davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-31
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2017-02-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (NY)

Well, they 've all come out of the woodwork since we 've filed chapter XXXX - XXXX ( atty for all ) ; XXXX, Selene Finance, XXXX. All trying to get a piece of the pie. As I 've informed you in prior correspondence, this mortgage was fraudulent from the " getgo ''. Charges on my mortgage statement were unverified ( i.e., no trustee ( non securitization from XX/XX/XXXX thru XX/XX/XXXX ), no deliverance of deed ; no title policy, and an impostor posing as the lawyer of record for closing ( a letter should be in your file from the closing atty reading he was not present at the closing and he denies the signature being his - FRAUD ). I 've tried over the years to explain these fraudulent acts to XXXX, Selene, and now XXXX ( though we have not received anything personally from XXXX and no Assignment is listed in the county clerk 's office. ) The only letter I received with anything to do with XXXX was a letter dtd XX/XX/XXXX XXXX, which I received last month - XX/XX/XXXX - copy of envelope attached ). As you can read on the letter, my address is erroneous ( XXXX ). They also have me address on another letter from XXXX, representing Loancare, dtd XX/XX/XXXX as my address being XXXX. I guess I reside at the courthouse. No wonder I had a visitor at my door trying to get in because she was told by XXXX or XXXX that the home was empty - LIARS. How can you turn acts that are illegal, and try to make them legal. Perhaps the courts turn a blind eye. We feel we should have been granted a " RESTRUCTURING '' of the Mortgage because of the numerous scratches & dents, yet these entities refuse to work with us. After XXXX duped us into a fraudulent Forbearance and scammed us into thinking we just might get the new payment, they ripped that rug from under us when at the end of it, demanded all monies, even though our situation had n't changed. Mind you, this Forbearance money we paid was deemed " unapplied '' and the fees just kept on coming. What a racket!! We wish we truly knew whom owned our Mortgage - they all send us that one page from the mortgage contract and a copy of the non-wet Note. I have attached letters from all three entities ( I believe XXXX is also probably an investor since he seems to represent them all ). XXXX tried to foreclose in XXXX ( when securitization actually took place ), to no avail ; then they tried again by substituting Selene ; but for some reason the court denied it. Btw, it was not an " arms-length '' transaction. These entities want to lay claim to collateral that none actually paid. Criminals. I guess Selene is trying to clean it all up. See you in court.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

All credit agencies ( Experian, XXXX, XXXX ) are reporting this information on my credit that I am not familiar with, I need this information removed immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Law FCRA Section 605B ; it is illegal to report information on my credit account without my permission. please remove this account from my account immediately.

15 U.S. Code 1692f - Unfair practices / 15 u.s.c 1692 15 u.s.c 1666 B / 1681 a ( 2 ) i 1099c ( remove loan debt ) According to 15 U.S.C 1692c you have violated my rights by unlawful communication. Please remove this information off my credit report immediately, thank you.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (RI)

XXXX XXXX XXXX XXXX I have informed them that per us code 15USC1692C that I refuse to pay a debt of {$940.00} that they are reporting still
Consumer complaint received 2024-10-21
Product: Credit reporting 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 my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-21
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. (IL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-21
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2024-10-21
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Personal Information Mistaken Identity Dear Credit Bureaus I am writing under the protections provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally dispute inaccurate personal information on my credit report. After reviewing my credit report, I have found personal information that is incorrect and does not belong to me. 

The inaccurate personal information includes : XXXX XXXX XXXX XXXX XXXX XXXX .Henryca Oponot This information is the result of mistaken identity and does not pertain to me. Under the FCRA 1681c, only accurate and up-to-date personal information should be included in consumer reports. As such, I am requesting the immediate removal of these inaccuracies. 

