davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

This is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX. Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.
Consumer complaint received 2024-02-29
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. ()

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-29
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. (CO)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-15
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. (IL)

I'm victim of identity Theft, I have filed report with FTC as well as a Police Report in my community, I have sent to Equifax disputing letters like 4 times, they still denied removing one of accounts that been opened by fraud. ONLY EQUIFAX has reported this account and keep saying to me like this account has been verified. HOW?? If two other Credit Bureaus removed this account and Equifax has been verified. From my last letter that I mailed to them in XX/XX/XXXX they didn't even responded. All my mails been sent with certified mail and return receipt. I can have all proof of violation my rights. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this in inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account. 


I'm willing to explode all my rights and send all information to Attorney General.
Consumer complaint received 2022-01-18
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)

I have sent several disputes and verification request. The credit Bureaus have failed to respond in a timely manner, they have also failed to correct the mistakes. There are several accounts that are reporting different information to each Credit Bureau. I have brought these items to the attention of each Credit Bureau and requested that the inaccurate information be removed from my credit report. To day they have failed to make the necessary changes. 

XXXX Acct # XXXX has a different date of last of activity for each Bureau XX/XX/XXXX but XXXX XX/XX/XXXX and date of last activity is XX/XX/XXXX The account is also showing as never disputed when in fact it has been disputed several times. Account shows a different high balance for each Bureau/// this account is inaccurate and needs to be removed from my credit profile. it is also over the statute of limitations. 

XXXX acct # XXXX has a different date of last activity reporting to each Credit Bureau/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for Equifax date of last payment is different for each Credit Bureau also reporting an inacurrate high balance / Claims dispute were resolved when never investigated or provided results XXXX  Account # XXXX reporting inaccurate information on my credit report // and should be removed different date of last activity to each Bureau different date of last payment reported to each credit bureau date of last payment different for each Bureau XXXX XXXX XXXXXXXX account # XXXX date of last activity is inaccurate reporting different information to each credit bureau date reported is different for each credit Bureau collection account showing 90days late 2 times with no 30 or 60 days late reporting a high balance of XXXX to XXXX which means nothing should be owed XXXX/ acct # XXXX date of last activity is inaccurate XXXX XX/XX/XXXX XXXX collection account showing late this is inaccurate high balance of XXXX to XXXX and {$140.00} to Equifax XXXX XXXX acct # XXXX shows a different high balance to each Credit Bureau date of last activity is different for each Bureau XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX and Equifax XX/XX/XXXX date of last activity is different for each credit Bureau
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (CA)

I recently checked MY Credit report on XX/XX/2018, and I noticed an account was in collection for XXXX a medical debt. with no collection company or original company, I had to call into XXXX to find out who was reporting me. they had told me XXXX XXXX XXXX was the owner of the debt and the original company is XXXX XXXX XXXX. I have yet received any contact from XXXX XXXX XXXX which makes them unprofessionally. I want to know Why my medical information is being sold to a 3rd part debut collector in which they have violated my personal rights under the HIPPA Act. Do I want to know if this Collection company is legally able to collect in my state of California? 

I also want to know who your insurance company and policy number to further pursue legal action against your company.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (CA)

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Consumer complaint received 2022-10-15
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: Amsher Collection Services, Inc. (OH)

To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit nmlsconsumeraccess.org. Listed below are the companies XXXX ) XXXX XXXX XXXX ) I XXXX XXXX XXXX ) XXXX XXXX  XXXX ) Amsher Collection Services XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act these accounts have 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. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WV)

On XX/XX/2021 someone tried to use my NetSpend card and charge {$2000.00}. The charge was blocked and their fraud department informed me that my phone number XXXX street address, etc. had all been changed. He then unblocked it and sent me a different card which I should arrive tomorrow. Immediately someone logged in and turned off notifications to my phone number and changed the email address ( pics attached ). I have since tried to get help unlocking my online account so I can transfer money to my wife 's account because ALL of my money is locked to that account. After calling from XXXX XXXX  to XXXX ( closing ) on XXXX XXXX and again this morning XXXX XXXX from XXXX XXXX  until XXXX XXXX  I've been told they can't look at my account or even transfer me to their fraud department again because my security answers were wrong! Obviously, because I don't know the hacker 's answers! So basically 6 hours of calling and arguing ( all time that they are using to do who knows what to my account and money ) and XXXX calls ( every number that isn't blacked out is NetSpend ) I've called the FTC who directed me to this page for help.
Consumer complaint received 2018-02-18
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 — Investigation took more than 30 days
Company: Innovis (IN)

XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/2018. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXX XXXX  NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXXXXXX XXXX  XXXX IN AN INVALID TRADE OF XXXX. 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/2018. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I previously submitted complaints regarding mortgage fraud, I received a response from your agency regarding XXXX XXXX XXXX XXXX You agency referenced these reports as duplicates, however, all reference numbers were connected to loans taken out or transferred by XXXX subsidiaries. I created a spreadsheet based on all fraudulent XXXX 's submitted and it appears the above reference reports many not be duplicates. Please review my spreadsheet just to double check, It appears documents were passed to each XXXX subsidiary and new loans were taken out on their behalf which, explains why there was a a balance on the home were was stated by XXXX XXXX to have been paid off, This document is located in the Georgia Clerk of Superior Court System. We have never refinanced any loans on our personal property.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2019 I discovered that my XXXX cell phone CIM card had been swapped without my knowledge. This enabled thieves to have access to my phone and banking information. 

