as my formal notification that I am in good faith requesting debt validation, not account verification nor copies of the debt statement. I have noted the following deficiencies in the debt statement. 
1 ) Failure to provide any documentaion in regards but not limited to any tradelines, securities ; guarantee agreements ; tax forms, insurance notes, bonds or any other record that will prove in addition to a written declaration by a live witness with first hand knowledge of the origin of this alleged debt.
Consumer complaint received 2023-01-09
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: NAVY FEDERAL CREDIT UNION (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Consumer complaint received 2024-03-19
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. (WI)

I have been a victim of identity theft I have proof someone got a mortgage loan private student loans and I want the too be prosecuted before a judge my names and phone numbers found on my XXXX  account belong too I know people and I have lots of auto loans and XXXX entities I have never filed for please correct my credit the fraud person last four digits too XXXX is XXXX please take care of this matter I have lost so much
Consumer complaint received 2023-01-09
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. (IL)

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 XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name 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 2024-01-17
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. (AR)

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 

I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. 

I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
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: Source Receivables Management LLC (MI)

I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Consumer complaint received 2020-10-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Previous - COMPLAINT ID XXXX, Regarding : XXXX XXXX Account Number : XXXX, SUBMITTED ON XXXXExperian response to the filed CFPB complaint, was to follow up with my complaint against XXXX XXXX, XXXX , and submit to me the results of it's investigation. Experian failed to formally investigate the XXXX XXXX account and provide results of the investigation, as requested. Experian continues to allow XXXX XXXX to furnish false, damaging content on my credit report. XXXX XXXX refuses to respond to my complaint.
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2020-10-05
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (TX)

I have struggled with money as a single mother and I got caught up in payday loans and I did pay on them on time always until I lost my job back in XXXX. I have told them that, but I unfortunately did get XXXX  from the phone calls and not being able to pay or find a job due to pandemic. You can clearly see my history on all of them I was always on time, till XXXX. Now my credit is completely ruined, and I have told them to be patient till I found a job which I recently did. But they have called every single day. I want to get back on track but am behind so I would just like some guidance on how to get help. Thank you
Consumer complaint received 2023-03-24
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit 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
Consumer complaint received 2020-09-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (CO)

On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by Halsted Financial Services, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called Halsted Financial Services. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with Halsted they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.
Consumer complaint received 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Trans Union has FAILED to conduct a reasonable investigation in 30 days and failed to provide the results to me in 35days. 

Trans Union acknowledged receipt of my dispute on XX/XX/2023, I submitted my dispute via CFPB # XXXX on XX/XX/2023 and they sent me the results on XX/XX/2023 which is 40 Days and is a clear violation of FCRA 611 ( a ) ( 1 ) ( a ). 


The law states this account should be deleted! 

XXXX XXXX XXXX # XXXX. 

I would like to forego going to COURT but will do so if I am forced to. Delete account immediately.
Consumer complaint received 2020-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

My car lease ended in XX/XX/2020 and the balance was paid in full. Now in my credit report it shows that there is a pending balance and i am past due affecting my credit report. i spoke with XXXX XXXX and they said that there is no pending balance and the account was close and paid in full. However, Experian report said that i am late. I started a dispute two weeks ago but they are saying that they have 30 days to fix. my credit went down and other creditors ( credit cards ) started taking actions. Last week i received a letter from a Matercard ( a card that i had ) closing my card, because I have late payments. The same situation is happening with XXXX XXXX, I had a loan that was paid in full two weeks ago and they are reporting that the loan is late and affecting my credit. 
In addiition, Experian is sending emails advertising the Experian Boost and other application to fix your credit by paying a fee and asking for a credit card to fix these problems. 
My death at this point is less than 15 % and nothing has been update, the only thing that they update is your score is going down. 
They continue bringing down my credit score by those situations. 
Please assist to escalate with this company to maintain an accurate information and the responsibility to fix and correct a problem. If they decrease the credit score by certain amount of points, because an incorrect information the point that they took they need to be back. 
A credit score is affecting my life, my loans, my mortgage. 

Thank you for looking into this, they can't continue acting only as a library. this is how the Account manager from Experian described the company. no responsibility if they make a mistake. Only focus how to make money and use your information ...
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, 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. (NC)

Credit oddities showed up with SSA for my XXXX year old mother. I contacted all 3 credit reporting companies in order to freeze credit and request a report for both parents. I had to provide my proof of identify, POA, parents proof of identify, SSA info etc to them. I sent all via certified letters and can not make any progress with Equifax after lengthy calls, them cutting me off, etc. I sent information they required to the address they specified by certified mail with a receipt. The post office provided a receipt that the sensitive information was received by Equifax on XX/XX/20 and signed by XXXX XXXX. I called and was asked to wait 30 days. I spent an entire morning on the phone trying to get the information but all they could tell me was that the info wasn't in their que. I sent another letter with a copy of the receipt and requesting that they located this very sensitive information that I sent on behalf of my parents. Certified mail receipt for XX/XX/20 again signed by XXXX XXXX. NOTHING. They still have nothing. They not only have on data breach but I now have concerns about inside their company. Can you please help?
Consumer complaint received 2023-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

XX/XX/XXXX. 
Midland credit management. 
Amount XXXX Have already paid XXXX XXXX XXXX  almost XXXX XXXX for a debt I didn't owe. 
My identity was stolen from me without my knowledge my XXXX XXXX  used all my personal information to do all these debts. At the time I was married to him I was a XXXX and was a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX He took care of the financial matters. I didn't have a steady job. Inspite of reporting to the credit bureau XXXX XXXX and XXXX, I still am repeatedly harassed by getting letters in the mail that I owe all this debt .and phone calls asking to verify my personal information.my credit has been affecting me to even rent a place to live. I am a single mom trying to take care of my child with needs and can not hold a full time job because of XXXX XXXX XXXX XXXX XXXX

I barely pay my bills with my part time job XXXX hours a week. I have no family or any support. 

In XX/XX/XXXX. My identity was stolen by a scammer online pretending to be an XXXX customer service representative.stole my identity this was reported to the law enforcement agency in XXXX XXXX WA. 
The reference number for the police report is XXXX. 
And for the identity theft reference number is XXXX. 

Please help ASAP. 
Thank you.