davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. My information was used to open an account with XXXX without my authorization. I never used this account nor did I receive any benefit from this account. 
I contacted XXXX a few months ago and they assured me that they will investigate this thoroughly. 
The last correspondence from XXXX dated XX/XX/XXXX states the following : " We respectfully decline to remove the XXXX / XXXX XXXX XXXX account ending in XXXX from your credit profile as we have determined that you are responsible for the account. The account was established on XX/XX/XXXX and the card was mailed to an address previously verified to you. In addition, the phone number used for activating the card also verifies to you, we also have signed correspondence on the account from you, and your previous request to convert to this account. There were payments received for this account from a checking account in your name. We also confirmed that the statements were sent to the address listed in your CFPB complaint and FTC report. '' This is extremely disappointing. Based on their findings it seems that one of my household members was the one who opened the account, and that is how he/she was able to have the card mailed to my address and activate it from my phone number. It has also became clear since that a bank account has also been opened in my name without my authorization, and this account was used to make payments to the XXXX credit card. 
XXXX has failed to verify the individual who opened the account by requesting identity verification documents. And most of all, even after being notified that this account is a result of identity theft, they still failed to fully investigate and review all merchant charges on the credit card and to identify the thief who opened this account. Instead, they made a baseless conclusion that I am responsible for this credit card and, as of today, this account still shows up on my credit files.
Consumer complaint received 2022-07-22
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-22
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX # Account XXXX has violated my rights. 

15 U.S.C 1681 Sections 602 A. States I have the rights 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
Consumer complaint received 2022-09-22
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: SAN DIEGO COUNTY CREDIT UNION (CA)

SAN DIEGO COUNTY CRE Last reported XX/XX/XXXX {$340.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX  Monthly payment -- Opened XX/XX/XXXX ( 6 yrs, 1 mos ) Term
Consumer complaint received 2020-09-07
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. (IL)

The credit bureaus are allowing XXXX XXXX  to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/2021 we opened a checking account with wellsfargo on XXXX XXXX XXXX XXXX, XXXX, UT XXXX. We were told everything was completed by a manager named XXXX. We immediately contacted my wife 's employer, XXXX XXXX send all paychecks to our account. a week passed and payday was here on a Friday and Wellsfargo told it would be 7-10 days for our check to deposit. after that time had passed we still had no check. We called XXXX and she informed us that our address was not excepted, But we were perplexed because they had already sent us debit card to that address. So we gave here another address and we waited. well our second pay day had arrived again and we were told that there should be no problems and it should deposit that day. Well guess what? none of the checks deposited into our account and talking with managers and reps no one had any answers. As of today wells fargo is holding over XXXX XXXX dollars of our money from our employer. After weeks of talking to them our monthly account fee is due for XXXX dollars. Well because there is no money in the account they have now closed the account and we still have not received our money.This is our hard earned money that we have no access too. Needles to say we could not pay rent or bills and were evicted from our place, Thanks wellls fargo.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I went to the Chase ATM at XXXX XXXX XXXX and withdrew {$60.00}. As I walked away about XXXX I received a text message from Chase asking if I attempted t take {$400.00} out on. my card ending in. XXXX. I replied " NO '' and was send a new card. I then on XX/XX/XXXX called and formally. altered t this fact bc I had not seen the reversal. I filed the complaint. On. XX/XX/XXXX Chase determined that. my claim. was false and that they have determined in their investigation. that bc it was a tap withdrawal and I had my card-I was the one that. took it out. This is NOT the case and I explained this to chase and they. refuse to accept the screen shot from XX/XX/XXXX @ XXXX when I stated I was a victim of fraud. 

As per the news search chase has had MANY of its customers a victim of these scams where our chip/bluetooth signal is compromised and money is stolen from accounts.
Consumer complaint received 2019-09-05
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. (IL)

I am a victim of identity theft. I have filed with the FTC and other law enforcement agencies to remove the information from my consumer reports as required however the credit report agencies refused to remove the items listed.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, 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. (NY)

Apparently the was some type of dispute that I did not initiate having to do with my XXXX XXXX platinum credit card. I have had several dates told to me by XXXX XXXX Supervisors. Back in XX/XX/2020 a dispute that lasted 7 months long lead to my credit card being deleted from Experian completely. Then it was back in XX/XX/2020, was lied to so many times its just plain despicable. Spent hours and hours on the phone with XXXX XXXX. Hours lead to days of making several calls about this so called dispute information. The whole thing is I did not initiate any dispute about my platinum credit card until I saw my FICO score drop like 40 points back in XX/XX/2020. Was just about to have a good score until this incident. Then I was told to send a letter to some special credit dispute center and was told it was the wrong address, by another so called Supervisor. Now my credit card was deleted along with an exceptional payment history from Experian. Just like the card never existed. I have 2 XXXX XXXX credit cards and seeing disputes even on XXXX  that I did not initiate. The card is being reported on XX/XX/XXXX and XXXX for now but wouldn't be surprised if its deleted from one of those 2 bureau 's as well.
Consumer complaint received 2020-08-24
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. (CA)

