davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Myself and my husband refinanced our current mortgage with XXXX. We decided to stay with XXXX as the process would be easier and it was only to reduce the interest rate. We signed our final papers with a notary on XX/XX/XXXX. The loan was funded on XX/XX/XXXX. XXXX XXXX acknowledges this. But they reported our old loan # XXXX as 30 days late. We were told by XXXX XXXX to not pay XXXX because we would close before the end of the month to which we did. Our new loan # XXXX was effective XX/XX/XXXX with our first payment due XX/XX/XXXX. Not only did XXXX XXXX  report us late, but our old loan still shows open. Our credit shows that we have {$780000.00} in mortgages. They have never closed the old loan out. These 2 errors from XXXX XXXX has severely affected us. As a result of this, 2 credit cards we have have reduced our limits because of this.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I reviewed my Experian Credit report and noticed that their were unauthorized Inquiries being reported. I wrote to Experian via certified mail on XX/XX/XXXX and requested that they investigate these unauthorized inquiries. 

Experian received this dispute on XX/XX/XXXX. They did not respond. 

I wrote to them a second time via certified mail, with my letter dated XX/XX/XXXX. They received this letter on XX/XX/XXXX. 

As of to this date, XX/XX/XXXX, I have yet to hear anything from Experian.
Consumer complaint received 2023-01-12
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make sure to update the following accounts as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

On XX/XX/XXXX I went to an atm located at XXXX XXXX XXXX in XXXX TN XXXX. My financial institution which is chime recommended that this would be the closest atm that has no fee to me. I went in the store and selected to withdraw {$300.00}, someone walked up and started speaking to me so as I spoke with them my money was being dispensed as I did not want them to see me receiving my money I spoke with them before removing my funds and when I turned back around the door to the atm closed and it gave me an error message stating that it took too long to remove the funds and to contact my financial institution. I contacted them and gave the instructions that I had gotten from the atm company with a code because they said this was a known issue and they told me it would take up to 10 business days. It has now been over a month and they have not returned my funds yet another dispute I filed they immediately declined it but keep pushing the date back on this transaction. Theyre stating that it will now be XX/XX/XXXX.
Consumer complaint received 2023-01-12
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting an account on my consumer reports as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was closed and charged off by the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore the account with XXXX XXXX XXXX should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer report.
Consumer complaint received 2019-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

On XX/XX/XXXX I sent a seller {$160.00} using CashApp. They called me to ensure it wasn't a scam and they would ship my item tomorrow. At that point, the seller blocked my phone number from texting or calling. They stopped responding to emails. I immediately let CashApp know and to cancel the transaction. They did not respond very quickly and thus the money was transferred from my bank. I disputed this with CashApp and they said to contact my bank to see if they would refund my money due to scam. The bank concluded the investigation and denied my claim. They instructed me to take this up with the merchant. Seeing how the seller blocked and scammed me, I contacted CashApp. They have yet to respond or refund the money they allowed to go to a scammer.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC (IN)

Starting around XXXX or XXXX of XXXX I started getting communications from XXXX XXXX XXXX in Kentucky representing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX They have the garnishee defendant listed as XXXX XXXXXXXX XXXX In XXXX, XXXX. So putting this together someone with my name, excluding middle name, went and charged over $ XXXX on a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( original creditor ), in XXXX, IN and worked at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX and they want their wages garnished or, NOW, in new letter, bank acct garnished for what they owe. 

First off, my credit is terrible and I filed for bankruptcy many many years ago and haven't had a credit card since nor can I get XXXX. Furthermore, I have NEVER in my life charged that amount at any XXXX. I have NEVER heard of XXXXXXXX XXXX  nor have I ever been to XXXXXXXX XXXX which is XXXX miles and over XXXX hours away from where I have lived in XXXXXXXX XXXX  my entire life! I haven't worked getting a paycheck since around XXXX and since then XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I started working at age XXXX. I stopped working in XXXX due to XXXX. In the numerous letters I have gotten from Weber & Olcese it states the case was opened in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would like to see what was bought and a video of " ME '' going Into XXXX, IN XXXX purchasing it. 

There are at least XXXX others with my first and last name around the vicinity of where I am. I asked Weber & Olcese to give me a middle name, Birthdate or SS # and they have not in over XXXX  years. There are also a ton of others on XXXX and I told them that. I also sent them a picture of who could possibly be the one who owes this money because I started getting her debt collection calls many years ago. She's XXXX XXXX XXXX  than me. 

It states throughout correspondence from Weber & Olcese that they sent letters about this case such as XXXX on XX/XX/XXXX, service returned served XX/XX/XXXX, order to appear in court XX/XX/XXXX and I have never received a thing other than the letters trying to collect from Weber & Olcese.

They are now saying they will take {$5900.00}. 

