davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX XXXX XXXX  ( account number : XXXX ) XXXX XXXX XXXX ( account number : XXXX ) XXXX XXXX  ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc. (VA)

Despite having my bankruptcy XXXX on XX/XX/XXXX, Nationstar Mortgage d/b/a Mr. Cooper has refused to remove the bankruptcy codes from my existing seven ( 7 ) mortgage loans ( despite repeated calls and a Qualified Written Request submitted on XX/XX/XXXX, that they never responded to ) to indicate that those loans have all been re-affirmed. As a result, they still do not report to the credit bureaus as being current and are still coded as being in bankruptcy subject to applicable bankruptcy statutes.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm not liable for this debt with XXXX XXXX XXXX  | do not have a contract with XXXX XXXX ; they did not provide me with any original contract as requested in accordance with the FCRA Fair Credit Reporting Act. 
XXXX XXXX XXXX has violated my rights ; 15 USC 1681 section 602A. 15 USC 1681 section 604A section 2, 15 USC 1681c ( a ) ( 5 ), 15USC16815-2 ( A ) ( 1 )
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2021-01-11
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX,XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2023-08-01
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 (GA)

I use Chime as my bank to have my XXXX deposited as well as of every other dime of money saved. I had a charge that I did not recognize from Chime on my credit report. So I found Chime 's customer support number online and called went the prompts and finally got a rep on the line. She announced her as XXXX XXXX. She went through all of the verifications. So I explained to her there was a credit card on my credit that I did have have and told her the balance of {$1500.00}. She took me through downloading an application that gave her the permission to see what I saw on my Chime account to get this removed. My phone died in the middle of our conversation so she called back and left her name and number as [ phone redacted ]. I called her back long story short she took my money from my savings and credit builder account and transferred it to my checking account and had me put in the reason field Transferring to XXXX XXXX Once this was completed, she said my funds would then showed she correctly within XXXX minutes and hung up. I called back confirm what was exactly done and I reached another representative and she said it would show the next day and hung up quickly. I went and looked at the balance in all of my accounts and they showed {$0.00}! I called the number given and got no answer. I had my daughter call and the number was disconnected! These people took out every dime in all of my accounts. My XXXX, every XXXX to my name was gone. I called a different number given to reach Chime and explained what was done and I filed a dispute and gave documentation to support what was done. It took Chime a day to confirm that I would get no money back!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

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.

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 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 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX I used my Synchrony XXXX XXXX XXXX acct ending in XXXX to put a down payment of {$1500.00} on a condo for rent for the following year. In XX/XX/XXXX I had to cancel that reservation and the company XXXX XXXX had a policy to only credit the bankcard which was used to make the original payment. Id informed them that the account was no longer in service since XXXX XXXX had changed from Synchrony Bank to using XXXX and that a new card/account was created ( XXXX ending XXXX XXXX with XXXX ) XXXX XXXX XXXX insisted that was the way they had to do it and on XX/XX/XXXX made a credit to the XXXX acct ending in XXXX to Synchrony Bank of {$1300.00}. To this day I have not received that money and having called both Synchrony and XXXX on several occasions, I have gotten the run around and claims by your employees that no such account has ever existed. As you can see from the attachments/enclosures there actually was a XXXX XXXXXXXX XXXX account with Synchrony ending in XXXX which was billed on XX/XX/XXXX for the deposit to Midnight Cove. I paid the credit card bill in full ( {$2200.00} ) on XX/XX/XXXX from my personal checking account via an electronic payment ending in XXXX. I am asking that you reimburse me the money that was credited to your bank by XXXX XXXX on XX/XX/XXXX in the amount of {$1300.00} with direct deposit or bank check as soon as possible. It has now been over 60 days since the credit was made by XXXX XXXX bank and I have seen nothing and no one from your institution is willing to help me remedy this. 
You may speak with the XXXX XXXX, XXXX, at XXXX XXXX at XXXX who can attest to the fact that the account ending in XXXX was indeed credited the money in the amount of {$1300.00} on XX/XX/XXXX. You may reach me at ( XXXX ) XXXX to update me on the status of this request. I look forward to your forthcoming reply. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (MO)

I was in XXXX  in XXXX, due to Wells Fargo trying to foreclose on my home. I tried making a loan payment to Wells Fargo in XX/XX/XXXX and I was informed that they no longer serviced my loan and I should get a letter from the new servicer. A letter from Wells Fargo was sent to my XXXX  attorney informing me that servicing of loan was transferred to XXXX XXXX  as of XX/XX/XXXX, and that XXXX XXXX or XXXX  would be the new creditor. My original loan Lender was XXXX XXXX XXXX  with XXXX as the beneficiary. Since XX/XX/XXXX I have received numerous different letters from XXXX about transferring the servicing to themselves in many different ways, after many conversations through email with XXXX about different topics of concern I had and asked for explanation on and they could not provide to me, I grew concerned if they actually even owned my Promissary Note. therefore I started to research through my County Recorders office on Deed of Trust filings and through XXXX  for assignments of my MERS number and I found that the last entry I see in XXXX  is with Wells Fargo and my XXXX  number is inactive. I believe that XXXX has been misrepresenting themselves as owner of my loan note when they actually do not. I have since requested that they stop communications with me and to provide me with a verification that I owe them a debt, by providing me with a copy of the contract or any documents showing valid purchase of my note. I just received a letter from LOGS Legal on XX/XX/XXXX NOT XXXX stating that I am in foreclosure through XXXX and to contact them in regards to the letter received. I am concerned that they are trying to sell my property illegally through an auction or something similar when they have no grounds to do so. I need someone to help me with all this misleading information.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (OH)

