davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AZ)

Received a voicemail on XX/XX/XXXX from a XXXX from number XXXX. She said that her contact number is XXXX ext XXXX. I called back XX/XX/XXXX and was told that I have another debt from my identity theft from XX/XX/XXXX- like the other debts that have come up in Texas. Procollect is the company 's name and their address is XXXX XXXX XXXX XXXX, TX. I let her know that I was disputing the charge because it is not my debt. She told me to file a police report and send it to XXXX XXXX
Consumer complaint received 2023-03-22
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: SANTANDER HOLDINGS USA, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-08-13
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. (IA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX  XXXX AUTO XXXX XXXX
Consumer complaint received 2023-06-19
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSWORLD SYSTEMS INC (AZ)

I pulled my XXXX XXXX Credit report on XX/XX/XXXX. I noticed there are XXXX inquiries by the company " Transworld Systems INC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no trades to justify the inquiries. Not only does that bring down my credit score it makes it harder for me to gain employment, I also fear it make be my ex boyfriend trying to locate me, he is a debt collector.
Consumer complaint received 2023-03-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Consumer complaint received 2023-06-19
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)

If, upon completion of your investigation, you find that any of the disputed items are inaccurate, incomplete, or unverifiable, I request their immediate removal from my credit report. Furthermore, I ask that you provide me with an updated and corrected copy of my credit report once the necessary revisions have been made. 

I have enclosed copies of the relevant documents and supporting evidence that substantiate my claims. Should you require any additional information or supporting materials, please inform me promptly. I appreciate your attention to this matter and anticipate your prompt action to rectify the inaccuracies on my credit report. I trust that, in doing so, you will ensure fairness, accuracy, and compliance with the applicable laws governing credit reporting. 

Thank you for your cooperation and prompt response. 

XXXX XXXX
Consumer complaint received 2023-06-12
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. (MD)

Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : XXXX. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( XXXX usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section. 
2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX
Consumer complaint received 2023-06-19
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)

I sent a dispute to XXXX  as I denied any ownership to this account they claim is mine. There was no investigation and they reported to my credit report any way. I never had att and filed a claim with federal trade commission as well.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX ATM withdrawal claim. 
On XX/XX/ I tried went to a Wells Fargo ATM located at XXXX XXXX XXXX XXXX XXXX, FL XXXX in order to deposit cash that I had in my wallet for about {$120.00}. 
The ATM was not accepting my {$100.00} to after the third try I told the ATM to return my money and left. 
The ATM did not return my card right there and then and left my session open long enough so that someone else had the chance to withdraw {$200.00} from my checking account. 
The next day I went to a Wells Fargo branch to make my deposit in person and there I realized I was missing {$200.00} in my balance. I called and filed a claim, which was assigned number XXXX Today, XX/XX/ I called to inquire on the status of my claim and I'm being told the bank has denied the claim, with the argument that : -The withdrawal was only {$200.00} and the bank 's reasoning is that if someone had access to withdrawing money they would have taken more, not just {$200.00}. 
XXXX, who refused to give any ID or last name and said that my claim number should suffice me at XXXX XXXX told me that that is the only reason the bank will disclose to me, because any other information being disclosed would enable fraud. 
-Says also that even if there is a camera at the ATM and they were able to see it was someone else withdrawing my funds from my account it is my fault because I left my card at the ATM, despite the fact that the ATM should have given me my card back when I took my deposit items back, required a PIN reentered with a new transaction, specially a withdrawal, and closed my session promptly to prevent this. 
The ATM is there to replace a human teller, under whose watch this would not have happened. In other words, for the bank 's convenience and lower cost of doing business. 
XXXX XXXX also states that if someone wanted to withdraw money from my account after I was done with the deposit attempt they would have had to reenter my PIN again, ( which I know I did not reenter ) but still my fault because maybe I let someone see it and the bank is not taking any responsibility. 
I have also been told the bank can not provide any written response at the time of this claim being filed with CFPB. 
Attached is a screenshot of my account transactions, showing the unauthorized withdrawal and and the deposit of the cash the day after, on XXXX XXXX  at the physical branch, when the missing funds were noticed.
Consumer complaint received 2024-08-13
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. (PA)

I recently mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX XXXX2024. I received a response stating that the accounts were verified on XXXX2024.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( A ) ( 7 ).

