davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OK)

Rocket Mortgage XXXX is billing me {$180.00} for a lapse in insurance coverage that wouldve never happened if the Rocket Mortgage employee would have sent an email to insurance companys correct Email address. The employee did not follow up to see if the insurance company employee received the email ; however, If she would have, she would have learned that she had misspelled a name in the email address and the insurance company employee never received the email which resulted in the premium not being paid and a lapse in coverage. Ive spoke to a couple of employees with Rocket Mortgage who are unwilling to accept responsibility claiming that they did follow up with a phone call but the insurance companys phone system was out of order. The insurance company claims that their phone system has never been out of order. Once I was notified that my premium had not been paid, I am mediately got insurance. I believe that rocket mortgage should waive the {$180.00} for failure to communicate with the insurance company and myself prior to the policy lapsing. If Rocket Mortgage would have communicated this information in a timely manner, my policy would have never lapsed. Rocket mortgage claims that the insurance company should have had the proper information as to who the mortgage company was and they are responsible for the lapse in coverage. Either way, rocket mortgage is still trying to charge me for this epic failure.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Back in XX/XX/XXXX, I reached out to Equifax about an account ( XXXX XXXX ) thats still reporting on my credit repot when it was suppose to be removed in XX/XX/XXXX after payment. Equifax still hasn't removed the account. I reached out to the company ( XXXX  ) that reported the account and they said they sent over the information to Equifax to have the account removed and its still reporting on my account as of today. I want this account removed immediately as it is affecting my score and chance of being a homeowner.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

on XX/XX/2022 and XX/XX/2022 i resquested the verification of the alleged debt pursuant to my right. Lvnv funding llc failled to obtain and send verification of the alleged debt by not mailling me a contract .instead of sending a signed contrat or agreement as requested
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to XXXX XXXX compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Collection {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX shows on these dateXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$50.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I found inaccurate information on my consumer report and notified Equifax via certified mail with proof of my identification and location information. Equifax was to initiate a reinvestigation and remove the inaccurate information and it has been more than 30 days since notifying them and they are still publishing the inaccurate information which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WV)

I got a free copy of my credit report from XXXX XXXX XXXX and theres are multiple requests for credit that I never applied for or gave permission for and I don't understand how or why they are on my credit report. My fear is this could be a sign of attempted identity theft, I have done fraud report on the FTC website and identity theft reports on the goverment website. I am also putting fraud alerts on my credit and I have signed up for credit monitoring service so I can make sure to be notified if this happens again. I have done research and I've found this under The Fair Credit Reporting Act law. ( 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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 ). That is what I'm doing, I'm requesting to have all these fraudelent credit inquiries removed from my credit report. As I said I didn't apply for anything, sign anything or give anyone permission to look at my credit for any reason whatsoever so these inquiries are unauthorized. I called Equifax Credit Bureau and explained everything to them. They told me I had to contact the companies that did the credit inquiry to have it removed. So I did what they said, I called the phone numbers listed with the inquiry and explained to them that I wanted them to remove their unauthorized credit inquiry from Equifax. They all gave me basically the same exact response, we can't remove the inquiry you have to call Equifax, only Equifax can remove the inquiry. So I then called Equifax again and told them what the companies said, and they refused to help me. So I did more research and found that I could file a complaint with CFPB over companies not following the law, and have the CFPB contact XXXX XXXX and have them remove these fraudelent credit inquiries. I don't want to get anyone in trouble, I just want them to stop violating my rights under Fair Credit Reporting Act law.
Consumer complaint received 2022-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

During XXXX, Bank of America charged late fees on our loan account 2-3 times ( for a total of {$890.00} ) when we were a few days past the grace period. We asked to change the due date on the loan to better match the timing our self-employed income was received during the month and the bank later complied & changed our monthly due date from the XXXX to the XXXX of the month -- at that point I asked the bank to waive the prior late charges & was told by a bank representative that I would need to show a new track record of no late payments and to make the waiver request later after a good record was established. I was not told at that time that I must make the request within 12 months of any charged fee. I did not make a request during XXXX because of covid distractions & assumed a longer track record would help the request when made. This year XXXX I have made the request several times to the bank -- we have not had a late payment since the due date change -- but the bank reps now repeatedly tell me the policy is : such fees can not be waived unless the request is made within 12 months and they will not waive the fees. We have been banking customers at Bank of America for over 26 years and we are frustrated that the policy was not disclosed to us in XXXX ( if it was in effect then ).
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (CA)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-04-07
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-05
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. (CA)

