davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (MI)

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report, and have identified inaccuracies, incomplete information, and accounts that remain unverified. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to expeditiously REMOVE all data that is inaccurate, incomplete, or unverifiable.

It is my understanding that under the FCRA, 15 U.S.C. 1681i, each and every aspect, whether unproven, non-compliant, incomplete, untrue, incorrect, or unverified, pertaining to alleged derogatory accounts must be expeditiously negated in its entirety, or said accounts should be entirely deleted.
Consumer complaint received 2024-09-05
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. (LA)

I was looking over my consumer report and found hard inquiries that I do not recognize. Please remove these inquiries off my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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)

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-09-05
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)

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my records, I discovered these late payment entries. Despite having sent correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate validation. I am seeking your assistance to resolve this matter quickly and effectively.
Consumer complaint received 2023-10-30
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-10-30
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)

Despite of my written request the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is the evidence that you can not and did not verify any of the disputed accounts like you said you did. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX XXXX XXXX {$50.00}, Opened XXXX XXXX XXXX XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$510.00}, Opened XXXX XXXX XXXX 


XXXX XXXX {$880.00}, Opened XXXX XXXX XXXX 


XXXX XXXX XXXX {$4000.00}, Opened XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC, a debt collection agency, was sent, received, and acknowledged the cease and desist order issued by the consumer. On XX/XX/year> LVNV Funding LLC, violated the cease and desist order and transferred/sold the consumer 's non public personal information to another third party debt collection agency, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services is a third party debt collector that sent me a letter to collect a debt that they apparently purchased from XXXX XXXX XXXX. 

I, the consumer and true original creditor, did not give XXXX XXXX XXXX  consent to sell any debt allegedly owed to them, to this third party debt collector. I also did not give XXXX XXXX XXXX  consent to speak with Resurgent Capital Services on any matter in connection with the collection of this debt. 15 USC 1692c ( b ) has been violated.

Also, it is unlawful to design, compile, or furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating pursuant to 15 USC 1692j. Resurgent Capital Services violated this law when they sent me a deceptive debt collection letter.

Also, In the letter sent, the were 60 words of profane language which abused me as the reader and highly offended me violating 15 USC 1692d ( 2 ).
Consumer complaint received 2024-09-05
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. (NC)

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 2024-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

Chime Banking is offering a referral service if you refer a friend or family using a link that you send them. Each person get monetary value deposit into there account. After, the person has completed a {$200.00} deposit. However, I can and spoke with a Chime Representative and they explained that each would only a {$100.00} instead myself who referred was supposed to get {$170.00}. So, today XXXX XXXX, I called again to see about my bonus, the Representative that I spoke with today was rude and voice was unclear, I asked to speak with a supervisor and they were horrible. Now, the thing is they are saying that the deposit should have been made in 45 days, what? They asking you to send this link for bonus money, and they never give you the money. They found a cause to get out of it. Unethical practices. I'm asking for my bonus payment.
Consumer complaint received 2024-10-20
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: CIBC BANCORP USA INC. ()

