davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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: TD BANK US HOLDING COMPANY (FL)

I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : TD BANK XXXXTARGET XXXX XXXX XXXX, XXXX - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX.
Consumer complaint received 2022-12-01
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. (TX)

After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my XXXX set of letters disputing these accounts to which I've received XXXX proof or verification. XXXX, Equifax and XXXX have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.
Consumer complaint received 2022-12-01
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-12-01
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. (CO)

I have sent XXXX letters to Experian regarding how they are reporting information inaccurately on my credit report. THIS IS NOT HOW THE CREDITOR IS REPORTING THEM, it is EXPERIAN. They have disregarded both investigation requests, sending me a letter stating the furnisher is reporting this accurately. AGAIN THIS IS NOT AN ERROR ON THE FURNISHERS PART IS IS AN ERROR IN EXPERIANS REPORTING. 

There are XXXX accounts they have an outdated and inaccurate payment status on. PLEASE CORRECT THE XXXX ACCOUNTS : Payment status : Paid as agreed XXXX of the accounts are closed and paid in full- the other XXXX are all on time- This is the Last request I am asking, if these are not all corrected to show the current payment status I will be seeking legal advice, this is an FCRA VIOLATION and their inaccurate reporting is damaging my credit. 

Ive included all XXXX accounts credit reports and letters I have sent to experian.,
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-10-03
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-01
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. (MO)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-01
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. (FL)

Despite multiple phone calls and written attempts to contest hard inquiries, the following inquires remain and/or ( keep reappearing ) on my credit report and it has been more than 60 days. The following inquires have been made fraudulently and against my authorization. Please delete them immediately. Ive attached my XXXX and a utility bill as proof of my identity. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
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. (MI)

I sent out dispute letters off to experian and XXXX XX/XX/2022 the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code $ 1681a - Definitions : rules of constructior The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, persona characteristics, or mode or living is Obtained through personal interviews with neighbors, friends, Or associates or the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific intormation on a consumer 'S credit record obtained directly from a creditor or the consumer or trom a consumer reporting agency when such intormation was obtained directly from a creditor of the consumer or from the consumer would like to know who did they talk to How did they complete this investigation.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (NC)

According to 15 USC 1682 ( C ) you have violated my rights by unlawful communication please remove this collection off my credit reports. This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens 281 SW 715, 719 May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Technical Murder of the Living Man to create a 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 2022-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth Financial System mailed an invoice of {$770.00} service date of XX/XX/XXXX. I have disputed this information with XXXX and XXXX. XXXX has not responded to my validation letter sent on XX/XX/XXXX. XXXX is stating that this debt is valid when I have not received any contract information regarding this debt.
Consumer complaint received 2022-12-01
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)

I did an investigation on my credit report which is causing me so much stress. I pulled my credit report from XXXX XXXX XXXX and I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XXXX I mailed a certified letter to you about a inaccurate account on my credit report. I checked my credit report to see that the account was not deleted or updated. On XXXX I sent a certified letter again to do a reinvestigation on the same account that was showing inaccurate information. It shows that the letters were delivered and the accounts were not deleted or updated again. It has been over the 30 day time to rectify this inaccurate information and they refused to do it. 

Here is the account : I sent This letter to XXXX, Experian, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX # XXXX XXXX ) Date of Last activity : XXXX reported date XXXX, Experian reports date XXXX and XXXX reports date XXXX. Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report I underlined and highlighted the error as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (CA)

I was hit by a car as a pedestrian a month ago and have been unable to get any type of financial assistance ( e.g. loan, credit ) due to CRA not abiding by the law. 

I submitted my dispute to Experian on XX/XX/. Experian responded stating they were working on a response on XXXX. Experian did not finish investigation until XXXX CRA took 49 days to complete investigation. The law states that if a CRA doesnt complete its investigation within 30 days, CRA is legally required to delete the disputed items. CRA has not deleted the disputed items. CRA is not abiding by the law.

The law : 15 USC 1681i ( a ) ( 1 ) ( A ) : " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I demand that Experian comply with the law as it is written and immediately delete the following itemXXXX 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 2022-12-01
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: CAINE & WEINER COMPANY, INC. (FL)

So I have a debt that was taken over by this company Caine and Weiner. I initially received a letter from them stating that I had the debt and I had 30 days with which from the date of the letter to reach out to them to accept the debt, and either pay it in full or negotiate a payment arrangement with them to settle the debt. I literally called this company maybe a week after I received the letter, within that 30 day timeframe and negotiated a payment arrangement with them to clear my debt. The total amount of my debt is {$490.00}, and the agreed upon payment arrangement states that I authorize them to take XXXX payments of {$80.00} from my account every XXXX weeks to clear the debt completely. The XXXX payment started and was taken from my account successfully on XX/XX/22. As of today I have successfully paid XXXX of the XXXX payments stipulated in the payment arrangement ( the XXXX was taken from my account on XX/XX/22 ) and even with this, the company still went ahead and reported my debt to the credit bureaus.
Consumer complaint received 2022-12-01
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: ENCORE CAPITAL GROUP INC. (LA)

In an attempt to collect $ XXXX.This company is violating my rights under the no surprise act of 2022. They are also violating my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Hello, I deposited a check into my checking account on XX/XX/22. I checked my online banking app daily waiting for the check to clear as it was showing the deposit status as " pending '' until XX/XX/22. On that day, the transaction appeared as completed and it was no longer showing as pending. Once I saw the transaction complete, I took the funds. 

Few days later however, I received a letter from Chase dated XXXX, stating there was a stop payment on that check and therefore they had reversed the transaction and had the audacity to charge me a fee for it! When I called their customer service to confront them about this, the representative just gave me an answer that seemed to be from a written script stating that the deposit XXXX take 3-5 days and that I was wrong to think the check has cleared and the funds belonged to the bank as Good Faith! They just reversed the outrages fee, but they were not a single bit sorry about anything. 

I wonder is it legal for a bank to make such an error? Basically showing a check as cleared/settled, fooling me into taking the funds and then changing their mind to take the funds back? What if the money was used for a product or service? What if this was a car I had sold? I would have surrendered the vehicle, signed the pink slip only to find out days later that the check had a stop on it. It just sounds illegal to me and it's frustrating. Attached are copies of the letter from the crooks at Chase along with the letter from them. 

Thank you for your help!
Consumer complaint received 2022-12-01
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. (FL)

I sent my letters off and told the credit bureaus to investigate every piece of information on the account I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I will provide my credit report showing all the in accuracies. 

Account : 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 2022-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (IL)

I havebeen callingfor several months asking for an updateon my loss mitigation packet. I have requested the lossmit XXXX rep to contact a supervisor. I have requested an internal note be put in my file asking for a status update. I havebeen told ( in a recording ) my file would be completed by the end of theweek ( XXXX ), only to call back 6 days later and be told there is no record of anyone ever speaking to my processor. 

My take homeincomehas increased significantly. I submitted the updated paystub and it was not acknowledged as received. I resumed payments last month, and the loansolutioncenter shows no record of it. Naturally I am hesitant to continuesending money into the ether without any response, update or acknowledgement. 

PLEASE REPLY and provide an expectation of when my application will be reviewed and complete.