davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXXXXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-09-29
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. (MD)

I am XXXX XXXX, and this complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found inaccurate. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

File a claim XXXX  back in XXXX case # XXXX back in XXXX XXXX XXXX was past 90 days wells fargo with {$600.00} on XX/XX/XXXX they sent me a cashier check it's been 106 days and I still haven't received my check wells fargo broke rules and regulations it said 90 days until your claim be resolved it took them 106 days before my claim resolved I still haven't received my cashier check.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

I woke up early morning at XXXX XXXX on the XXXX of this month to an email from Chime notifying me that my bank accounts ( savings and checking ) had been closed, the email stated no reason why but noted that I would be mailed a check once the balances on my accounts settled, I had no open balances so I also should be receiving my savings in full back. 

I also was due to get paid on XXXX the XXXX and called my job on the XXXX to notify them immediately to which they said that my check for Wed had already been deposited meaning Chime has that as well and accepted a check into a CLOSED account. I own XXXX dogs and care for my grandmother with XXXX and now the XXXX of us are starving and have no food in my home because my bills and meals depend on my weekly checks.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NE)

On Monday, XX/XX/XXXX, I drove over XXXX miles to lease a vehicle from XXXX XXXX dealership in XXXX, XXXX. Upon arrival, I was advised there a was fraud block on my Experian account. I immediately attempted to log into their website to resolve the issue, with no success. I next tried the phone number on the website, as well as several others. The phones were all answered by a automated calling system. When I requested numerous times to speak to a customer service rep, the answer was always that no one was available. ( this was during normal business hours on a Monday morning ). The phone that went on to say to log into a website, which resulted in getting a form to print out and mail in. 

I was unable to proceed with the lease, which required 8 hours of driving plus gas expenses. I have subsequently mailed in the form addressing the issue. 
The fact that there is no way to reach a real person to resolve this type of issue is totally unacceptable. I give them a XXXX score for an incredibly poor way to run a business that impacts consumers,
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-12-26
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 
Account name : 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 an 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 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureau are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

I recieved a letter from Weltman , Weinberg & Reis Co., LPA saying they represent a vague company called " XXXX XXXX '' to collect a debt of {$2700.00}. They advised that if I did not pay the debt to them ( Weltman , Weinberg & Reis Co., LPA ) within 10 days that they would take legal action against me and that is was in my best interest to just pay rather than have litigation disrupt my business. 

I have never heard of a company called XXXX XXXX nor do I have any outstanding debts with them. When I called the legal/collection agency on the phone number provided they asked for my account number and last 4 digits of my social/EIN and zip code XXXX I am unable to speak to an operator without providing this information. Because I didn't trust the agency I provided false numbers to try to talk to a representative but was still unable to reach anyone. I believe this is a scam to collect false debts and steal sensitive information. 

Please advise how I should proceed
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX was reporting inaccurate information on my credit report that has caused me significant harm to me and my character. This has held me back from getting financial gains. I had requested so many reinvestigations about a XXXX XXXX account that was being reported and sold without my consent. Now the two XXXX XXXX accounts are not viewed on my XXXX report however XXXX has the fiduciary duty and obligation to notify all furnishers, Transunion, XXXX, XXXX, XXXX, of this inaccurate reporting and XXXX has failed to do so. All other furnishers are reporting inaccurate information on my consumer report and this too is causing me significant harm. XXXX has failed to fulfill their obligation pursuant to the Fair Credit Reporting Act, for the banking system is depending on fair and accurate reporting of the consumer. Also XXXX failed to delete all inquires on my account and also failed to remove the fraud alert like instructed to do by the consumer. Demand removal of job information
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I was at a event and lost my debit card. I immediately requested a replacement card the following day and tried to contact the bank. I couldn't dispute the transactions until they posted so on XX/XX/XXXX, I submitted a formal fraud claim for some transactions that I did not make. The total for these transactions was roughly {$310.00}. Kabbage looked into these transactions and flagged them as fraud/returned my money but then immediately put a lock on my account. At this point, I was unable to access any of my funds in my bank account and no matter who I called and spoke to, they told me they couldn't unfreeze my account until a supervisor spoke to me. I was without funds or access to my money for the rest of XXXX and now all of this month. I requested to speak to a supervisor XXXX separate times but was told they had to call me back... I never received a call back. Roughly a week later, my replacement card arrived in the mail but it would not let me activate it because my account remained locked. I called back and was told that this " lock '' was just automatic due to fraud and would clear up in 3 days. 3 days passed and it still remained locked. Everyone I called and spoke to could not tell me why or how long it would be locked for. I fell behind on my bills because I was unable to access any of my money. At the beginning of this month ( while I no longer have the old card, and while my account still being locked ), Kabbage started allowing charges to go through on my old debit card ( the one that was lost/stolen ). I no longer have access to this card but I am also not able to access my account to review and validate any of the transactions so I did not authorize them and am not sure where they are coming from. No one can tell me why I can't access my account still. As of this week, all the money I had " locked '' in that account has now been charged off and the balance is all but depleted ... All on a debit card that was supposed to be cancellled and that I no longer have access to. Kabbage should not be able to freeze anyone 's funds without any explanation and for this long. Their behavior is criminal and left me with a horrible taste in my mouth.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MD)

