davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: The CFM Group (MI)

XXXX from XXXX, or Consumer First Management XXXX has been continuously contacting me about a debt that I apparently owe from 10 years ago. He continues to call from a different number every time, one time it was an XXXX number, the next it was a XXXX number and the last time was from a XXXX number XXXX. I asked him about the debt that I owed and he said that there was mail that went to my house and I never responded to it. I never got a letter from his company and didnt throw anything away. He stated that it was sent and that he could not get me any paperwork showing what I owed as he would have to file a judgement against me in order to obtain that paperwork. He gave me the file number for the case and said that if I wanted to call the company that it came from I would need to get ahold of them and find the original paperwork. I did get a hold of them and they dont have record of it as it was over 5 years ago. He keeps telling me that it is going to cost me a lot of time and money to resolve this. I am confused as to why I would be taken to court over something that is 10 years old, and over something that he can not and will not provide paperwork on. He has called me 7 times in the past week and before then everyday even after I spoke with him about the debt. I told him I was not familiar with the XXXX. I have looked them up and can not find their information anywhere. This XXXX XXXX said that if I do not respond he was going to take legal action against me. They call at all hours of the day while I am at work and while I am at home.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, Transunion and XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to inequivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in XXXX XXXX compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the XXXX XXXX compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have XXXX  days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, XXXX XXXX Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Terms Duration : XXXX  That is not a accurate balance.
Consumer complaint received 2024-07-11
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)

Im filing a complaint to report incorrect credit reporting. My research showed that I need to visit the Federal Trade Commission ( https : //www.ftc.gov ) to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies must remove items listed on an identity theft report with reference number XXXX. Attached are documents to help remove the erroneous personal information and inquiries from my report. Here are the items that were opened without my permission : EXPERIAN : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-11
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. (FL)

Consumer Reporting Agencies play a crucial role in compiling and assessing consumer credit information. It is essential that they fulfill these responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The banking system relies on fair and accurate credit reporting, and unfair reporting practices undermine public confidence, which is vital to the banking system 's integrity. I never provided explicit, written consent for these consumer reporting agencies to report my information, violating 15 U.S. Code 1681b ( 2 ). This has led to alleged XXXX XXXX, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We are in CH XXXX Bankruptcy. We are making our monthly payments on an interest only loan of {$3600.00}. When the bank applies the payment it only applies, {$2600.00} in interest and {$530.00} in escrow. Where is the balance of {$450.00} going? It does not show on the activity since your last statement. It is not going towards Principal. But when I look at the Payment Summary it has Interest, {$3100.00} and Escrow, {$560.00} which equals my payment. Also the Trustee is making payments. These are showing as debits on our account, not credits. Where are these payments being applied. Also where is my interest payment from my Escrow Account from 2016? We also overpaid our property taxes and this also showed up as debits on our account. An incorrect Escrow Analysis was done an a distribution of over $ 6K was made to the trustee. Now after I requested an Escrow Re-Analysis our Escrow Account is now short, and now our house payment has risen to {$3700.00}. I placed a call to the bank and was told that a court order was issued for the $ 6K from the Trustee found out that was a lie. I called the bank several times they kept telling me I could not talk to them because I 'm in Bankruptcy. I have sent the bank two letters requesting an accounting of my account. I can not even get an accurate XXXX for my 2016 taxes.
Consumer complaint received 2024-07-11
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. (PA)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX  XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made 4 days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact XXXX  to try to get it resolved and they have been no help other than apologizing on their behalf for their error.
Consumer complaint received 2024-07-11
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)

I am writing again to express my confusion regarding your credit bureaus investigation into certain accounts on my report. As you know, I have submitted the required FTC report to the Federal Trade Commission concerning these fraudulent accounts. Following my submission, XXXX and XXXX removed the accounts from their records. 

I have also contacted the companies associated with these accounts, and they confirmed the removal. Therefore, my question is : why are these accounts still appearing on your bureau 's report? 