Please provide written confirmation that these items have been removed or corrected within 30 days, as required by 15 U.S.C. 1681i. If you need any additional information from me to facilitate this process, please notify me in writing at the address provided above. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (NY)

On XX/XX/19 opened a MoneyLion Checking Account as they had a " Pave the Wage '' bonus offer of 17 % bonus of the first initial Direct Deposit. Per the advertisement, I : 1 ) Joined Money Lion 2 ) I opted in on the App ( XXXX ) and obtained the Direct Deposit Form. I ( like many others ) never received an email confirmation although the app itself did notify me that I had opted in. 
3 ) Setup Direct Deposit ( first DD was deposited on XX/XX/19 in the amount of {$2300.00} 3 ) I maintained at least 90 % of the initial Direct Deposit every 2 weeks for 90 days. 
4 ) The up to 17 % ( so 17 % of {$2300.00} = {$400.00} ) has not been credited even though MoneyLion states it would be credited in 90 days of the initial Direct Deposit. 

I have tried contacting Money Lion several times, but they have removed all on-line access and you can no longer email them. Further, the phone # has had wait times " over 30 minutes '' and I've input my phone # to be called back several times. Have yet to receive a callback even after a week. 

If money lion says that the Trial Deposit from XXXX XXXX interrupted the Direct Deposit they are lying. Direct Deposits were every 2 weeks and clearly noted as Direct Deposit. Money Lion removed any ability to transfer funds OUT of the checking account ( I have an email where they said that the feature is being worked on ). Therefore, the only way to transfer your funds out of their bank is to link an external bank and " pull '' ( via ACH ). Therefore the XXXX Trial Deposits were needed. And those deposits were *clearly* labeled Trial Deposits, not Direct Deposit.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Hello, I was on a medical leave of absence from my employer XX/XX/XXXX/XX/XX/2016. In late XX/XX/XXXX i went back to work. In XX/XX/XXXXI was behind on 2 loan payments which I emailed the company about not sending payment in for.processing. but they still came through. Wells fargo is my bank. The 2 transactions were {$9.00} and $ XXXX.instead of the bank paying those they sent back and started charging me {$35.00} fee.  Every week those same 2 transactions try to.come out because I get paid on Friday weekly. Wells fargo continues to send back and charge me XXXX each. Now over {$500.00} in fees. I did manage to get some of it back from when I was.out of work. I dont think this is fair. I asked the bank over a month ago to close my acct via email. Still open and charging me these fees. I again have reached out to the loan company about not submitting they are working to stop it. I had overdraft added to my acct prior to any of this happening and wells Fargo is not.honoring it. I have removed my direct deposit from that bank. I would greatly appriecate it if you could have this stopped. They are going to get my account so high with overdraft fees and close it hurting me financially. Please help me. Im so frustrated.
Consumer complaint received 2022-09-14
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: WELLS FARGO & COMPANY (NY)

I have tried to get Wells Fargo Credit Card to stop allowing XXXX charges for months. The have now credited refunds for these charges AND are still allowing XXXX charges to go to our account
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Formal Complaint Regarding the Re-insertion of Previously Removed Fraudulent Credit Inquiries by Experian To whom it may concern, I am writing to file a formal complaint against the credit reporting agency Experian due to the unauthorized re-insertion of fraudulent credit inquiries into my credit report, which had been previously removed following an investigation conducted in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute with Experian concerning fraudulent inquiries that appeared on my credit report. After conducting their investigation, Experian properly removed the inquiries in question. I received written notification from Experian confirming the removal of these items from my report. A copy of that letter is attached for your reference. 

However, upon reviewing my recent credit report, I have noticed that these fraudulent inquiries have been reinserted without any valid justification. This constitutes a violation of the FCRA, specifically with regard to the re-insertion of inaccurate information without providing the proper notifications required by law. 

I respectfully request the CFPBs intervention to ensure that Experian rectifies this issue immediately by permanently removing the fraudulent inquiries from my credit report and ensuring that such errors do not occur again in the future.
Consumer complaint received 2019-07-23
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: Colony Brands, Inc. (PA)

XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, Account No. XXXX. 
Account XXXX : XX/XX/2012. 
Has my account as reported to XXXX  as a charge off. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc. (NJ)

I have opened my checking account for the below promotion and still I didn't get the promotion after I met the required conditions to get the cash reward. 

PROMOTION DETAILS : MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : Join MoneyLion Set up a direct deposit of $ 500+ Opt in to bonus Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) Bonus you receive will be 17 % of your first direct deposit