davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (LA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (MN)

I am a member of the Financial Institution Navy Federal Credit Union, and according to them someone or somehow of unknown forces has infiltrated my bank account loosing my debit card privileges for XXXX  year. effective XXXX XX/XX/year>. This company thinks I arbitrarily allowed other companies that I associate with that I allowed the cybercriminals access to my bank account, which I did not do, thus because of several incidents with this company I allowed to have this done. I do not and I repeat I do not give out any information about me, nor do I provide these criminals my social security number and any other pertinent information about me or my family.
Consumer complaint received 2024-04-24
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. (PA)

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 ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

The issue is with XXXX XXXX. A fraudulent account was opened under my name in XXXX of XXXX. I've spoke to XXXX XXXX numerous times on the phone, spoke with their fraud department, went into a XXXX XXXX store and verified my identity in which the store manager then pulled up the number and the name of the person who did open the account. 

I've reported the account ( now in collections ) to all of the credit bureaus, as well as XXXX different collection agencies. They keep transferring the account to another collection agency after I tell them it's a fraudulent account, and they know by law they can not contact me about the debt any longer. These collection agencies have also now started to contact my family as well, who have nothing to do with the situation or the account, and whose names are not assigned to the account or the collection. 

XXXX XXXX keeps telling me that I have to file a fraud report and submit the report to their fraud department in order for them to do an investigation which is ridiculous because I've literally went into a store and verified my identity etc. This might as well be harassment at this point as it's been over 2 years since they account was opened and now over a year since I originally did everything they've asked me to do in order to report the account as fraudulent.
Consumer complaint received 2023-09-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WESTERN OHIO MORTGAGE (CA)

I was selling a property in XXXX, OH. I had an offer put in on XX/XX/23. We had almost XXXX times the closing was pushed back, due to the lender not being transparent with any information. My realtor would call the lender XXXX XXXX XXXX Western Ohio Mortgage XXXX and he would not answer or return any phone calls. When we were finally set to close, we reached out to the buyers realtor about closing the following business day and she said we should have confirmation on Monday ( we reached out on friday, closing was on monday was well ). we never heard anything, i called title and they told me that the lender also is non responsive with them he does not answer phone calls or emails, with XXXX updates. We come to find out that the buyer had spent his funds needed to close for the down payment. According to the realtor, her buyer spent the money and was waiting for gifted funds and said that the lender knew about this and should have reached out. Mind you we find this out day of closing. Fast forward, the lender again is not answering the phone, the realtor is saying we can't do anything ( this is after 2 months of waiting and i also fixed everything per inspection report ). I came up with a plan to save this deal for me, lender and both realtors to put up some of the funds to help close. After lengthy discussions we all agree except for the lender. The 3 of us put up {$1800.00} each to give the down payment to the buyer. Lender says will close the same week, again he goes MIA and non responsive, title company says he doesnt reach out or answer again. They dont have a closing date or any clear to close. At this point i am frustrated, i have lost a ton of money to interest, helping with down payments etc and this lender is non responsive. We are going on 3 months now. I get in touch with the owner and she tells me that " this happens and i should have never did a 2nd appraisal to fix a few things and sold the home for XXXX XXXXXXXX less than what i was selling for '' I did my appraisal and fixed up some things to raise the value of the home in less than a week, this should have not caused a 3 month delay. ON top of this, the appraiser said that she would only charge us {$200.00} to do the 2nd appraisal, Western Ohio Mortgage charged me {$800.00}, because their buyer did not want to pay again.

Fast forward, i am in contact with title almost everyday and at one point they tell me that XXXX said that " we will close when we close, just wait '' We finally closed and XXXX and his team thought this was a complete joke, the owner and him both need to be reprimanded for how this was handled. XXXX XXXX license needs to be looked into and suspended at that, this guy and his office are terrible. 

this loan closed XX/XX/23, 3 months to close without no explanation. my original settlement was XXXX XXXXXXXX give or take i walked away with close to XXXX XXXX
Consumer complaint received 2024-06-10
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. (NV)

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 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (SC)

My credit card number was stolen and used on XX/XX/year> to open a fraudulent XXXX account ad purchase {$880.00} in tickets. The thief used my personal information and my email address to open an account. I noticed the email traffic and charge on my card on XX/XX/XXXX and contacted Barclay to report the fraud and close the card. Barclay removed the charge and issued a new card, but then they reinstated the charges on XX/XX/XXXX becuase the identity thief used my personal information when creating the fraudulent account. The tickets were bought and sent to the thief through XXXX using my email address, but XXXX has no information on the identity of the person who stole the money from me. XXXX has no active customer service phone number and emails have gone unanswered.
Consumer complaint received 2024-04-24
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. (OH)

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-24
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-04-23
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. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

On or about XXXX/XXXXXXXX I recieved a welcome letter from XXXX XXXX that my credit card account had been approved through TD Bank. I had not applied for this credit card and upon contacting the bank ( TD Bank ) I found out that someone had opened a fraudulent account in my name and made purchases of XXXX products for over {$3000.00}. I immediately opened a Fraud Case and and was told by TD Bank that a resolution to the issue would be finalized by XXXXXXXXXXXX. On XXXX/XXXXXXXX I contacted the bank for a response and was told that the Fraud claim had been closed because they never recieved a signed affidavit from me which they claimed was mailed out XXXX/XXXX/XXXX. I never received the affidavit letter in the mail until yesterday, XXXX/XXXXXXXX. On XX/XX/XXXX I received an email from a Team Lead at TD Bank and was told that the affidavit could be signed and emailed back to them and that the case would be re-opened with a new expected resolution date of XX/XX/XXXX. I emailed the signed affidavit back to the Fraud Department on XX/XX/XXXX. I then emailed them on XXXX/XXXXXXXX, XXXX/XXXXXXXX, XXXX/XXXXXXXX, and XX/XX/XXXX to ask for confirmation that the signed affidavit was recieved in good order and that they were working on the issue. I finally received an email from the Fraud Department today, XXXX/XXXXXXXX that the affidavit was recieved and the expected resolution date is XX/XX/XXXX.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (OH)

