davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-07
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: Lending Club Corp (CA)

I HAVE PREVIOUSLY DISPUTED WITH LENDING CLUB ABOUT 6 MONTHS AGO AND THEY DELETED THIS FRAUDULENT FOR ME. HOWEVER, NOW IT IS REAPPEARING ON MY CREDIT. THIS ACCOUNT IS FRAUD. I DID NOT OPEN NOR AUTHORIZE ANYONE TO OPEN THIS ACCOUNT FOR ME. PLEASE DELETE. I HAVE NEVER SIGNED AND AGREED FOR A LOAN UNDER THIS COMPANY AND THE TERMS IN WHICH THEY REPORT TO MY CREDIT.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (OH)

I have been using XXXX XXXX XXXX XXXX located in NY and recently decided to withdraw my USD amounting to XXXX back into my bank account. Per their instructions and policy I made sure the deposits I made there had cleared, that my identity and that my bank account info was verified to their standards. However, they do not allow me to select my bank to transfer to and insist I add another bank for no discernible reason and with no explanation. I have not performed any action that would warrant a hold or freeze detailed in their TOS. I have attempted to contact them multiple times since the beginning of this week both via email and through social media with no reply. I have spent hours searching for answers due to their silence and have found their social media pages flooded with complaints of people waiting months with no answers. I have not found any viable answer as to how I can initiate my transfer whatsoever and I am far from alone in this. I am currently unemployed, have a new daughter, and there is a pandemic. I anticipated that my money could be held for some days due to processing, but to have it held in uncertainty with no explanation for months will be truly damaging and is by all means entirely inexcusable.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TN)

my complaint is with XXXX and citicards. have called and spoke to XXXX about 50 or 60 times and have disputed inaccurate information for citicards approx 6 or 7 times and still no resolution since early XXXX XXXX citicards is showing a negative indicator status as of XXXX XXXX shows account reporting currentlly negative my score has dropped about 40 points and my creditors can see this on XXXX XXXX score XXXX this account was closed XX/XX/XXXX in federal bankruptcy court and dischardged. the other 2 major credit bureaus are correct. i need to have the status date updated to XX/XX/XXXXacoount should not be reporting current please try to resolve this is grossly unfair. i also uploaded my bankruptcy docs from court showing citicards included in bankruptcy status date XXXX of XXXX per XXXX recommendation. as of today they still can not confirm that they recieved my uploaded docs. please try to help me this is a very simple date correction. Thank You XXXX
Consumer complaint received 2020-10-16
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. (PA)

I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX XXXX, Equifax have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (TN)

Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates.
Consumer complaint received 2021-03-28
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: EQUIFAX, INC. (KY)

I am victim to inaccurate/fraudulent accounts appearing on my credit file. I was extremely upset when I found out that I had inaccurate/fraudulent accounts on my file. I immediately filed a dispute with the credit bureau in XX/XX/2021. It have been 90 days since my original complaint and I have yet to get my issue resolved. I have since filed a total of three disputes with no response from the credit bureau. According to the Fair Credit Reporting Act my issue is supposed to be addressed within a 30 day window. My consumer rights are being violated and I am suffering financial and mental stress due to the inaccurate/fraudulent accounts hurting my general reputation. I am being ignored by the credit bureaus and I know the Consumer Finance Protection Bureau is the governing body to the credit bureaus and will enforce that they are properly doing their job according to the consumer laws in place set by congress. I have attached the letters that was mailed to them over the three month span. I need all of the inaccurate/fraudulent accounts removed from my file immediately.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: LEXISNEXIS (FL)

LEXISNEXIS is reporting incorrect information on XXXX report. They are reporting my social security number, date of birth, driver license number associated to my wife 's claim for an accident, this is causing me to have higher auto rates for the claim my wife made on XX/XX/2015. They will not correct the information.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Please remove these inaccurate 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. 

1. XXXX Account Number : XXXX Bal : {$9400.00} 2. XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$2700.00} 4. XXXX XXXX Account # XXXX Bal : {$750.00}
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Please remove these inaccurate 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. 

1. XXXX Account Number : XXXX Bal : {$9400.00} 2. XXXX Account Number : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$2700.00} 4. XXXX XXXX Account # XXXX Bal : {$750.00}
Consumer complaint received 2023-04-05
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. (NV)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

As stated previously I have been a victim of Identity theft. All removed said account and blocked it from my report except for Experian who deleted it on XX/XX/XXXX, then reported it back on XX/XX/XXXX. Stating that XXXX XXXX XXXX # XXXX requested that it to stay on my report. I have requested to receive the verification of proof and Experian was not able to provide. This account was deemed verified without stating the method of verification. It only stated that the account was verified. This is impossible to be validated because the account was fraudulently opened. Section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. Attached is a police report made around the time of the account was notice on my credit report.
Consumer complaint received 2024-02-22
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accountsXXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I filed a complaint with equifax on  or around 2015 r egarding incorrect information appearing on a credit report involving  XXXX . It was reported back to me that this case was incorrect and would be closed with no consequence to my credit. and all reporting would be updated. This is Still showing up on credit reports. The la st one I looked at was with   XXXX   XXXX   and it shows as a collection. This is incorrect and needs to be updated as it is affecting my credit score.
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Good Afternoon, I am going to continue to submit this complaint until you open up an investigation and block XXXX XXXX XXXX from my report. I have sent notification via mail and I have submitted a complaint via corporate as well. My next step is to submit a complaint through the XXXX, which I think that I already have. 

This is not a game. You are just wasting time. You have approximately 2 weeks before my attorney files suit on my behalf because you refuse to investigate and block this account from my report. 