I am a customer of Wells Fargo bank and am also filing a complaint against Wells Fargo Bank who refused to pay me {$940.00} in compliance with garnishment order from the US District of Maryland against a company that has a checking account at Wells Fargo Bank named XXXX XXXX XXXX. The background on the garnishment order is that XXXX XXXX XXXX violated XXXX XXXX and after I blew the whistle on them in XXXX I won the case at OSHA where it was heard, and the Secretary of Labor ordered XXXX XXXX XXXX to pay me a sum well over {$28000.00} but XXXX XXXX XXXX didn't pay me anything so I began collection proceedings in the US District Court in Maryland and received a judgement in my favor of {$36000.00}. I then applied for and received the attached garnishment order that I sent to Wells Fargo Legal Order Processing, their number is XXXX case number XXXX but unfortunately XXXX XXXX XXXX only had {$940.00} in their Wells Fargo checking account at the time. Wells Fargo Bank froze that amount but did not send me anything claiming I needed a second document signed by The US District Court of Maryland called a pay out order. My attorney says that it is not feasible or legally necessary to get a document called a pay out order signed by a Federal judge and all Wells Fargo Bank needs is the payee, me, and a validated garnishment order. This back and forth has gone on for months since Wells Fargo Legal Order Processing received the garnishment. I am filing this complaint because I need you to step in and speak to Wells Fargo about the legality of their actions because it appears that they are not in compliance with a Federal court order. Thank you.
Consumer complaint received 2023-03-30
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 is my NUMEROUS request that 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 items 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 items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXXXXXX XXXX Balance Owed : {$52000.00} XXXX XXXXXXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

I applied for this credit card to receive {$200.00} cash back after spending {$500.00} in the first XXXX XXXX. They did not send me a billing statement at the end of the XXXX. This is a brand new card or I would know when it was due to be paid. ( in addition, I was out of commission a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I really didn't notice how much time went by since I first used the card ) I only found out when I went to use it and my purchase was declined. 
I immediately, after completing my purchase with another card, called the number on the back of the credit card. I believe this was XX/XX/XXXX. It was an automated number and after finally getting it to transfer me to a live person I was disconnected. Not once, but XXXX times I tried to speak to someone. Next, I tried the social media way of getting their attention. They responded and said to message them. I did and they said they forwarded my complaint to the appropriate department. I have XXXX confidence in that promise and it has been a XXXX already with no word. I did find out they sent the bill to my email account. I do not have a working computer, my wi-fi is abysmal, and I rarely even look at my email anyway. Especially if I seemingly have no reason to. So, now the payment is late. I refuse to pay a late fee because they can't be bothered spending XXXX cents on a stamp, also, I want my {$200.00} sign on bonus. I have approximately an XXXX XXXX XXXX and I am extremely concerned this company is going to destroy it. When this is resolved you can be assured this card will be cut up and never be doing business with them again. I have plenty of other credit cards to use that don't give me such problems and no debt. I mean, who doesn't mail you a bill? Especially a card solicited to a senior age group. I can't help but think this is a banking scam. Thank you in advance for your help in resolving this problem.