XXXX XXXXXXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXXXXXX on XX/XX/year> about a automobile loan I have paid off, that wasnt reported as charge off as the credit bureau is reporting that the account is listed in charge off with a balance the account # XXXX I informed XXXX XXXX the credit bureau are reporting this account as listed as charge off with a balance, I spoke to XXXX  XXXX employees XXXX and XXXX they both informed me that this account wasnt reported as charge off with a balance but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Experian, the credit reporting company, has systematic policy and procedure failures in verifying and protecting the identity and credit reports of consumers. The agency should investigate for misconduct and/or to hold the credit reporting company accountable towards common industry practices already implemented by the other two credit reporting companies. 

Simply providing an individuals full name, full social security number, and zip code is sufficient to gain access to a consumers Experian account. An identity thief can then hijack the account to add fraudulent information or unfreeze the consumers credit report to initiate a fraudulent credit inquiry. 

Furthermore, their membership support representative are not properly or consistently trained on identity verification of consumers. Having called on three different occasions I encounter two different lax identity verification methods. It is no surprise an identity thief was able to gain access to my account, lock me out of my account, and unlock my credit file in order to initiate a fraudulent credit transaction. 

I hope the CFPB or a plaintiffs law firm can investigate their practices. The failures on Experians behalf in my experience are not unique to me, but systemic to millions of consumers who reply on the credit reporting agency for the integrity of their credit report.
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX  regarding their failure to provide verifiable information to credit reporting agencies, resulting in inaccurate reporting on my credit report. Despite my attempts to dispute the information, XXXX XXXX XXXX XXXX has failed to furnish accurate details, thereby adversely affecting my creditworthiness and financial standing. 

On XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed a dispute letter to the address listed on my credit report XXXX XXXX XXXX XXXX XXXX TX XXXX, requesting clarification and verification of the information pertaining to XXXX XXXX XXXX XXXX. However, to my dismay, the letter was returned to me as undeliverable. This indicates that XXXX XXXX XXXX XXXX  has provided incorrect or outdated contact information to the credit reporting agencies, making it impossible for consumers like myself to communicate effectively with them. 

Enclosed with this letter, please find a copy of my original dispute letter, along with the returned mail envelope, as evidence of XXXX XXXX XXXX XXXX  's failure to furnish accurate information. This demonstrates that XXXX XXXX XXXX XXXX is not fulfilling their obligation to provide verifiable information to credit reporting agencies, thereby violating my consumer rights.
Consumer complaint received 2024-04-24
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. (TX)

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have recieved a 1099-C for the accounts listed here : ( Account numbers XXXX, XXXX, XXXX, XXXX and XXXX ). After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b.

I demand these accounts to be removed from my credit report immediately.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (CA)

First of all. They closed my account when i reported the unauthorized transactions. They added funds to account that was closed and i was unable to use the provisional credit. Then they sent the closure check to the wrong address and claim it was cashed. I was never given any provisional credit and how is there no error when i caught the person that did those transactions and also got a confession from them and turns out they are also a chime member. I did the investigation for Chime handed them the evidence and still they say theres no error. I spoke to the merchants where those transactions took place and asked them if anyone asked about these transactions in question and all of them said i was the only one that had inquire about them. ALL I WANT IS MY CLOSURE CHECK AND BE RIDDEN OF CHIME. THEY CLAIM TO SEND A CHECK BUT THEY SENT IT TO THE WRONG ADDRESS. I ALREADY SUBMITTED A POLICE REPORT TO THEM REGARDING THE CHECK. CHIME ARE LIARS, THIEVES, AND SHOULD NOT BE ALLOWED TO DO BUSINESS THEY AUTO DENY CLAIMS JUST LIKE XXXX XXXX XXXXXXXX DID. THEY DONT ACTUALLY CONDUCT AN INVESTIGATION!!! I HAVE THE EVIDENCE THAT PROVES IT!! ALL MY SAVINGS WAS STOLEN AND I CAUGHT THE PERSON THAT DID IT AND THEY CONFESSED AND CHIME SAYS THERES NO ERROR.!! IF THE CFPB CONDUCTS AN INVESTIGATION ON CHIME THEY WILL SEE ALL THE LAWS THEY ARE BREAKING!!
Consumer complaint received 2023-09-15
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 XXXX 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
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. ()

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I had credit fraud an my information has been compromised to XXXX an Experian I am asking for all the inquiries be removed I dont own no car loans let alone if you see they keep going to same dealer or keep applying online or however they do application XXXX so many inquiries it had been taking for ever to get off my credit I can appreciate a letter saying or asking all XXXX credit bureaus to remove all inquiries from my report cuz XXXX XXXX ask to finally contact yous an let you know I never been to dealers i have credit card I never received or had my only credit is XXXX XXXX XXXX XXXX bank as far at horseshoe credit anything else is not mine I like for inquiries to be remove Thankyou Im to old already Im am working with all XXXX bears to get this nightmare resolved as try make sense best as seeing XXXX XXXX if the word dont make sense my plans are this resolve an then freeze my credits I can be reach at my email XXXX XXXX