davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (CA)

This is NOT a fraud complaint. Do not place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a XXXX party ) or it MUST be removed immediately.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I disputed inaccurate information on my report. The three credit reporting agency ' s will not remove them. It is starting to look unfair to minorities. No matter what you prove to them about their mistakes such as name, wrong bad address, and things that should not be on my report. closed accounts with no balances they will not remove.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

As XXXX XXXX I wrote this letter to equifax I am writing this letter to request that Equifax Information Services LLC report XXXX current credit information to credit reporting agencies as required by law, and to inform you that your failure to report my credit information may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Adverse Action Laws, as established in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite having multiple credit accounts and a credit history, my current credit information is not being reported by Equifax. This is causing my credit score to be lower than it should be, and it is impacting my ability to obtain credit and other financial services. In addition, your failure to report my credit information may be in violation of the Adverse Action Laws, which require that you provide consumers with a notice of adverse action when you deny credit or take other negative actions based on information in their credit file. 
In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Supreme Court held that adverse action under the FCRA includes " a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, among other things. The Court further held that an adverse action notice is required whenever adverse action is taken, and that the notice must include certain information, such as the specific reasons for the adverse action, the credit score or other credit information relied upon, and the consumer 's right to obtain a free credit report from the reporting agency. 
Therefore, I am requesting that Equifax update my credit file to include my current credit information and any other relevant information, so that it accurately reflects my creditworthiness. The following are the details of my account ( s ) that I believe should be reported : [ List the name and account number ( s ) of any credit accounts that you believe should be reported ] I have enclosed a copy of my government-issued ID and proof of address for verification purposes. Please let me know if you require any additional information to update my credit file. 
I appreciate your attention to this matter and request that you take prompt action to report my current credit information as required by law. If I do not hear from you within 30 days, I will be forced to take further action, including seeking legal counsel to ensure that my rights are protected. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$130000.00}
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent MULTIPLE letters. Starting in XXXX and I have YET to receive any type of validation. I have sent several through certified mail and regular ( started in XXXX of XXXX and I sent my last XX/XX/XXXX ) Over this period of time I have yet to get anything from this collection agency. XXXX XXXX XXXX. I do not even have an account number for the said account.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2024-04-09
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)

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. 

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 2023-09-06
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. (CA)

This is my OTHER 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX XXXX XXXX # XXXX has violated my rights.

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 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX that lives at XXXX XXXX XXXX XXXX XXXX XXXX  is doing fraudulent activity and is scamming credit cards, scamming into many different bank accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more bank accounts it has to be investigated on behalf of my own accounts being scammed. 

money has been missing from my personal accounts and I want to report it immediately This issue have to be resolved before anymore accounts gets scammed.
Consumer complaint received 2024-04-09
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

The Car was totaled, insurance company paid 95 % of the loan. Resting amount since i had no gap was XXXX. I made a payment plan to pay off at XXXX per month. So it would give me time to atlease save for another vehicle. For my understanding the payment plan is to pay off past or future due amounts in payments. ( Witch i think is accurate ) and they agreed. XXXX payments have been made. But the company after 1 months still decided to mark my credit as DELINQUENT for the pass due amount. My credit score when down XXXX points. Is this Legal?? If i made the payment plan why would they still send me to credit??? I want to report this company as a misleading and a Scam. They do not help out with credit at all.
Consumer complaint received 2024-04-09
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-09
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. (IL)

Experian is reporting information that is fraud.XXXX XXXX is on my Experian account BOTH auto and credit card. Both needs to be removed XXXX XXXX XXXX 1, This information has been reinserted multiple times ( XXXX ) 2, Never received proper method of validation ( never received a XXXX  day notice ) 3, The last date of activity is incorrect and being updated ever month ( XXXX ) 4. XXXX XXXX is not reporting to ALL three credit reporting agencies. 

XXXX XXXX XXXX 1. This information has been reinserted multiple times ( XXXX ) 2. Never received proper method of validation ( never received a 5 day notice ) 3. XXXX XXXX is not reporting to ALL three credit reporting agencies. 
4The last date of activity is incorrect and being updated ever month ( Fraud ) Its been a year and Experian has not complied
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

It has come to my attention that my credit account with you remains compromised. Despite submitting an FTC fraud report # XXXX, it appears that items are not being removed. On XX/XX/XXXX, following the purchase of a credit report from XXXX I discovered unverifiable information on my personal profile. The presence of charge-offs, collection accounts, and inquiries continues to adversely affect my credit records. Regrettably, despite my consistent efforts, which include monthly credit report purchases and ongoing disputes through XXXX XXXX, no remedial actions have been taken on your part. In response to a call to your department, I was advised to submit a written request along with a copy of the identity theft report ( FTC report # : XXXX ). I have had no transactional history with the items listed below. Therefore, I urge your assistance in promptly removing the charged-off collection accounts and inquiries, along with correcting inaccurate information on my personal profile. Enclosed with this written request are copies of my Proof of Billing, Drivers License, and Social Security ID. Please address this matter expeditiously. Kindly delete the following fraudulent items : -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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)

