davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I hope this message finds you well. I am reaching out to follow up on the complaints, regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-14
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 am formally submitting a request for the removal of an inaccurate public record of a XXXX  XXXX bankruptcy from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is referenced as : Reference Number : XXXX Date Filed/Reported : XXXX XXXX, 2021 This bankruptcy entry has caused me severe financial and emotional hardship, significantly impacting my ability to provide for myself and my family. The record in question has either been inaccurately reported or has been maintained on my credit report beyond what is permissible by law. Furthermore, I believe this matter has not been handled in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and FCRA.
Consumer complaint received 2024-01-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NJ)

I had to withdraw my XXXX for {$1300.00} because I am getting evicted. My deposited the check to my Cash App account on XX/XX/XXXX XXXX XXXX XXXX ( a Saturday ) with a message on the app saying that it will be available WITHIN 4 business days. It has now been 7 business days and I have been calling and emailing with representatives for days with no kind of explanation or consideration at all. They just keep telling me to be patient and wait. I called the issuer of the check ( XXXX ) and they informed me that as of XX/XX/2024 the check was in cashed status and they no longer have possession of the money. This means that THREE days after I deposited the check cash app gained access of my money and now SEVEN DAYS LATER ( 5 business days ) I still dont have my money. Every time I call the representative pretends to be looking into my case for an insane amount of time ( Ive been on hold for 40 minutes at a time ) and comes back with absolutely nothing. They just tell me to be patient and allow more time for the check to be processed! I AM BEING EVICTED! With XXXX XXXX! This is not right! Please help!
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

This is a formal complaint against XXXX XXXX XXXX. This company has violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. As I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2022, stating that the XXXX XXXX XXXX give them permission to collect the alleged debt which is very inaccurate since XXXX XXXX has no legal right to collect as I never signed a contract with them.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-14
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. (IL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

I am rewriting to formally refile a complaint against COMENITYCB regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my COMENITYCB credit report, I discovered several inaccuracies and fraudulent accounts. There are fraudulent accounts on my report, included in my credit reports. I did not open the account and was not informed about it beforehand, indicating it was established without my consent. I have already taken steps to address these issues by contacting COMENITYCB directly. I submitted a dispute and provided supporting documentation, such as drivers license, ssn card, proof of address and FTC report XXXX. Despite these efforts, the inaccuracies and fraudulent accounts have not been removed from my credit report, significantly impacting my creditworthiness and financial stability. I am requesting that the CFPB intervene to ensure that these inaccurate and fraudulent accounts are promptly removed from my COMENITYCB credit report. Additionally, I seek written confirmation from COMENITYCB once these accounts have been corrected. I also ask the CFPB to investigate COMENITYCB handling of my dispute and its adherence to FCRA and CFPB rules.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

I have tried every which way in obtaining my free report. They are completely evasive. Experian is no comparison to XXXX and XXXX. I had no problem with either of them. 
Please help me obtain my free credit report from Experian. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NY)

I have had a square account for over 5 years and only get paid after my company completes the services a client paid And they froze my money and said I cant access for 90 days these funds will finance my materials and pay staff for the next contract with out my funds I will forced to close o am actually XXXX XXXX XXXX XXXX XXXX XXXX this is how XXXX this has got me
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my XXXX  listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Paid off my  XXXX    XXXX   and   XXXX   XXXX   XXXX   XXXX   credit cards over  three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name
Consumer complaint received 2017-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I contacted PHH Mortgage to provide my statements via mail ; they refused. I asked them to a least provide the tax statement at the end of the year via regular mail. They told me that they were going to do it. However, they have n't provided any information via mail. 
I tried to login in their website for days now and I keep getting the message below : We are currently upgrading this website. 
The site will be back up no later than XXXX Eastern time. 
Please stop back. 
I need my loan tax information to complete my tax return. During the week is very difficult for me to call them because I work from XXXX to XXXX. However, I have tried a couple of times to call them from work. I got put on hold for over 20 minutes. I do not have the time to be on the phone that long. I only get 15 minutes breaks from work. 
Can you please help me to get my tax information via regular mail? 
Thank you, XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX AUTO XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-09
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: First Advantage LNS Inc. (MD)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (NJ)

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of their license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2016-08-24
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

Tried to get a loan modification with OCWEN. They assigned me to a " Relationship Manager '' outsourced to XXXX. Could n't speak/understand English. He ( apparently ) wrote that I denied the loan mod. Spoke to someone in USA, he gave me " Ombudsman '' number & that someone was always there. He said I was n't allowed to request one person handle my case and that they be in my country of origin, the USA, that " it 's their rules and they follow them. '' Called Ombudsman dept, got recording, left message. Called " Escalation office '', left 4 messages. I have until Friday XX/XX/2016 to decide if I accept their terms for loan mod ( which is more than double what I 'm paying monthly now ), without which would be triple what I 'm paying monthly now. I 'm XXXX on SSI and can barely afford what I 'm paying now. OCWEN is the company that took over my home equity line of credit from IndyMac when they went under, and they are calling it a XXXX mortgage, which it is not. They 've already threatened foreclosure, even though I 'm not behind on payments. I ca n't believe they outsource all their loan officers to XXXX, with poor telephone connections and no callbacks.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I moved out of California XXXX and had a charge from an apartment complex and a pge and water bill in XXXX from XXXX XXXX apartments in XXXX for over {$49000.00} and it wasnt me. I contacted experienced numerous times to dispute and the didnt.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally, protected consumer rights to privacy And confidentiality under 15 USC 1681 Account name # 1234 account name # 1234 account name # 1234 account name # 1234 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 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 and crimes, which antedates the report by 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 cost to believe that the right Solution Delete these accounts
Consumer complaint received 2024-10-14
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. (PA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. ()

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

A letter of goodwill was sent to XXXX XXXX XXXX ( XX/XX/XXXX ) via email for my closed credit card account to remove the late payment history from the tradeline. The bank agreed my request dates XX/XX/XXXX and XX/XX/XXXX and provided a letter to support. I disputed this account several times with Experian with no resolution. The account was updated monthly after each dispute to reflect verified/accurate. I have attached the email sent to XXXX XXXX XXXX and the response showing the goodwill letter was accepted. I'm looking to have the payment history updated and the XX/XX/XXXX and XX/XX/XXXX ( 30 - 60 ) days late payment remark removed.