I have an issue with my credit report with XXXX. I can see CIBC account inquiry on my credit report whereas i am not even CIBC customer. I have been only doing my banking with XXXX since XXXX XX/XX/year> ( when i landed in XXXX ). Because my name is common in my home country so they have alot of girls with same name here in XXXX too. Whenever any company report about any account, transunion just match my name with someone else and put the inquiry on my account. I have been loyal customer for last 5 years and i do not have any loan and debt on my name. But due to some other girls who are not paying their bills and they have same name as me which causes me alot of problems. Last month, i had same inquiry on my credit report i contacted transunion and told them that i can see additional account inquiry for cibc with current balance {$140.00} which does not belong to me. I sent them my documents including my XXXX statement but they gave me result that information is accurate and account belongs to me and they decreased my XXXX XXXX to XXXX. But when i checked my XXXX XXXX today after XXXX month again, now it shows that it has been decreased to XXXX which is unacceptable for me. This is not the first time, transunion is doing this to me for last 5 years since i came to XXXX. So, everytime they just match my name and birthday with someone who doesnt pay the bills on time and put myself in trouble. So, that is why, i want to make a complaint against them because they do not check whole information like Social insurance number or other specific documentation and using my identity on someone elses account. Can you please reach out to them so that they can remove this false information from my credit report. I will look forward to hearing from you. I would really appreciate your assistance. 
Thank you Have a good day.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On Friday, XX/XX/year>, I went to Wells Fargo in XXXX, NC to cash two checks totaling {$170.00}. I received my cash and left. Later that evening, I checked my account on the Wells Fargo mobile app and noticed that {$1000.00} was withdrawn from my account that day at the bank location. So, on Monday, XX/XX/year>, I went to the bank and talked with a banker named XXXX XXXX. He did some research and told me that he found the error and stated that the error was a banking error and no fault of my own. I asked for that in writing and he declined. He then informed me that the issue would be resolved by the end of the business day. He gave me a reference number for my complaint that he filed on my behalf ( ref. no. XXXX ) XXXXXXXX XXXX XXXXXX/XX/year>, the issue was not resolved so I went bank to the bank and talked to XXXX XXXX XXXX the branch manager. He did more research and also informed me that this was a banking error and no fault of my own. I asked for that in writing and he also declined. He then informed me that the issue would take up to 10 business days from the error which would be Friday, XX/XX/XXXX. However, on Tuesday, XX/XX/year>, XXXX XXXX called me and told me that nothing had been resolved and that the issue will not be solved until XXXX XXXXXXXX XXXX. I asked for a credit since this error was not my fault and he declined.
Consumer complaint received 2024-10-20
Product: Credit card — Store credit 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: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Home Depot through an online order. The product was set for delivery to my address at XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/XXXX, as confirmed by the XXXX tracking number XXXX. 

However, XXXX marked the package as delivered at XXXXXXXX XXXX on XX/XX/XXXX, but to XXXX XXXX, XXXX completely different location. I never received the package at my address. I immediately contacted XXXX and Home Depot to resolve the issue. 

Following my complaint, XXXX conducted a thorough search for the package and has since declared it lost, as documented in the attached claim status from XXXX. Despite XXXX confirming that they were unable to locate the package, Home Depot has repeatedly closed my claims without providing any resolution, refund, or replacement. Furthermore, Home Depot has never contacted me to inform me that my claim was being closed, nor have they provided any results or status updates on their investigations. I only discovered this when I followed up on my own. 

Currently, I have a balance of {$430.00} on my Home Depot credit card, which includes {$300.00} for the missing dishwasher. This amount is due by XX/XX/XXXX, as part of a promotional balance. I am being charged for a product that I have not received, and despite the clear confirmation from XXXX  that the package is lost, Home Depot has failed to remove the charge or provide a replacement. 

This is a breach of my consumer rights under both the Fair Credit Billing Act ( FCBA ), which protects consumers from being charged for goods they did not receive, and the Fair Credit Reporting Act ( FCRA ) if these charges remain unpaid and affect my credit. 

I am requesting immediate intervention from the CFPB to ensure that Home Depot either provides a full refund for the lost item or sends a replacement. Additionally, I ask that any associated charges be removed from my Home Depot credit card and that my credit score remains unaffected by this unresolved issue. Please see the attached documents for the full timeline, XXXX confirmation of the lost package, and details of the charges. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I have been a customer with Nissan since XXXX and this is my second car with them. I began to lease my XXXX Nissan Rogue sport in XX/XX/XXXX and throughout that time I did not have any issues with payments. At the end of XXXX I had lost my job and I had to relocate therefore the payments fell behind for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After that setback I was able to catch up on payments and regain a good payment history. I then moved to Ga and in XXXX when my lease was up on my XXXX Nissan rogue sport, I took it to Bella Nissan of XXXX XXXX to refinance my car to keep it. During that process I am not sure what happened but I then received a notification for another late payment for XX/XX/XXXX. I called Nissan Motor acceptance and they stated that this was an error and that I should reach out to Bella Nissan to have them send a letter to them stating the mistake. I called Bella Nissan as I was told and then proceeded to follow up with Nissan Motors. Per Nissan Motor, the rep stated that It would take at least 30 days to update but there has been absolutely no change. I have called and written letters to Nissan Motors for this issue on multiple occasions. My last attempt was a letter requesting adjustment for the late payments. I did not get a contact back and it is over the 30-45 day period.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AL)

