davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (NY)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. Experian completed an investigation but did not update the incorrect information.
Consumer complaint received 2023-01-10
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. (IL)

I identified items on my credit report that are the result of identity theft, as I did not initiate, authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. These documants were received by Experian on XX/XX/XXXX. So, by law they should have been removed in 4 days which would have been XX/XX/XXXX. Today is XX/XX/XXXX and most of them are still on my credit report. 

I will be including the tracking data from the certified mail tracking number associated with this matter
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (FL)

My credit report shows a collection from XXXX XXXX. In numerous correspondence with XXXX XXXX, they have failed to provide accurate documentation showing that this alleged debt has a valid reason for being reported past 7 years ( debt proof is dated XXXX, which is uploaded here ). The documents state the debt is 13 years old. 
I contacted XXXX and Experian and disputed the accuracy of the collection reported by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. On both occasions XXXX and Experian has stated that the debt was verified. However, XXXX XXXX has failed to provide me with documentation to prove the validity of this debt to be less than 7 years old ; therefore it is impossible for XXXX   and Experian to have properly verified the information reported. On XX/XX/XXXX, I uploaded the letter I received from XXXX XXXX to XXXX and Experian dispute site and explained that this is the only proof XXXX XXXX has been able to provide regarding this debt which is already 13 years old and I ask them to delete this item from my credit report since their is no valid proof that it is less than 7 years old. XXXX and Experian sent me a resolution dated XX/XX/XXXX stating that they investigated the information I disputed and it still shows the collection from XXXX XXXX XXXX report is attached ). At this point the actions of XXXX XXXX and XXXX   and Experian for failing to verify and report accurate information on my credit report is causing me monetary damages as I am unable to get approved for a professional license.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Note to file XX/XX/2020 Today XX/XX/2020 I received message from XXXX my check had been returned .. 
so I check it was my Mortgage payment in the new amount of {$880.00} So statement said new amount normal payment $ XXXXapprox. 
everything was good.til I received notice I called spoke to Agent XXXX..XXXX  He told me couldn't speak me due to no Consent form from my attorney XXXX XXXX ( XXXX XXXX XXXX XXXX..email my request to his assistant XXXX forward the following Debtor : estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Lender : PHH Loan # XXXX ( f ) XXXX XXXX XXXX email : XXXX consent need to request resolution/payments etc XXXX XXXX Widow of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

Someone took my information when I got robbed cause false info to appear on my credit making it hard for me to find opportunities such as leasing getting a car Ive been a victim of identity theft but was took young with little knowledge to file a police report
Consumer complaint received 2023-01-10
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)

This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XX/XX/XXXX2023 in regards to a late payment that has been reported on my credit report in XXXX of 2022. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

Multiple overage charges in the amount of XXXX cents by Chime when I used my debit and credit builder cards to do laundry at a hotel XXXX staying at. 

I disputed the overage charges through Chime and they claim there has been no fraud and refuse to reverse the overage charges. 

I disputed overage charges in the past with them, as this has been going on since XX/XX/XXXX and they reversed the overages. Now ( XX/XX/XXXX ) they are refusing to reverse the overages, Chime is also withholding funds in the amount of {$50.00} which was supposed to be returned to me XXXX days ago from a damage deposit at the hotel. The damage deposited was paid using my debit card.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

I completed a transaction for {$260.00} for the Nevada DMV with my debit card.

That day the transaction was posted on my account right away as pending.

That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do  maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. 
This is the second time that they do this to me.
Consumer complaint received 2023-01-10
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. (SC)

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. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX HAS VIOLATED MY RIGHTS XXXX5 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 2023-01-10
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. (CA)

( This is a continuation of complaint # XXXX ) This is a follow up on the detailed complaint, since your companies response I have continued to request the nature of the accounts validation to be provided. During this process I was notified that a series of letters I had submitted were " thrown away '' ( Recorded call early XXXX ). These inaccuracies and your companies unwillingness to thoroughly vet these accounts has put unbearable strain on my financial health and is now in violation of my fair credit reporting rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00}
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

XX/XX/2023 - Sent a " Down payment '' ( {$670.00} ) over XXXX to a landlord for the house. We have texts, receipts and a paper trail and the institution wont even investigate for fraud.

When we tried to call back and confirm everything with the receipts, the number was blocked and we could not contact them again. 