As a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. I need to dispute these fraudulent accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX credit bureau continues to report inaccurate information on my credit report. On XX/XX/XXXX a dispute was submitted to request Account # XXXX XXXX XXXX account status update to closed on XX/XX/XXXX. The creditor correct the information in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account status as opened with inaccurate closed date, the account was disputed by myself to credit bureau, the account was corrected and the status was changed to closed/ charge off XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the account as open with a new closed date of XX/XX/XXXX. 

I have filed several disputes with all three creditor bureaus and XXXX XXXX to correct the inaccurate information reporting on my credit report. The company continues report inaccurate closed date on the account even after numerous disputes. 

I filed a complaint with CONSUMER FINANCIAL PROTECTION XX/XX/XXXX CFPB Reference Number : XXXX. The creditor agreed to report the account accurately to all three credit bureaus. After the letter was submitted to CFBP the creditor reported inaccurate information to all three credit bureaus again.
Consumer complaint received 2024-07-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

Terms were not followed refused to help after their own rep told me at XXXX XXXX it was indeed their fault. I contact at XXXX XXXX and was seeking status first person disconnect chat 2nd person then told me I wasn't eligible and to read terms. I sent terms again and asked them to explain as I had everything they disconnected. 

. Eligibility for XXXX. 

Initial Eligibility. To become eligible for a XXXX Account, you must meet all of the following requirements : You are XXXX ( XXXX ) years of age or older ; You live in a state where XXXXXXXX  is offered ( see State Eligibility in this Section, below ) ; You are a member of Chime Financial , Inc. ( Chime ) with a Chime checking account ( Chime Checking Account ) in good standing with Bank ; You have activated your physical Chime Visa Debit Card, or have an open and active physical Chime Credit Builder Visa Credit Card or Chime Cash Rewards Visa Credit Card ; You have downloaded the Chime mobile application ( Chime App ) from either the XXXX XXXX XXXX or XXXX XXXX XXXX ; and You have received any of the following, determined at the time of XXXX  Account opening : two ( 2 ) Qualifying XXXX XXXX Deposits from an employer, payroll provider, or gig economy payer of {$200.00} or more per deposit in the preceding thirty-four ( 34 ) days ; one ( 1 ) Qualifying XXXX XXXX  Deposit from an employer, payroll provider, or gig economy payer of {$200.00} or more in the preceding thirty-four ( 34 ) days and added an Additional Data Source ( as defined in this Section below ) ; or one ( 1 ) Qualifying XXXX XXXX XXXX  from a known government benefits payer ( such as the Social Security Administration or Department of Veterans Affairs ) of {$200.00} or more in the preceding thirty-four ( 34 ) days.
Consumer complaint received 2024-07-11
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. (NY)

To all Credit Bureaus : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX RE : Remove Unauthorized inquiries Dear XXXX, Experian and XXXX XXXX XXXX XXXX After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Bureau, Inc. (SC)

Merchants credit bureau XXXX Georgia is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removal..experian has it listed to be removed XX/XX/XXXX and XXXX shows they reported dofd XX/XX/XXXX..collection agency stated it will remain on there till XX/XX/XXXX.. This from a fire utility company who in XX/XX/XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with county tax.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XX/XX/XXXX and they claimed it was a different account but impossible ..I 've only lived in one place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XX/XX/XXXX showing fire was included in taxes beginning that year. I can furnish more if needed
Consumer complaint received 2024-07-11
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my credit report, I have noticed that I have several inquiries from creditors that I have not applied for or given permission to pull my credit. I have no knowledge of ever applying for credit from any of these creditors or financial institutions listed below. 


XXXXXXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX I have contacted the creditors and they have instructed me to file a complaint.
Consumer complaint received 2023-04-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

My student loan was forgiven. Originally amount was {$260000.00} now its {$11000.00}. Experian and all credit reports keep showing a balance of {$110000.00}, when its supposed to be {$11000.00} total. 

I filed a dispute with credit bureaus I contacted XXXX whos servicing my loan and confirmed my balance. 

I checked FASFA who also confirmed my balance.

This is wrong and hurting my credit score
Consumer complaint received 2024-07-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.