davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Ive contacted XXXX, Experian, XXXX repeatedly by phone and letter, disputing the inaccuracy of the Bankruptcy information that they have listed and asking XXXX, Experian, XXXX, how it had verified the statement. The source-disclosure did not provide accurate reporting, and reinvestigation provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681g ( a ) ( 2 ), 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), to a credit reporting services actions. Ive requested that this information is either corrected or removed.

I have provided proof from the courts to show the Bankruptcy Court Docket did not reflect the information listed on credit file.

Section 1681i ( a ) ( 1 ) concerns a consumer reporting agencys general obligation to reinvestigate information a consumer disputes as inaccurate or incomplete in his or her credit report. 
XXXX, Experian, and XXXX continue to violate various FCRA provisions by persisting in publishing this report and failing to follow certain of the FCRAs procedural notice requirements. 
The FCRA was enacted in 1970 amidst concerns about the accuracy of information disseminated by credit reporting agencies. If a reporting agency willfully fails to comply with any requirement of the FCRA, it may be held liable for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer, as well as potentially for punitive damages. 15 U.S.C. 1681n. If a reporting agency negligently violates a provision of the FCRA, it may be held liable for actual damages arising from the violation.
Consumer complaint received 2023-09-17
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. (SC)

I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX  account XXXX for TransUion, XXXX, and 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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect.

( iii ) it states that no changes should be made to a charged off account.

I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in Board where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them.

Thank you in advance
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 i noticed 3 {$200.00} for a total of {$600.00} charges posted to my account from XXXX XXXX, ca. I live in XXXX, ca and i have charges posted.on that same day. I had previously requested a new card and these new charges were made with my new card without being activated. I didnt even have complete account number to complete. Wells Fargo told me in 10 days o would have my money back. On XX/XX/23 they told me that the case was closed and i was not getting my money back. I want to know how i can go about getting my money back from wells fargo.
Consumer complaint received 2023-09-17
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. (GA)

This Person ( XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
Consumer complaint received 2023-03-06
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.
Consumer complaint received 2024-05-16
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. (PA)

According to FCRA 605B, it seems necessary to eliminate any erroneous accounts from my credit report. Could you please examine the documents? Some of the accounts listed exhibit inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-05-16
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation (TX)

Vehicle was illegally repod. Many items were stolen from said vehicle, including items that can never be replaced as they were given to me by my now deceased parents. Company needs to compensate me for these stolen items and the issues the illegal repo has caused in my life, also remove their lies from my credit report. Company, Bridgecrest, can not provide documentation that backs anything they claim up. I however have provided documentation that proves I was making payments up until the end of XXXX and then XXXX was to be deferred. This was per their own representatives. All Bridgecrest has done is verbally refute what they actually did, with no real documentation nor proof to substantiate it. 
Thank you.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE XXXX  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. 



Open Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 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 2024-05-16
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. (PA)

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, including incorrect amounts and dates.
Consumer complaint received 2021-02-16
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. (MD)

Hi how are you safe I hope Im filing my complaint against. Experian every time I check my credit score it dont never change and that causes me problems. XXXX and XXXX. I have fair scores Experian always poor why. Thank you hope you find out why
Consumer complaint received 2019-05-08
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XX/XX/2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.
Consumer complaint received 2023-11-06
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: Westlake Services, LLC (FL)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
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: Global Lending Services LLC (FL)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : XXXX XXXX bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Global lending service XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Global lending service XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XX/XX/XXXX
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VI)

USAA closed my credit card account without proper notice on or around XX/XX/XXXX. This cancelled my access to XXXX credit card points. When I called to inquire, the woman on the phone said I had 90 days to use points after a credit card was closed. However after a credit card is closed, you lose all access to those points. When I mentioned this, she apologized and said she would let her superiors know. I asked to speak to someone above her and was placed on hold for XXXX minutes at which time I had to go back to work. No one has called me back or sent an email/mail. I still have not received a letter stating my credit card was closed. 

In addition, USAA continues to be the number one advertiser under the XXXX search " business credit card ''. I have attached documentation.
Consumer complaint received 2023-11-06
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 (NV)

On XX/XX/23, I woke up to go to work and tried to check my account online. I was not able to login so I reset my password. Once I was able to access my account I noticed I had 4 Atm withdrawals with four {$2.00} fees I did not authorize and my bank account was drained with - {$12.00} balance. The first withdrawal was made for {$500.00}. The 3 other charges were made for {$400.00}. I only made one withdrawal at XXXX for {$400.00} on XX/XX/23. I checked to see if my debit card was in my possession and it wasnt. I called Chime to dispute the charges. I was told from the representative that I could not dispute the charges if they are still pending. They would have to clear before I can file a dispute. The only thing he could do was cancel my debit card and issue me a new one. I checked the next day to see if the charges cleared and they did. I called Chime to file my claim. I was told I would have to wait 10-45 days for their investigation team to investigate my claim. On XX/XX/23 I got an email from them saying they have concluded their investigation and no error has occurred. I called them again and I asked if they could send me documentation on why my claim was denied. The representative told me she will send the information to this investigation team but it may take 10 days for a reply. She offered to file a rebuttal for my claim as well and I agreed. The next day XX/XX/23 I received an email for their final review and they determined no error has occurred. On XX/XX/23 I received an email for my request of documentation that was used to deny my claim. The email included only the information I provided them via phone call and the charges I disputed. Nothing else. They gave me insufficient evidence and no supporting documents on why my claim was denied.
Consumer complaint received 2023-12-19
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: CITIBANK, N.A. (CO)

Today is XX/XX/. Since XXXX XXXX, I have been trying to get Citibank to refund three clearly fraudulent charges on my account to no avail. I noticed three suspicious charges on my account. I called to report them, and Citibank promptly issued me a new card. I thought the matter was closed until I received an email on XXXX XXXX stating that they believe the charges to be legitimate based on evidence provided by the merchant. I called again and asked if they could send me a copy of the evidence they were provided, and I was told I'd have it in my email in 24 hours. By the next evening, I had not seen anything, so I called again. I was again told I would have it in 24 hours. I logged into my account and found that I could pull up the evidence myself in their dispute center. Not once did a representative suggest that as an option. I downloaded the pdf documents ( please see attached ) and quickly realized that the " evidence '' was flimsy at best. 1 ) The web address the merchant provided does not exist : XXXX XXXX XXXX. 2 ) I am not associated with the email address the merchant claims I used, XXXX. The irony of " lost XXXX '' is not lost on me. 3 ) the merchant 's IP address originates in XXXX XXXX, XXXX, XXXX. Additionally, Citibank told me that my credit card was not physically present at the time of purchase, and that they agreed the discrepancies I provided were compelling. All this clearly spells out fraud to me, but here it is three months later and I'm having to fight to get any sort of movement out of Citibank. My last interaction was this evening... I told them they could have until end of the next billing cycle before I submitted a complaint here, but I've subsequently changed my mind. This is ridiculous.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.