The same day, the thieves went to two separate branches of Bank of America and were able to make over-the-counter withdrawals of {$2500.00} from my savings and two withdrawals from joint checking in the amounts of {$4500.00} and {$6300.00} for a grand total of {$13000.00}. These fraudulent transactions were reported the next day to Bank of America and a police report with the City of XXXX was also filed. 

Over the last seven weeks, I have received no communication from Bank of America either by phone, email, or letter. I still do not have any documentary acknowledgement of the claims from Bank of America. 

After having spend 47 minutes on hold in order to speak to a member of the fraud department, I was informed that we were only on day 36 of a 90 working day process to investigate my claim and resolve it. ( My understanding is that federal regulations require these items be resolved in 60 calendar days. ) Additionally, I complained to a supervisor in the fraud department and was given no estimates or  assurances of when my funds would be returned and was fobbed off by the excuse that BOA has to work the claims backlog in order and that they were very busy. 

The amount of time to resolve this issue and return my funds is excessive and I am beginning to suspect that this slow-playing of legitimate claims by customers may be intentional on the part of the bank.
Consumer complaint received 2018-02-18
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: EQUIFAX, INC. (MI)

Equifax.com asked me authentication questions that come from my credit report to verify I'm me. One question asked me what company I had an auto loan with. I've never had an auto loan, so I answered " none of the above. '' It asked me non-applicable question after non-applicable question like that. It said it couldn't verify me based on the questions. What? I answered every single question correctly. 

I have filed complaints against Equifax, but, instead of addressing and fixing the issue, they respond back with : " Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Please be advised that the authentication questions on the Equifax website are questions designed to be known only by you. Please be aware that these questions are in no way an indication that the given information is in fact reporting on your Equifax Credit Report. These questions may or may not be applicable to you. Its a protective measure that is used to deter any perpetrators from trying to gain access to your Equifax Credit Report. Please note that for future disputes of credit report information, you may visit www.equifax.com '' When I go to other sites such as usps.gov that use authentication questions from my credit report, they always claim I answered the questions wrong too.
Consumer complaint received 2023-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

After being told by Rocket Mortgage 's " Customer Support '' that NO ONE who worked for the company could make an exception to their policy about re-clearing a returned debit I spoke with their Account Resolution folks. I was placed into a short term modification during which I would pay the past due amount over that time period by making larger payments. I asked numerous questions about the modification since it did not contain a lot of details. One of the questions I asked was about bringing my loan current this month, XX/XX/2023. I was reassured that I could pay the XXXX payment that had been returned for NSF twice this month. When I tried to pay the XXXX payment I was unable to do so. I then sent 2 separate email messages to XXXX After sending the first email I then tried to call two separate numbers identified as Rocket Mortgage numbers. After calling the first number I was advised via their XXXX that no one could take my call and that I could not leave a message. No explanation was given. I then tried calling a number identified as being for the Account Resolution staff. I spent some time navigating the XXXX only to ultimately get the same message. 

I logged into their webpage again and found the following message posted : " Our call center is currently experiencing issues and we are unable to accept calls. All self-service experiences on web, mobile, or automated phone system are functioning as expected. '' Each time I've tried to make the payment online I receive the following message on their website : " We're unable to schedule, edit or delete your payments at this time. Please call ( XXXX ) XXXX to speak to a specialist. Our hours are Monday - Friday XXXX a.m. - XXXX XXXX  ET and Saturday XXXXXXXX XXXX - XXXXXXXX XXXX ET. '' I suspect you can guess the level of frustration I am experiencing. XXXX makes it virtually impossible to reach any member of their corporate offices rendering them utterly unreachable for all practical purposes.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

On XXXX XX/XX/2021 I was looking around for rental property and found them on XXXX Was told to fill out an application which they sent me through email. I did fill it out and send it back. The application included my SSN as well as other information. They came back and said we were accepted for the property and that they were missionairies out of town in Ohio and that after I wired over the deposit of {$1000.00} that they would mail me the keys. I thought this was a bit fishy but ok I did so. Then today they sent me the lease to look over and sign. Everything looked on the up and up in the lease so I signed it and sent it back. At this point they asked for the first months rent and an HOA fee of {$1500.00}. This is when it really raised a flag because there was no mention of an HOA fee anywhere in the listing nor on the lease. I then checked out the same property on XXXX and saw that there was a property manager XXXXXXXX XXXX XXXXXXXX. I contacted them and gave them all of this information and they said that the property did not belong to this person and that it was a scam. I should also mention that the wire transfer through Zelle was to be sent to their " son '' a XXXX XXXX phone number ( XXXX ) XXXX. I only sent them the initial amount of {$1000.00}.