After the number ended up being blocked, we tried to call XXXX and Mountain America Credit union, and the Credit union wouldnt even take a look at the case. That was the last money that we had and this NEEDS to be resolved.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (SC)

on XX/XX/XXXX i purchased a pool for XXXX and paid this pool off on XX/XX/XXXX XXXX payment of XXXX and additional payment of XXXX which paid off both my statements for each month of XXXX and XXXX. At the end of XXXX I disputed the XXXX because till today the pool has not been completed, But the bank stated they would give me a credit, which they never did, I still made all my monthly payments, in full and never did not make any payments to my account. Never used the any monies that had anything to do with the dispute. Then on XXXX XXXX the bank showed a XXXX charge on my account, which they claimed XXXX XXXX XXXX made, which in XXXX i come to find out from the fraud department it was not XXXX XXXX XXXX it was the bank itself trying to charge me for something they never had given me back, Which clearly shows on my credit card statements that I never received a credit and continued to make my balance payments. Then When I filed a fraud Dispute the Fraud depatment figured out that it was the dispute department that made the error, and Lied and said it was the bank. Then I called back again, and spoke with a supervisor, and we went through every statement and he saw that I was correct and could not understand if I paid my statements in full why the dispute department recharged me for something they never credited me back for on my acccount. I have every credit card statement it shows, that every bill was paid in full and the supervisor went through each one with me and saw the exact same thing, and could not believe why his dispute department did what they did, and if this bank has recordings they should pull it to see how this is strickly on the bank. They are trying to charge me for something that they never gave me.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX payments were swept from my checking account. XXXX on XX/XX/XXXX for {$550.00} XXXX on XX/XX/XXXX for {$550.00}. The first when I scheduled the second one was an electronic issue. I have been calling since I received an email that this duplicate payment was on my account from Bank of America. As of today I have not received my refund and was assured that it would be in my checking account at XXXX oclock this morning. Now a supervisor is telling me that it will take up to 60 days. I make my payments on the Bank of America card website. The bank that I pay my payment from is automatically populated into the payment window. Somehow so all the electronica processes they swap another payment even before the due date. The statement balance was paid on XX/XX/XXXX. I have spoken to many many people and have it written down time and dated who I spoke with and every story is different. All I want is my {$550.00} refund.
Consumer complaint received 2023-01-10
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. (FL)

I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the XXXX  entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining XXXX  items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

During the pandemic I applied for a loan through sun XXXX XXXX. Just like everybody else we were experiencing hard times during the pandemic. XXXX XXXXXXXX XXXX approve me for a {$3000.00} loan or so I thought. They claim to put it direct deposit in my account at Bank of America. I thought that everything was fine. I started to pay my overdue bills and my card kept shutting down so I would call the bank and ask them why they would shut my card down I did this XXXX times each time they unlocked my card. On the XXXX time that I called I was very very irritated because it was happening every time I use my card. When I contacted the bank I was put on hold for over XXXX minutes then I had a bank representative tell me if they were canceling my checking account they said it was because of a difference of opinion I was a banking customer with Bank of America for over 11 years I had a safe checking account with them. Needless to say I was completely dumbfounded. When I ask to speak to a supervisor or a bank XXXX I was denied and hung up on. Well of course I called back and demanded to speak to a bank XXXX I was told that it was a {$3000.00} claim supposedly made by me on my checking account and that they had given me a {$3000.00} credit. I was flabbergasted to hear this. I asked the bank XXXX why would they give me a {$3000.00} credit on a claim right away when before when I had made a {$20.00} claim because a machine charged my account twice they made me wait to complete the investigation before giving me my {$20.00} back. Why would they give me a {$3000.00} credit on a claim that I never made. I asked the bank XXXX who was it that made the claim did they ask for credentials or anything of that nature. Well with that I was flabbergasted I tried to contact XXXX XXXXXXXX XXXX who I could not contact anymore. But I did manage to keep all the correspondence with them and I explained this to Bank of America who was supposed to protect my account with my safe banking. Well with that the money that I have spent on bills was now owed back to the bank for a claim I did not make. My account was shut down and they kept my direct deposit from Social Security to pay back this money. Then to top it all off they completely destroyed my credit and any other chance of continuing to bank with a reputable Bank. Bank of America is not that safe when they say safe banking. After calling constantly and trying to talk somebody with some sense that would help me with this matter. They allowed me to open up a new account with numerous restrictions. They still expected me to pay back what I had used for bills during the pandemic. Bank of America is not a good bank at all.
Consumer complaint received 2023-01-10
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. (FL)

I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the XXXX  entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining XXXX  items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Inquires XXXX XXXX, XX/XX/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 Pursuant to 15 USC 1681 ( a ) ( 3 ) your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. You have failed at your initial investigation of this information and assumed a role and assumed this information was valid which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) you did not ensure this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You chose to only get XXXX side of the story and because of your actions my privacy has been breached and this is a violation of my RIGHT TO PRIVACY.