LVNV FUNDING LLC began showing as collection on my credit report. I googled the number and called. They advised it was a credit card debt, but would not provide me with information needed about collection. I have disputed with credit reporting agencies and it was deleted, but has now showing back up on the reports. The credit card company has been predatory by adding fees and other charges that we not owed. I closed credit card due to predatory practices and had a balance less than {$100.00}. They have added fees and created over {$600.00} of fees that I am not liable for.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I attempted to finance a car. The XXXX XXXX with which I qualified for a loan attempted to perform a banking background check with ChexSytems. ChexSystems has a freeze on my account. I called ChexSytems on XX/XX/year> to request a pin in order to unfreeze my account. After XXXX weeks of not receiving a new pin, I called ChexSystems again to verify that they had mailed a pin. The customer service agent lied and told me that the new pin was mailed on XX/XX/year>. XXXX week later, or XXXX weeks after I called them initially, I received a new pin. That pin is now invalid. The customer service agent I spoke with second ( on XX/XX/year> ) invalidated my first pin and issued me yet another new pin. 

Today, on XX/XX/year>, I finally received the FIRST pin that was issued to me, but am unable to unfreeze my account due to the customer service representative issuing me a new pin on the 18th. First Class US Mail does not take 3 weeks mail one letter from XXXX, Minnesota to my Midwestern major city a mere XXXX hours away by car. I am unable to move forward with my auto loan, that will soon expire unless I am able to resolve this situation with ChexSystem 's freeze.

While waiting for my pin to arrive, it was necessary for me to rent a car on a weekly basis, at my own expense ( {$800.00} so far ) because of ChexSystem 's antiquated and ineffective system. The main 3 consumer credit reporting agencies have no problems with account holders utilizing techniques to freeze and unfreeze their own personal information without relying on snail-mailed pin numbers that never arrive. ChexStystems should be held accountable for their ineptitude and customer service that is so abhorrent, it is beyond the pale.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

I was contacted by a someone claiming to be with Wells Fargo on XX/XX/XXXX at XXXX XXXX. The phone number came up at wells fargo on my caller ID. The number was XXXX XXXX XXXX. I XXXX the number to make sure it was wellsfargo. It came up as accounts management on their website. The representative sent an authentication text with a code to confirm my identity and asked me to confirm my name and account number. This matched the same authentication process that Wells Fargo has always requested from me. The text number even came through with the same message that Wells Fargo provides. They proceeded to tell me that someone had created a XXXX account with my account information in the name of XXXX XXXX. And in order to stop the transactions that were being put through the service, I needed to create my own account. Up until this point I did not currently have a XXXX account. So I created one. They then asked me to send a transaction to the the XXXX cancelation department with a code they provided to me in the memo notes. And to enter a specific amount for this transaction to match the one currently being taken from my account. I proceeded with the instructions. {$990.00} was sent to " XXXX XXXX. '' They gave me a confirmation number and told me the funds would be stopped and the transaction would be canceled within moments.

I waited about an hour and found that the transaction was not removed from my account. When I called the number back and it went to Wells Fargo, I was told the confirmation was not valid and I had been scammed. I submitted a claim immediately and they recorded the information I am providing now. I waiting 7 business days and received a letter in the mail today, XX/XX/XXXX, letting me know that my claim was denied and closed because I authorized the transaction. I called wells fargo and XXXX today XX/XX/XXXX, and requested to contest the decision, but was told it was final and there was nothing else I could do by both parties. Because the funds could not be reversed, they would not be reimbursing me. I explained that the authentication process was so identical to Wells fargo 's that there must be something they could do to help but I was told there was nothing else they could do for me.

I am very much hoping that there is some way to be reimbursed these funds. Or that I may be able to contest their claim decision with proof of the processes I went through for this scam. My XXXX claim number is XXXX. My wells fargo claim number is XXXX.