I CALLED IN REQUESTED OLD ADDRESSES TO BE DELETED FROM MY CREDIT REPORT. ON XX/XX/2023, I RECEIVED AN UPDATE FROM EXPERIAN THAT XXXX ADDRESSES WERE REMOVED. THE XXXX Card IS STILL REPORTING LATE PAYMENTS WHICH STILL VIOLATE THE TIMING OF PAYMENT. I ALSO DID NOT GIVE EXPERIAN PERMISSION TO REPORT ANYTHING THAT IS CAUSING ME TO BE UNABLE TO USE MY UNLIMITED CREDIT.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

XX/XX/2024 @ XXXX PST : Received a welcome email from Chime.com. I did not create this account. 

XX/XX/2024 @ XXXX PST : Received email from Chime.com with a direct deposit form attached. The name on this direct deposit form is not a person I am familiar with. 

XX/XX/2024 @ XXXX PST : Received email from Chime.com that a debit card was being shipped. I am not familiar with the address shown in this email. 

I believe my email and possibly social security number have been used to open this account. 

I have contacted the company but have not received a response.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK (PA)

on XX/XX/XXXX I ordered a glass panel from XXXX XXXX XXXX  for {$190.00} on XX/XX/XXXX That order was delivered by XXXX in a broken state to a neighboring house on XX/XX/XXXX I emailed the the third-party support team for XXXX XXXX XXXX XXXX provided photos and subsequently went through several weeks of back and forth waiting for the support service to get confirmation from XXXX XXXX XXXX  to issue the refund. This resolution never occurred and no alternate resolution path was provided. 
on XX/XX/XXXX I issued a chargeback request with Discover, my credit card provider. 
on XX/XX/XXXX Discover sent an email stating they found the dispute in my favor on XX/XX/XXXX Discover sent an email stating they were happy to let me know that they are continuing the investigation. 
on XX/XX/XXXX I received an email from Discover saying a secure message needs my attention. That message stated that the investigation was closed in favor of the merchant and that my chargeback was reversed. 
on XX/XX/XXXX or thereabouts, I provided email and photo evidence to Discover that demonstrated the merchant had not attempted a resolution and was ignoring the requests from their support team. 
on XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX with the BBB. Within one day of the complaint posting, XXXX XXXX XXXX had responded stating that they issued an XXXX. That XXXX was never sent with regard to the broken item but was a prior response in a request to cancel the order. 
on XX/XX/XXXX I called Discover and the woman from the dispute center said she would escalate the reevaluation of this case. 
on XX/XX/XXXX I reached out to Discover over their online support messaging system and was repeatedly told they would not do anything else to resolve this without a document from the merchant stating that a refund was due. They confirmed that receiving broken merchandise qualifies as a service quality issue that is covered by their dispute resolution process but that their agreement only guarantees they will investigate and not that they will find in favor of the cardholder.
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MST Financial Services, L.L.C. (ID)

Chapman Financial services has been attempting to collect on a medical bill with discrepancies from the originator. I have requested for Chapman Financial services to provide us detailed Summary of services statement and a final invoice amount that was sent to collections. I have requested this in writing XXXX times. I sent letters of dispute. Chapman Financial services has not acknowledged our Letter of dispute and request for documentation. 

Additionally, Chapman Financial Services continues to contact my husband 's employer, despite written demand on XX/XX/2023, to not contact his employer. The company continues the unwanted contact of his employer.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MI)

On XX/XX/XXXX of this year I made a deposit to Navy Federal credit Union from a check that was written for me from my mechanic from XXXX XXXX  XXXX. Upon following the bank directions and making a mobile deposit to Navy Federal, I signed the check and wrote on the back of the check for Navy Federal credit Union mobile deposit only as instructed. 
After making my mobile deposit, The check written out to me was apparently stolen and got someone elses hand and that person cashed it at XXXX XXXX XXXX. 

Im not sure how XXXX XXXX XXXX was able to cash it without my identification and it was written out to me and already deposited to Navy Federal. Navy Federal took the funds back from my account and left my account overdrawn. 

At this point, I do not know which bank to blame. 

I know that XXXX XXXX stole my check and banks with XXXX. I do not know how he was able to take my check and cash it. 

Now my account is overdrawn and everything I have is gone. I do not know how Im going to survive the next few weeks as this was a check written for me to get another car for transportation
Consumer complaint received 2024-04-09
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. (AL)

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 XXXX Bureaus, XXXX, Experian, and XXXX.