davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (IN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint to ensure that the consumer reporting agencies receive my notice of dispute regarding personal identification information. The information they have on file is inaccurate. That includes XXXX inaccurate social security numbers, multiple irrelevant and inaccurate addresses, and inaccurate names.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Wise regarding an intrusive and unnecessary request for personal information related to my recent transfer. On XX/XX/year>, I received an email from XXXX at Wise ( reference payment : XXXX ), requesting additional details about the purpose of my transfer, whether the transaction was one-time or recurring, and a payment schedule if applicable.

Furthermore, they asked for sensitive personal information, including my occupation and the name of my employer, within 2 working days. While I understand that Wise is a regulated financial institution, I believe this request for extensive personal data exceeds what is required for this transaction, especially given that Wise has previously processed similar payments without such requests.

I am concerned that this demand for sensitive details, including my employer 's name and specifics about the payment schedule, infringes on my privacy. It also creates an undue burden, as I am unable to understand how this information is relevant to a straightforward transfer. Additionally, I feel that this requirement has caused unnecessary stress and could interrupt my ability to conduct essential transactions.

I request the CFPB to investigate whether Wise 's data request aligns with relevant financial regulations and customer protection standards, and to ensure that customers like me are not subjected to unnecessary or invasive requests without valid justification.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-10-15
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Early Warning Services, LLC (AL)

Dear CFPB, I am writing to formally request assistance regarding a scam in which I lost {$1000.00}. Over the course of several weeks, I engaged with an individual who promised services related to credit repair. The person requested payments through Zelle, XXXX XXXX, and XXXX, and despite my repeated requests for proof of work, no verifiable services were provided. 

Here is a detailed timeline of the events : Initial Engagement : I was contacted by an individual posing as a credit repair service provider. They claimed they could help improve my credit score and remove negative items from my credit report.

Payments Made : Over time, I was pressured to make multiple payments through Zelle and XXXX XXXX. They requested {$1000.00} in total, which I paid in installments. Each time I asked for proof of the work being done, the individual made excuses, promising that the results would be available soon. Eventually, I was asked to send XXXX for the final phase, which I declined. This individuals tactics involved deflecting accountability, claiming that the process was " nearly complete '' or that an " activation '' would be needed to finalize the changes. 

Escalation : After recognizing that no services were provided, I contacted XXXX XXXX, which is my financial institution and the platform for several of these transactions. I explained that I had been scammed and provided documentation of the conversations and promises made. XXXX, however, denied my request for a refund, stating that the transactions were not reversible. Similarly, Zelle did not offer any support to recover my funds, despite clear evidence that this was fraudulent activity. 

Continued Scamming Tactics : After I requested a refund from the individual, they offered excuses, stating that I needed to pay additional fees for " clearance '' before a refund could be processed. This is a typical scam tactic, and I refused to send any more money. Despite this, I have yet to receive a refund or any form of resolution. 

Given that Zelle is operated by the banks, I believe there should be more protection in place for consumers who are victims of fraud. These transactions were made in good faith, but once it became apparent that this was a scam, I acted immediately to recover my funds, yet I have been denied. 

I am requesting the CFPB 's assistance in reviewing this case and helping me recover the {$1000.00} that I lost through fraudulent transactions. I have documented all communications, receipts, and transaction details and am happy to provide them for your investigation. 

Thank you for your time and attention to this matter. I appreciate your help in resolving this issue and ensuring that consumers like myself are protected from such scams in the future. 

Sincerely, XXXX XXXX Phone : XXXX
Consumer complaint received 2024-09-02
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. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-02
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)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please delete these outdated addresses and update the address with this one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies on this account ; This account is hurting my ability to obtain credit ; It is my understanding that you will investigate this tem for me to ensure accuracy Here is the tem I am asking you to verify as accurate CREDITOR NAME : XXXX. account # XXXX
Consumer complaint received 2024-09-02
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)

This account does not belong to me, and it appears to be a case of mistaken identity, fraud, or a reporting error. The presence of this incorrect information on my credit report is causing undue harm to my credit standing. 

Account Number XXXX CREDITOR : XXXX
Consumer complaint received 2024-10-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Brightfunders, LLC (OH)

Since XX/XX/year>, I have had issues with Lower.com and XXXX XXXX as funds that were supposed to be issued by the settlement company were never issued out to the debtors. Instead, the checks made payable to creditors were overnighted to me with the wrong payment amounts and I was tasked to send them out, but these figures were inaccurate. Furthermore, I was tasked to reconcile lower.com and XXXX XXXX balances without my consent and without compensation. Neither company will take ownership of the issue and the settlement company had me jumping through to return funds owed to me. I have reached out to both entities in separate occasion but at this point, I am exhausted and I shouldnt have to do all of this work. Especially after paying considerably amount in closing costs and fees to Lower.com and XXXX XXXX.
Consumer complaint received 2024-10-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

Cashed my check from a prepaid bank XXXX at check cashing place and had XXXX put on netspend card. Got home and they ( netspend ) would not allow me to activate card and tells me they will give me a check in 7 days. Then the next day they said 15 days and the next day 21 days. This is not cool just as fast as they got my money the should be able to send me my money since they wont open account. I asked for over nite service i even told them to take out of check. They said no, i need to pay rent and now im gon na lose my home becuz of them
Consumer complaint received 2024-09-02
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
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. (DC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-02
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. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

I've recently looked at my credit report with experian XXXX and XXXX and noticed they are reporting several incorrect incorrect inconsistent information on all XXXX bureaus with XXXX XXXX acount # XXXX I've disputed this account more than XXXX times in the last XXXX  years and they keep violating my federally protected rights.the XXXX  violation is XXXX  is reporting a high balance of {$2900.00} experian is reporting {$0.00} and XXXX is reporting {$0.00} high balance that is violation of 15usc1681s-2 the next violation is they are reporting incorrect date of last activity and violating 15usc1681e ( b ) XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX as date of last activity.the next violation is open date XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX and XXXX  is reporting XXXX the open dates the next inconsistency is close date transunion is reporting XX/XX/XXXX experian is reporting no date and XXXX  is reporting no date as the close date.the next violation is past due amount transunion is reporting {$1400.00} experian is reporting {$1400.00} as the past due and XXXX  is reporting {$0.00} as the psat due amount.the last inconsistent information is the payment history XXXX  has none reporting experian is reporting repeatedly charge off and XXXX has no payment history reporting according to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete XXXX XXXX acount # XXXX XXXX  XXXX  and experian credit reports immediately and pay me {$1000.00} per each violation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX CT XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/year>, XXXX, XX/XX/year> I reached out to XXXX and Equifax XXXX XXXX Mail regarding XXXX account from XXXX XXXX with account # XXXX and a balance of {$770.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account stating : I I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ''. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX 
I previously disputed this account.I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

I have not received the contract with this debt collector nor the proof of the investigation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2024-09-02
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)

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.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX  XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to XXXX XXXX Co. 

Gap Claim Docs Contract # XXXXXXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.