I AM A VICTIM OF IDENTITY THEFT CAUSED BY EXPERIAN AND XXXX. Stop playing around with my lively hood and block this account asap. 

Please see the below email that I have sent to corporate : Good Morning, I hope that everyone is doing well and staying safe right now. My name is XXXX XXXX XXXX. I submitted a complaint to the CFPB this past Sunday. The response that I received was that we dont think that it is you so we are declining to dispute this information. Not only have I resubmitted that complaint to the CFPB stating that it is me, I have submitted it to the XXXX, and now to you. I am not pleased. I am not using a company to dispute fraudulent activity on my credit report. I dont trust humans like that. I have fraud alerts all over my credit reports. That defeats the purpose. Nonetheless an account is showing up on my credit report named XXXX XXXX XXXX. That is a fraudulent account. That account was blocked under the name XXXX XXXX XXXX earlier this year. Now they are reporting under a different name. That account is fraudulent and I have been a victim of identity theft. I am sure that it was due to Experian and XXXX breach that allowed the world to have access to my personal information. I have been battling this for years, but I work hard to maintain my credit. I need this information blocked asap please. I am not pleased with the lack of action so far. Not only that, but I have sent a certified letter. I also have retained an attorney that will take action if it isnt removed within the next 30 days. I look forward to this being taken care of in my favor within the next 30 days or before. 

I can be reached at XXXX if anyone has any questions. 

Thank You, XXXX XXXX Now, for the last and final time, this is not a joke and this is, XXXX XXXX XXXX submitting this complaint. I will sue. Again, this is not a joke. I will sue for what the law allows. 

Also, see tracking number XXXX that was delivered on XX/XX/2020 at XXXX XXXX. You have 30 days from that date to remove that item off of my credit report. This isn't a joke. I will call the CFPB myself and complain after the holidays to make sure that this complaint is taken seriously. 

Everytime that you send this response, I am printing it out and sending it to my attorney, with the date and time stamp.
Consumer complaint received 2015-10-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CO)

On XXXX/XXXX/15, my wife & initiated a refinance loan application with Quicken loans. Quicken collected {$400.00} good faith fee and shortly thereafter an appraisal was completed on our home. The appraisal determined that some repairs were necessary to satisfy FHA loan requirements. We obtained bids for the repairs and, then, submitted them to Quicken Loans with the request that the cost of these repairs, {$6200.00} be paid from the loan proceeds. In addition, we indicated that we would not move ahead with the necessary repairs, because of the cost, unless Quicken loans confirmed this would satisfy the requirements to close the loan. We received assurance that this would resolve the issue so the loan would be closed, the contractor paid after closing. We had indicated that we would not and could not move ahead and authorize these repairs unless we had assurance from Quicken Loans that this would result in a closing of the loan with the necessary payment to the contractor. We do not have sufficient available funds ourselves to pay for these repairs and we, therefore, requested assurance that this would allow the loan to be promptly closed and the contractor paid. We received several such assurances from representatives at Quicken and, therefore, authorized the repairs. Now, it is over 3 months later, the repairs have been completed and reviewed by the appraiser and Quicken refuses to honor their commitment to us. The contractor wants to know when he will receive payment for his work and we are in the embarassing positon of not have a good answer for him. Quicken has left this in limbo for several months and, seemingly, will not honor their commitment to us. I have assurances from them in the form of emails as well as a confirming email to the contractor on this matter that I copied Quicken loans on over 2 months ago when the repairs were initiated.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I financed my mortgage XX/XX/XXXX. Servicing of my XXXX Mae-backed mortgage is now in the hands of Seterus , Inc . It went from XXXX XXXX to XXXX and to Steterus, effective XXXX XXXX, XXXX. Due to errors caused by XXXX, I was forced to file bankruptcy XX/XX/XXXX. XXXX used this as an excuse to stop sending mortgage statements and return envelopes at that time. Although XXXX sent me statements for a few months, eventually they too denied me the standard mortgage service of providing a monthly statement with a self-addressed, return envelope. I simply mailed my check every month to a post office box. I have XXXX mailings from Seterus, XXXX with a different variation of my name. I have requested ( 3 times ) that they send a monthly statement with an appropriately addressed return envelope for my mortgage payments to me with MY name in the address. This seems to be a reasonable request to make to a servicing company. How else can I know that my payments are received and my escrow payments are distributed correctly? I have not received any accounting on this mortgage since XX/XX/XXXX.
Consumer complaint received 2016-05-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC (LA)

I disputed this dept on my credit report on XXXX XXXX, 2016and on XXXX XXXX, 2016 the company responded to my dispute as verified so I call the company on XXXX XXXX, 2016 at XXXX I asked the representative about the dispute and why is it not being reported on my credit report as a medical bill instead of placed in collection. The representative asked me why was I disputing this account anyway, I advised him that the insurance paid this account. I also asked the representative what was he advised when they contacted the medical center to validate the debt, he responded with they do not have to contact the medical center with whom the original debt was made to validate it. According to 15 U.S. Code 1692g - Validation of debts paragraph ( A ) subsection ( 4 ) the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; The representative advised me " You needed to research the laws a little better before you start quoting laws to him ''.
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX Apartments are on my credit and transfered the account to FCO as a collection which in turn sent the file to an attorney ( which resulted to them having to dismiss the case as this is not a debt that I owe ) I called and faxed both the attorney 's office as well as FCO and they both keep referring me back to each other. I really need them to removed this from my credit as it is hurting my score and is resulting to me not qualifying for important purchases as well as increased interest rates.