davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-03-02
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. (AZ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bepensa Capital, Inc. (TN)

Credito Real USA / AFS Acceptance financed my auto loan in XXXX XXXX XXXX. I never received a copy of the Agreement or any paperwork. I have made all payments on time and started asking for the agreement and a copy of my payment history in XXXX XXXX XXXX I could not get it until over a year later ( XXXX XXXX ) after I refused to stop calling them in order to get it. Found out car had frame damage and wasn't told about it in XXXX XXXX when it was serviced for an alignment. I got 3 different auto shops to verify this information and sent it to Credito Real immediately. All 3 auto mechanic shops stated if I have frame pulled it could total the car and none of them wanted to perform the job for safety reasons. Credito Real agreed by phone in XXXX XXXX  to settle my loan for {$6000.00}, I owed almost {$9000.00}. A few weeks later ( XX/XX/XXXX ) while I'm at the car dealership they tell me they wont take less than {$10000.00} and that I owe {$12000.00}! Shows {$8000.00} on my credit report and i can not seem to get financed for a new car with this situation going on. I have a 28 % interest rate and have been a great payee. I would like them to honor the {$6000.00} agreed payoff so i can get a safe reliable car to get to and from work in.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

When they did send me something it was not verifiable as it was only a transaction history report that is vulnerable to fabrication and alteration. 

Refusing to process my chargeback reversals that me and the merchant lucky creek agreed to and if intentionally stalling the arbitration process and refusing to accept the documents I have provided numerous times Also refusing to file the chargeback requests for another merchant chumba casino who through no fault or authority by me debited my account many many many times.. 
I notified both of these merchants of my identity theft reports and police report case numbers in regards to this matter and they refuse to put these matters into arbitration or supply me my funds back and this has been going on since XXXX so. XXXX I need federal investigation done regarding these matters immediately and any time loss pain and suffering and other damages that can be awarded to me for this blatant disregard for my rights and the regulations set forth in the different laws and acts for these specific circumstances.. I ask for max penalty enforced unto chime for this stressful harmful and dangerous situation they have put me and my family in from this.. I am XXXX and I have rights as a citizen I only ask to have these rights protected and fully defended and the burden and cost be put onto this monstrous evil company
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (VA)

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Account : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but XXXX and Equifax are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Consumer complaint received 2024-05-14
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. (FL)

A certified letter was sent to XXXX XXXX  who issued a credit card in my name to an unknown address : XXXX XXXX XXXX, XXXX, XXXX, GA XXXX. Apparently, the credit card was used and not paid. XXXX XXXX  reported this delinquency to the agency under my name. I never lived in XXXX. The Credit Reporting Agencies used this report to negatively affect my FICO score.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OH)

I am writing regarding my accounts that have been put on hold now since XX/XX/2023. Please be on the lookout for an email from the FDIC. The E-Fraud now has it in their hands, and not only will they not speak to customers they have not responded to the local branch managers email for an update. I do know that they can not just hold onto my money by law. Let me explain my accounts the first one that I was given the account number that is account number # XXXX. This account is an account that not only has my XXXX money, but also my XXXX XXXX money. This money is used to keep us housed and to support my XXXX XXXX. The second checking is an account my school money goes in. 
My savings account is where the questioning should be at as I know it is a large amount of money. Let me explain, I helped with a job, and she deposited money it was in my chime at the time. XXXX never told me that they suspected fraud. When my account was closed the remaining chime mailed me as a check. I then opened the US Bank account and I was not told when I was paying these employees that sending the wire-transfer in payments would make it suspected of fraud. If I would have been told go to the local branch and send it all then I would have. The person who had me sending payments told me that at the time he was an employee of XXXX XXXX. If you need proof of the original person who deposited the large amount in my chime account I have her name, address, and phone number.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2024-05-14
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. (MO)

XX/XX/2024 I contacted XXXX XXXX XXXX Card holder for the XXXX XXXX ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
XXXX XXXXXXXX XXXX XXXXXXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.
Consumer complaint received 2024-03-01
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX 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 a account without my written instructions 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

I received an email on XX/XX/2023 from my Loan Servicer Mr. Cooper in a form letter that was also sent to thousands of others stating that on XX/XX/XXXX Mr. Cooper became the target onf a Cyber security incedent. the letter went on to state that Mr Cooper took immediate steps to lock down their systems in order to " keep your data safe ''. 
The rest of the form letter went on to state that as a parent company they are working as to fix the issue as quickly as possible ; and that I would not in cur any fees, penalities, or negative credit reports. There was a link alsop given and I was encouraged to visit the site. 
Today however they have released a memo stating that one can make their mortgage payment via phone mail one-time web payment XXXX XXXX or a XXXX 
Due to my age ( XXXX ) a fixed income and all of this inconvience I am relunctant to do anything other than use the US mail and write a check ... ... .will there be anytype of retrobution to all of us that were affected? What about mine and all others personal information ie credit and bank accounts that may or maynot been compromised? 
XXXX XXXX
Consumer complaint received 2023-05-17
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. (TX)

XXXX of XXXX, I realized my identity had been stolen, they been using my name to receive phones, money, everything. I report the situation to everybody, DOJ, crime victim, FBI, etc, with no help, these people have taken control of my identity, they stay connected to my phone. They won't stop.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon review of my most recent credit reports with ( Experian, XXXX, & XXXX ) I noticed address that DO NOT belong to me, nor have I ever lived at these addresses. I believe them to be of fraudulent activities and demand that they be removed. 

The address which I do not recognize are as follows : XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl. XXXX
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am formally complaining against CAPITAL ONE BANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted CAPITAL ONE BANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE BANKstand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (AL)

I used Citi to do a balance transfer to XXXX XXXX for {$5000.00} back in XXXX of 2023. Citi said they send them a check for {$5000.00} but XXXX XXXX said they never received it. Citi has sent me a copy of a check which I have sent to XXXX XXXX. I have given both companies permission to to speak to each other and both say the other is at fault. This has been 10 months now with no resolve. Now both companies say I own them {$5000.00}. Citi still charges me a minimum payment. I don't see how in this day and age one of these companies can't figure what happened. Now a {$5000.00} debt turns in to a {$10000.00} debt because both are saying I owe them {$5000.00}. It is a nightmare. 
Any help would be greatly appreciated