in accordance with the fair credit reporter act XXXX  acct # 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 states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just XXXX account credit bureau are showing different numbers.XXXX shows the Docket number as XXXX XXXX shows XXXX and Experian shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at XXXX or multiple accounts The fallowing fields are inconsistently between the 3 Credits Bureau
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  scammed me into sending money for investment Money sent thru XXXX and XXXX and XXXX XXXX  from XXXX to XXXX No delivery on promise and no return on investment and no refund Main fraud XXXX  account is XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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. (TX)

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

On XX/XX/23, Citibank reduced the credit limit on my simplicity credit card from {$10000.00} to {$6600.00}, a reduction of {$3300.00}. This action was to be done immediately and no reason was given. I have had this card for almost 6 years and have never had a late payment. This unexplainable action that this bank has taken will have a serious impact on both my credit score and the financial well being of both me and my family. On XXXX, I called the bank and made a request to their rep. to have them reconsider this action. I received word today that my request was declined. I would like Citibank to reinstate my {$10000.00} credit limit and issue me an apology for this insensitive customer situation.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Equifax 's website to check for potential impact on their breach resulted in automatic enrollment in their program TrustedID. They said that if I inputted my information I would be able to figure out if my information had been compromised. However, when I did so, I received a message that said that I had been automatically enrolled with a date of X/XX/17. While I know that my enrollment is not complete, there website is advertised incorrectly to 1 ) provide me on information on whether or not my information had been compromised and 2 ) ask for my consent prior to enrolling me in their program. This must be fixed immediately.
https : //www.equifaxsecurity2017.com/potential-impact/
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX Account XXXX NEW RELEVANT EVIDENCE NUMBER XXXX Equifax is reporting and publishing inaccurate information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The XXXX XXXX account you are publishing about me is inaccurate because : Equifax is reporting and publishing inaccurate information ( tradeline ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The XXXX XXXX account they are publishing about me is inaccurate because : On several occasions they have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$1400.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. I request that you DELETE the above-listed tradeline and provide me an updated consumer report. Inform any person that you reported the deleted information to that it was deleted from my report I have a right to an accurate credit file and discrepancies like this are unacceptable. XXXX XXXX is required to report accurate information. The reporting of this inaccurate information on my credit reports will be considered a violation of the UCC 9-615, UCC XXXX XXXX FDCPA and FCRA. The following evidence exhibits are included : 1. Explanation of Calculation of Surplus or Deficiency ( XXXX XXXX ) 2. XXXX XXXX XXXX 3. My letter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX response
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/year> my fiancee and I purchased a XXXX  engagement ring at Zales jewelry store in XXXX XXXX Florida for XXXX. 
The salesman offered us a promotion of 12 months interest free but never mentioned the amount of interest. Over the past year we were able to get the total amount of the bill down to XXXX. When we received our last statement we noticed that interest at the amount of XXXX. XXXX had been added to our bill which is shocking since we were never told about this much interest would be owed. We would have certainly paid the ring in full if we had known.
Consumer complaint received 2022-05-05
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. (TX)

In 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 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I called several times so they can remove all OLD address, phone numbers names and nicknames on file! Some XXXX ERASED EVERTYTHING ON FILE INCLUDING MY CURRENT ADDRESS. I have called over 50 times and submitted all kinds of paperwork on line which that upload portal NEVER works, I even mailed in a copy of XXXX Government Identification cards as well as XXXX current bills which have my address. My credit report has NOT BEEN UPDATED SINCE XXXX. To this day I keep getting wrong information and that within 24 hours they are going to add my current address of XXXX XXXX XXXX XXXX, XXXX TX XXXX and fix it but i keep getting that same response over and over and nothi9ng gets updated. My credit report is still stuck in XXXX, I have told them that I can drive to XXXX, TX IN PERSON IF THIS DOES NOT GET RESOLVED. ITS LIKE IF I AM TALKING TO A FOREGN GOVERNMENT!!! How can I file a lawsuit against Experian?