davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report. 

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
2. Law Offices XXXX with Account Number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with Law Offices XXXX with account number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

My problems started out with US bank back in XX/XX/XXXX when a transaction for insurance for over {$400.00} was approved and when i called customer service on speakerphone in the presence of my sister and room mate, i was told that i still had an available balance of roughly {$400.00}. I bought some items for XXXX and eventually when i called to get my balance, the account was overdrawn by some XXXX dollars. 

Next in XXXX of this year XXXX, someone stole my wallet and phone and used them to deposit and withdraw fraudulent/bogus checks. I notified US bank and filed a police report and US bank has taken what is over three months now and no temporary credit has been issued. Along with this, my monthly income has been kept from me and the bank is holding those funds even to this day. I am on a low income and depend on my spousal benefit monthly payment to survive. At this point im about to be homeless and every time i call US bank am given the run around, nobody ever gives me a straight answer and i can not understand why my rights mean nothing in this case. I notified US bank as soon as i knew of anything, I filed a police report, and i have given them ample time to figure out what is going on ... Even though my account is frozen, my monthly support payments were never returned to me approximately {$1300.00} a month for the past XXXX  months. This is my money and I can not understand why im not being given at least a temporary credit when they have deposited the {$1300.00} a month and ive never gotten those funds. Again this is my income that is being mistreated and i have received nothing but the runaround from US bank ... US bank claims they sent the income payments back however i found out this is not the case. I want them to give me back the funds they have kept which were not theres to begin with. My account should have been closed and a new account opened as soon as the fraud was discovered/reported. Not allow my monthly income to be drained into an account that was overdrawn.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

Open/closed Open Date opened XX/XX/2023 Account type Credit Card Status Current Status updated XX/XX/2023 Past due amount - Highest balance XXXX XXXX Monthly payment {$15.00}
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I set up a {$50.00} auto pay for my business credit card with Amex. They auto drafted {$380.00} instead and claim it was an error on their part. When I tried to get them to refund this unapproved withdraw from my checking account, they said it was needed to keep the account open and sent me to multiple representatives without giving back the money they stole. I could care less about the account being open or closed. Amex doesn't get to change payments I've scheduled. 

I'd like my {$380.00} returned. Until then I have removed all bank accounts and auto pays from all XXXX of my Amex cards. I won't pay them XXXX dollar until the unapproved withdraw is returned. What they did caused a {$35.00} dollar late fee for a separate account because they stole money not meant for them with the unapproved withdraw.
Consumer complaint received 2023-03-28
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. (MI)

Greetings credit reporting agencies, my name is XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

- [ ] In a ccordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 

- [ ] In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 


Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
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 an account without my written instructions.
Consumer complaint received 2023-04-15
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. (NJ)

Upon checking my latest dispute with CFPB Experian has completely ignored all other account on my 15 USC 1681b letter for permissible purpose, Experian took it upon them selves to only delete one account! 

Experian is also violating my rights as a consumer because the companies they claim i I owe money to does not have jurisdiction or authorization to collect in the state of NJ! 

Exhibit 1 ( delivery confirmation to Experian ) Exhibit 2 ( deceivers conformation to Experian ) Exhibit 3 ( 15 USC 1681b permissible purpose Exhibit 4 2nd 15 USC 1681b permissible purpose Exhibit 5 ( account that can not collect in the state of NJ ) Exhibit 6 ( account that can not collect in the state of NJ ) Exhibit 7 ( account that can not collect in the state one Nj )
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NY)

Collection agency, Capio Partners has called multiple times. Their client is XXXX XXXX XXXX XXXX. On the first call, I advised them that this debt had been paid by my son 's insurance, and I had just finished another dispute with another collection agency the said the hospital had made a billing error. The man was rude, said he would mark it as disputed, but nothing would really happen, I needed to pay it. I asked for a fax number or address to send proof of the hospital 's error, and he refused. He said I would get a letter, which I never did. I explained ( just like my prior dispute ) that this was not my debt, I had never signed my son into that hospital as I was not there, he never saw a doctor, and the hospital had been given his insurance information several times. 
He said their office just received the debt, so I had to pay it. I asked him to verify the debt with them, as they had just admitted their billing error with a different agency, and he said he absolutely would not. I advised him the governor had put a hold on collection activities due to COVID, but advise me where to send proof it was not a valid debt and I would do so for their records. I also asked that they not call me again regarding this matter. 
They have called me multiple times since, did not provide any written communication, and immediately reported the debt on my credit file ( the same day, XX/XX/XXXX ), all violations of my very specific requests and rights. More disturbing, it was a direct violation of a government order since the governor had suspended all collection activity during these trying financial times. Additionally, it is incomprehensible to me that a physician would charge {$1300.00} when they never saw the patient, especially when the patient was brought in by ambulance.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-03-27
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX  ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (LA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-03-28
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: U.S. Auto Sales Inc. (GA)

I have repeatedly tried to have inaccurate information removed from my credit file. US Auto Finance has repeatedly ignored my dispute of information being furnished to XXXX, XXXX, and XXXX. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXXXXXX XXXX XXXX  but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.
Consumer complaint received 2020-09-26
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. (GA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I XXXX XXXX has been receiving emails and postal mail from capital one credit stating that I'm pre-approved and or pre-qualified for a credit card with no impact to my credit so I applied for a credit card thinking that it wouldn't hurt my credit but that wasn't the case they have put several Hard Inquiries on my credit report after I called and spoke with them about this matter, and they ask me some personal information such as my email, mailing address so I verified the information for the associate at capital one. Before I got off of the phone with capital one credit I XXXX XXXX asked if they would please remove all inquiries from my report, and the associate said yes I am taking care of that right now. I also ask them to stop sending me promotional emails, and postal mail, they didn't do any of the things I asked them to do.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX  Wells Fargo Bank accidently ( admittingly by mistake ) sold my home financed by that bank during the loan modification period which at the time my anticipated monthly payment. was being paid to Wells Fargo by automatic funds transfer from my bank. In fact, two agreed payments had been made and the third and final modification payment was in process. They stated that although they made a mistake by selling my home, it's in California and the sale could not be reversed. I was forced out of my home without notice and suffered major financial damages. Wells Fargo has avoided any consideration after I have pursued justice in this matter several times. Wells Fargo has absolutely no Conscience and is a very dangerous entity for any community. Wells Fargo has fraudulently sold my house I had lived in ten years and consider themselves too big to be concerned. Wells Fargo has committed major negligence.
Consumer complaint received 2023-03-24
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. (IN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following :
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I have an account with Chime I currently have 2 issues with them : XX/XX/XXXX I money was transferred from my account to another Chime member however it was not authorized as the other member scammed me out of money and goods/services. I dispute this with the bank on 4 different occasions and I have been denied each time even after presented ample evidence. 
Then XX/XX/XXXX my account was hacked and I was locked out if my account for almost 2 weeks and the individual whom hacked my account drained my entire account. I informed Chime of this and disputed each transaction again they denied me so I have resubmitted a rebuttal for each occurrence but they continue to not issue any type of credit and I am expected to just be ok that I had my identity stolen. 
They made a copy of my debit card and changed the pin. 
XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX ATM withdrawal XX/XX/XXXX XXXX XXXX XXXX XXXX ATM withdrawal XXXX XXXX ATM withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM fee XXXX XXXX ATM fee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Please help me to get my money back I am on a fixed income. I missed all my bills because of Chime.
Consumer complaint received 2023-04-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$300.00}
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.