To be clear, per FCRA 611 ( A ) ( 2 ) ( B ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me all information used for your investigation, as required by FCRA 611 ( A ) ( 7 ). 

I have enclosed a copy of the following items that are reporting negatively and inaccurately on my credit report. 

Per the FCRA you are required to provide this information within 15 days or deleted the negative items from my credit report.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-05-09
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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: Southwest Recovery Services, Inc. (IL)

XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from southwest recovery services. Southwest recovery. services don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. Southwest recovery services, XXXX, and XXXX need to. be sued and shut down by attorney genreral.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

XX/XX/XXXX, I had contacted Chime, or XXXX XXXX and sought to request a reversal for the past payments I have made towards my car payment. Im in the middle of civil litigation against a dealership I purchased my car from. Due to violating several laws and statutes in the state of Texas, the dealer has had their license revoked. This final order was issued in XXXX of XXXX. There is a provision issued by the Texas Department of Motor Vehicles which informs consumers of the right to cancel and remove any existing lien on a vehicle if the dealer has closed. The dealer I am seeking relief and removal of lien has had their charter forfeited, and dealer license has been closed. As a consumer it is in my best interest to begin securing my financial investments, as I had been sold a vehicle with multiple mechanical failures. As required, the Texas regulator specifies that a vehicle owner must include a letter on department letterhead that states the dealer 's license has closed, thereby making my effort to remove lien permissible. When I inquired to Chime ( XXXX ) about my ongoing legal battle, the Chime representative informed me that they could not recover or investigate claims of disputes further than 60 days. The conversation ended quickly. I later receive a notice by email stating that my Checking, Savings, and Credit card accounts at chime will be closed within a short time frame. This is unwarranted, undesirable, and very frustrating. I should not be threatened of account closure for raising a concern. Furthermore, to close any of my existing accounts would only compromise my financial security and wellbeing.
Consumer complaint received 2023-05-08
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. (NY)

I was notified through XXXX that there was a credit alert on my account. The alert said that XXXX  was trying to reach me and was unsuccessful. My email and phone number have not changed in well over 10 years and I have lived at the same address for nearly 7 years. I immediately logged in to my XXXX  account and could clearly see that my contact information had not changed. I reached out to XXXX  via their online chat and I was told by the agent that my contact information had " inadvertently been removed '' and that I would need to contact XXXX  by telephone. I explained that I was looking at my contact information on the XXXX  wesbite and that it had not changed and was not removed. The agent told me that there was no contact information on their end, despite me receiving monthly statements by mail regularly. I filed a dispute through Experian which resulted in " the information you disputed has been verified as accurate ' when in fact the information is not accurate. My contact information never changed and if XXXX  was unable to locate my contact information, it was through no one 's fault but their own. I have attached the chat log in which the agent admits that the problem with the missing contact information was in fact the fault of XXXX.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (TX)

WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY! I SHOULD NOT HAVE TO LIVE LIKE THIS HAVING TO BE CONSTANTLY HARASSED AND DISCRIMINATED AGAINST BY THIS HACKER THAT HAS STOLEN FROM ME ANS IS CONTANTLY TRYING TO STEAL THE DEED TO MY HOME! 

THIS HACKER IS STILL ILEGALLY HACKED INTO THE PUBLIC LIBRARY SYSTEM WHERE I AM USING A PUBLIC COMPUTER AND NO ONE IS DOING ANYTHING ABOUT IT11 THIS IS AN ILLEGAL CYBER CRIME! DO SOMTHING ABOUT IT ALREADY AND AMKE THIS HACKER FACE CRIMINAL CHARGES ALREADY! HE IS HACKED IN ILLEGALLY RIGHT NOW AS I SEND THIS COMPLAINT IN! 

WHEN YOU SEE THE ATTCHED ON THE COMPUTER OR LAPTOP HERE THAT MEANS HE IS HACKED INTO THEIR SYSTEM AND ILLEGALLY COMMITTING A CYBER CRIME! HE NEEDS TO FACE CRIMINAL CHARGES ALREADY!!!

THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! THIS HACKER NEEDS TO FACE CRIMINAL CHARGES! WHY HASNT THIS HACKER FACED CRIMINAL CHARGES ALREADY!!!