On XX/XX/2020, my credit score increased by 19 point ; however, on XX/XX/2020 my credit score decreased by more than 70 points. The account is current and the balanced decreased by {$1100.00}. I am confused as I am showing the account is current but in one section it is showing as 60-90 days delinquent. This account is current and should reflect the same. Additionally, there should not be such a steep decrease in my credit score if the balance decreased and is currentt.
Consumer complaint received 2021-03-08
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. (PA)

I have spent hours on the phones trying to resolve this issue. I called week after week to clear my reports my name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers nor open any of these accounts. I ask that the items be deleted to correct my credit report I have to find new housing as soon as possible. I need this issue cleared I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Group & Associates LLC (MI)

on today XX/XX/2021 i received a call from a unknown caller who was a man who called and said he is with alliance group and addressed me by my first name and read off the last 4 of my social and he asked me to confirm my last four of my social security. I was less reluctant due to possible scam and was trying to explain to him that I didn't know him and he proceeded to tell me he didn't know me either is why he needed to confirm my last four of my social. Then why would you read my last four if you are needing confirmation that it was me?? anyone could have answer and you gave out my last four of my social. I reiterated I didn't feel comfortable and he proceeded to speak over me and I asked him not to talk over me. his tone escalated and he continued to talk over me and disconnected the call he gave me no other options for me to feel comfortable in confirming my identity. I called back the number that called me and a young lady answered I expressed my concerns to her and asked that the man I was speaking with not be a point of contact and asked to speak with a manager to address his behavior. I spoke to the manager who carried his call the same way and said the way the young man responded to me was the way they do business XXXX the manager at alliance group failed to address my concern and began to talk over me as well after i explained to him i work with people on a daily as a profession and it is not how you handle clients. I asked for a manager over him and his rebuttal was it was none of my business when i asked to speak with someone higher then him. he was only willing to give me the business name.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX a {$700.00} withdrawal was reported to be taken from a Wells Fargo Branch ATM. I didn't notice until my father pointed out my balance was low. This was unusual since I had a balance of over {$2000.00} days prior. As soon as I logged onto my Wells Fargo App I viewed that this amount was in fact withdrawn the XXXX of last month ; XXXX. I reported this as soon as possible to a Wells Fargo Agent over the phone and assured them I had never taken this money from my own account and had just realized this money had been pulled from account. I wasn't aware anyone or anything had access to my account as I have never given my card information out ( such as a pin etc. ) and still have my physical card. I also made sure to mention I have never visited this Branch Location, let alone do I live near it. We made sure to cancel the card I had and ordered a new one to be sent right over to me. It's been over a week now. A day ago, I just received a letter from Wells Fargo stating they believe I had given authorization for someone to steal money. This is an absurd assumption and has caused for me to be behind on payments. They have canceled my dispute and have closed the investigation over my account theft. I need my money back.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Mt credit card was reported closed as of XX/XX/year>. However, the card is in fact still open with a {$91.00} balance. I reached out to XXXX and Experian to fix the issue, neither one cares to fix this.
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.
Consumer complaint received 2021-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Equifax refuses to consider hard inquiries by 4 mortgage companies in a 24 hour period as one hard inquiry and my rating with them is poor for hard inquiries despite the fact that I read them : You can shop around for a mortgage and it will not hurt your credit Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can shop around and get multiple preapprovals and official Loan Estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The impact of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. Note : the 45-day rule applies only to credit checks from mortgage lenders or brokers ' credit card and other inquiries are processed separately.
Consumer complaint received 2024-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

I tried a balance transfer promotion with Citi for the first time ever. I paid a 4 or 5 % up front rate so that I'd have just 0.99 % interest for 12 or 14 months on {$20000.00}. Since this was an XXXX  XXXX  card, I used it to buy airline tickets on XX/XX/year> for ~ {$2100.00}. I waited for this transaction to post, then made a payment of ~ {$2100.00} on XX/XX/year> to avoid interest charges accruing at a high rate. I noticed the next month that this payment was instead applied to my 0.99 % promotional balance, then Citi charged me interest on {$1600.00} of average daily balance at 9.99 % in XXXX and {$2700.00} in XXXX, showing my promotional balance is down to just {$17000.00} in XXXX from {$19000.00} in XXXX. 

I talked to phone agent and supervisor on XX/XX/year> and they agreed the payment was misapplied ( should have gone to the " higher balance '' amount ) and they advised me to wait a few days for the correction to go through so I would know what the correct balance was to pay for this month ( I would rather not " overpay '' on my promotional rate balance ). However, this did not happen, and two online agents today were equally unable to solve my problem though XXXX did agree to file a " complaint '' on my account.