Now, throughout these letters trying to scare me they have garnishee defendant as XXXX XXXX but in new letter just got XX/XX/XXXX garnishee defendant is XXXX XXXX in XXXX and that's not my bank. They have also had XXXX XXXX and XXXX XXXX listed as defendant so they are grasping at straws. 

I am now being summoned to court XX/XX/XXXX at XXXX if I am against the garnishing efforts even though this is NOT me.
Consumer complaint received 2023-01-12
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, XXXX XXXX XXXX XXXX personal loan, was listed as 30 days past due on my credit report incorrectly. 

This account was never late on XX/XX/2021. This has been verified with XXXX XXXX XXXX XXXX error is still listed on my " XXXX Report and TransUnion Report ''.
Consumer complaint received 2019-02-22
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. (FL)

I have never been to Texas. I have never used XXXX XXXX. I have no idea what this is about, and Experian didnt do anything about it.
Consumer complaint received 2023-01-12
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. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has also states a consumer reporting agency can not furnish a acount without my written instruction
Consumer complaint received 2023-01-12
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-06-29
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: Service Finance Holdings, LLC (FL)

I submitted a complaint about Service Finance Company LLC on XX/XX/2020 ( XXXX ) regarding an incorrect past due on my credit report which caused my credit score to drop down 79 points. This complaint was investigated and Service Finance responded back that a manual error erroneously was reported a past due to the credit bureau and that they apologized to me and have rectified their error. Shortly after that my credit score went back up 76 points which made me happy. Then a week later I received another notification from XXXX  XXXX that Service Finance Company LLC reported me past due again to the credit bureau which lowered my credit score another 39 points. Also, when they responded back from the first complaint they referred me as Ms. and Her. They gave me the loan which I never missed a payment and I have since paid off in full and they mailed me a refund check for {$2.00}. I feel that this company needs to be investigated for bad business practices. Thank you for giving this matter your time and attention.
Consumer complaint received 2023-01-12
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2023-01-12
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. (NJ)

ON XX/XX/2022 a document to correct a reporting issue of inaccurate and unwarranted inquiries ( Counted 31 total ) and reports were discovered on my report. To my knowledge, I have not granted any company permission, either at all or 90 days upon filing an SSA-89 form from the IRS to be reported on my personal consumer report.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MD)

I am on a financial relief program with this Discover for 12 months. It started in XX/XX/XXXX and will end in XX/XX/XXXX. While being enrolled in this program my new minimum monthly payment is {$150.00} for the first 3 months, then {$120.00} every single month for the rest of the year. Discover has even enrolled me in automatic payment and scheduled all the payments until XX/XX/XXXX, I have attached a screenshot of it to this email. I have made my XXXX minimum payment, I have also attached a screenshot of my checking account showing the payment made to this Discover with the reference number. Surprisingly, this morning I have seen that Discover has reported me 30 days late saying that they did not receive my payment, which is not true since I have proof of payment. Therefore I am asking Discover to immediately update my payment history and mark me current!!
Consumer complaint received 2023-01-11
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. (NV)

Experian is reporting a fraudulent collection from XXXX XXXX on my Credit report, I have disputed this same collection on my report multiple times. The amounts owed on the collection have changed multiple times, Experian rightfully deleted this collection from my report on XXXX but allowed it to be placed on my report again on XXXX. On XX/XX/22 I disputed this collection which in return came back as validated, I sent another dispute on XX/XX/22 which came back as validated again. In my disputes I've requested that Experian provide me with documentation that was provided to them by XXXX XXXX to validate this fraudulent debt. Experian has failed to comply and remove fraudulent account from my report while investigating. I informed Experian that XXXX XXXX has failed to mail any debt collection correspondence or notification of debt, The have also willfully report false/ inaccurate information to the credit bureaus in violation of the FCRA XXXX XXXX XXXX has also failed to respond to my request for them to provide me with the contractual purchase agreement of this debt. Providing the contractual agreement of the alleged debt will serve as a vital investigative tool to verify who the actual debt belongs to. Experian 's failure to properly validate this debt in violation of the FCRA has caused my score to drop almost XXXX points, in return this has caused severe hardship for my family.
Consumer complaint received 2023-01-11
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: Fidelity National Information Services, Inc. (FNIS) (GA)

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

Account : XXXX  XXXX XXXX, has violated my rights. 

XXXX  XXXX XXXX stole my identity and sold/shared without my consent to Chex Systems , Inc . This is a crime and I deserve protection. Identity theft is a crime punishable by federal laws. 

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 a 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 se

ven 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 2023-01-11
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)

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 and caused defamation of my character : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
12 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (NV)

I contacted BMW in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from BMW that indicated that they ( BMW ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail.

I also pulled the contract that I signed and the previous statements. At no time does BMW indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.