I'm getting no help at all with this account that was part of my identity theft case. I'm so stressed out trying to fight the credit bureaus and i don't know what else i can do.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (VA)

Attempting to make contact about a bill from 2016 by phone only. Despite email being on file they have failed to send any information about this supposed debt that is almost outside of its 7 year statute of limitations. Was added to credit report just from contact by phone without first mailing anything to consumers.
Consumer complaint received 2021-08-31
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. (PA)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXXBalance {$950.00} XXXX  XXXXBalance {$490.00}
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Direct Account Management (WI)

I had filed a complaint on XX/XX/2021 about " Direct Account Management '' and had requested that they had no further access to my bank account information, preventing any withdrawals from my checking account. To further note, the CFPB had agreed to my requests of action to be taken. Additionally, " Direct Account Management '' sent a confirmation that I would be removed from their program, thus not having to make any payments to this institution. 

I was to be charged {$200.00} on XX/XX/2021 and every XXXX day of the month for the next 5 months. This amount of {$200.00} was charged to my Checking account on XX/XX/2021 and went through.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I had written dispute to the bureaus Equifax, XXXX  and XXXX  regarding several inaccurate accounts that does not belong to me. Those accounts are not authorized and done without permissible purpose. Up to date I have received no response nor proof that the alleged accounts belongs to me. These erroneous reporting badly hurt my credibility to obtain a fair credit. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information they are reporting.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Collections West, Inc. (AZ)

In XXXX of XXXX I received a letter of satisfaction from a court stating my debt was paid. A couple weeks later the company called stating I still owed and I said the court said that I do not owe anything as I received this letter of satisfaction. Later the agency called again stating they will garnish my wages if my debt is not paid. 

On XX/XX/XXXX I get a call from the Agency again so I went to let my HR know who was on the phone. She then shows me a letter from the courts with the " Garnishment of wages. '' I am unaware that the company is doing that or of any court dates. As well as I have my letter of satisfaction why am I still being sued for a debt I have paid off.
Consumer complaint received 2021-01-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

on XX/XX/XXXX we closed and sold a home on XXXX XXXX XXXX, of which we had a mortgage with NEW REZ LLC a shellpoint servicing company. after close on XX/XX/XXXX i was sent a notice from XXXX ( my homeowners insurance company on that property ) that they were issuing a refund in the amount of XXXX to refund the unused pprtion of the homeonwers insurance. the letter from XXXX stated that " refunds are issued to your mortgage company, for questions please contact your mortgage company NewRez LLC XXXX XXXX XXXX XXXX MI XXXX ''. I contacted New Rez by phone roughly 3 times a week starting XX/XX/XXXX, and was continually told they didn't know anything about it and to just wait. on XX/XX/XXXX, and XX/XX/XXXX i again called New RXXXX and got the same answer that they dont know anything about it. on XX/XX/XXXX i contacted XXXX, who informed me that the check they sent to New Rez was cashed and deposited by New Rez on XX/XX/XXXX, meaning New Rez now had those funds. I spent 4 hours speaking to New Rez on the afternoon of the XX/XX/XXXX and was still told they did not have any information, and would look into it. on XX/XX/XXXX i was emailed by new rez saying that they still had no idea and that they needed proof of payment ( on the XX/XX/XXXX i gave them the check number and the letter i had gotten from XXXX that XXXX had sent ). i am now being told they need more " proof of payment '' which is absurd since someone at New Rez has successfully cashed that check from XXXX, which in turn is money owed to me. it is unbelievable that a company with around 3000 employees seem to have cashed a check of money belonging to me and now no one can find it or even admit they have those funds in their account, much less when those funds will be sent to me. at the end of the day this institution owes me money and is being completely uncooperative in trying to even assist me in figuring out where those funds are, much less getting them to me. had i owed this bank money, my phone would be called 5 times a day threatening me with fees and credit dings.
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc. (MO)

Refinanced my car through Upstart in XXXX of 2022. Had to send my title in from previous finance company. It is now 5 months later and still no title. Reached out multiple times regarding this. Last contact was told title was released to the XXXX on XX/XX/XXXX. Titles in my state come in the mail within 7 days. Purchases a car for my son and registered in XXXX, recieived it in 7 days. I have reached out 3 more times in the past month and Upstart ignores contact without response.
Consumer complaint received 2020-09-06
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. (HI)

Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA Experian has violated my rights as Consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (DE)

I am a long time customer with pnc bank, on XX/XX/XXXX I tried to deposit XXXX dollars into my account through the atm with pnc bank. The atm malfunctioned and gave me back XXXX keeping the other XXXX dollars and not giving me a receipt. I talked to the teller and deposited the XXXX dollars and filed a dispute for the remaining XXXX that The machine did not give back. Five days later I received a provisional credit for the XXXX. Almost two months after that theyve performed a provisional credit reversal for the XXXX and are telling me there is no evidence of any overage in the atm or the bank. Ive been to two branches and have talked to there escalation manager XXXX XXXX multiple times and have filed multiple disputes with the same result. They are telling me there is no extra cash that was found.