davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Consumer complaint received 2023-12-26
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. (FL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Breaus has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my Experian, XXXX and XXXX credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
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)

A few weeks ago I sent letters to all XXXX  credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-12-26
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. (NJ)

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 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 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Chime : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX United States. 

Regarding my Chime Account : # XXXX On XX/XX/2023, I used an ATM that must have had a skimmer device in it. I was a victim of Identity Theft and Grand Theft from my Chime Checking account. After the thieves obtained my debit card PIN number, they went to a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  and took out increments of {$1000.00} out via XXXX XXXX XXXX {$5200.00} to their XXXX XXXX account name " XXXX '' and sent the money to themselves to phone number XXXX. Then they went to the ATM at the same XXXX XXXX XXXX XXXX XXXX XXXX and took out increments of {$400.00} out of the ATM totaling {$3100.00}. 

I noticed that my account was getting low and I locked my card and called Chime and reported the unauthorized charges on my account. Chime assured me that the unauthorized charges on my account would be reversed and I would receive provisional credit within 24-48 hours. 

Later that day XX/XX/2023 I went to the XXXX Police Department and filed a police and reported the unauthorized charges on my account. 

Chime was well aware of where the unauthorized charges on my account took place. 

The XXXX Police Department said they would send a police officer out to gather the surveillance video from the graveyard shift and trace the phone number that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Next Chime closed my checking and credit accounts, saying that they needed to be closed for security reasons and that I would get a check mailed out to me in 10 days for the provisional credit. 

Meanwhile, I call every day to get the status of my dispute and my provisional credit. I am now starting to move into financial hardship due to the fact that Chime will not reverse the unauthorized charges to my account. Now Chime is telling me XXXX ; y 2023 is when I can have my provisional money back. 

Meanwhile, Chime has closed all access to my accounts through online and the app. 

The situation has gone from bad to worse. So I called the detective that is working on my case and he told me to report Chime for not returning my money from fraud. I am now out {$8300.00} due to fraud and unauthorized charges on my closed Chime account. Someone help!
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PR)

I paid my student loan through AidVantage on time on XX/XX/XXXX  and it reported a late payment on XX/XX/XXXX  affecting my credit score. It's extremely difficult getting ahold of them.
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)

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: 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. (GA)

I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OH)

In XX/XX/XXXX, I entered into a repayment agreement with XXXX XXXX XXXX XXXX to repay Macy/Department Stores National Bank charges in the amount of {$25.00} a month. XXXX sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. XXXX stopped sending the reminders on this account and will not tell me the status of the Macy 's account. I have asked XXXX for an accounting. XXXX representatives are unable to locate the account under their specific reference number, the last four digits of the Macy 's account number, or any of my personally identifiable information, including my social security number. XXXX representatives indicated that Citigroup is the holder of Macy 's accounts and advised me to contact Citigroup. Representatives at Citigroup could not find the Macy 's account number referenced on the XXXX monthly reminders for which I have paid {$25.00} monthly for over 4 years. 

I have another Macy 's account that I am paying monthly to XXXX, which began in XX/XX/XXXX. XXXX is still sending monthly reminders on this account. XXXX representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular Macy 's account. XXXX representatives indicated that this is the only account they have serviced. Citigroup representatives verified this account is under my name. 

Monthly reminders on both Macy 's accounts are attached to this complaint as evidence that XXXX was withdrawing funds for both accounts.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

XXXX is reporting inaccurate Names addresses as well as multiple account that I have disputed. As well they are allowing inquiries from XXXX XXXX and and other without any authorization. All credit bureaus are reporting and damaging my consumer report and my life. I do not understand why no one is protecting me ....
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-26
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/2022 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2023-12-26
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I am writing to complain about two checks that I deposited in person with Bank of the West in XXXX XXXX, CA on XX/XX/22 and XX/XX/22. It has been almost 6 months since my first deposit and the funds have not been credited into my account. I have made numerous visits, phone calls and sent emails in an attempt to understand where the funds are or to have the checks returned to me to no avail. No one has been able to provide me with the status of my check deposits. I have included below my XX/XX/22 email to the relationship banker who opened my account and her response and also attached copies of the Bank 's internal form " Outgoing Collection Receipt '' showing my deposits. I am hoping that you can assist me in the collection of the XXXX euros  ( {$3800.00} ) deposits. 


For additional background, on XX/XX/22 I opened a checking account with the Bank of the West and deposited {$1.00} cash and a check made out to me for XXXX euros  with instructions that the monies were to be converted into USD and then deposited into my checking account. Even though the deposits were in euros, I was assured that this was ok since the bank 's was owned by the XXXX bank XXXX XXXX and that they would handle the currency conversion. I made another check deposit to this account from the same vendor on XX/XX/22 in the amount of XXXX euros for a total deposit sum of XXXX euros ( see attached " outgoing collection receipts '' ). The Bank has recently been sold to BMO Harris Bank N.A. Member FDIC. 


Other than these two deposits, there has been no activity with the account and no record of these deposits being made into my account. Additionally, I was recently notified that my account was overdrawn ( see attachment ) and the Bank is requesting a deposit to cover the overdraft amount due to a {$9.00} service charge. This matter further concerns me as it states that unless I make a deposit, my account will be in default and notice of the default will be sent to a collection agency which will negatively impact my current excellent credit rating. When i log into my checking account, there is no record of my deposits totaling XXXX euros ( XXXX USD ).
Consumer complaint received 2023-12-26
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)

I trust this letter reaches you under favorable circumstances. I am writing to express my deep dissatisfaction and concern regarding the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX , TX XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-12-26
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. (AZ)

I just looked at my consumer reports and noticed a number of account i'm a victim of Identity theft.. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I am not connected to these accounts and did not provide written consent to report the account : XXXX XXXX - Account # - [ XXXX ] XXXX XXXX - Account # - [ XXXX ] XXXX XXXX- Account # - [ XXXX ] XXXX XXXX- Account # - [ XXXX ] XXXX XXXX Account # - [ XXXX ] XX/XX/XXXX XXXX XXXX- Account # - [ XXXX ] XXXX XXXX- Account # - [ XXXX ] XX/XX/XXXX Inquires- XXXX XXXX  XX/XX/XXXX Inquiries- XXXX XXXX XXXX  XX/XX/XXXX Inquiries-XXXX XX/XX/XXXX Please investigate and provide proof with statements showing that these accounts are mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these accounts to be removed as they not mine.
Consumer complaint received 2023-12-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

AN Account has been reported onto my credit profile under a name in which I have never entered an agreement with. As you can see on my report I have never lived in this complex /rental property. I requested the debt collector to send debt verification and they did not do so and now they have illegally reporting this on my credit profile.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (PA)

This is my third 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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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)

Experian, There is wrong personal information on my Experian credit report - I need to have that fixed as soon as possible as its damaging my ability to obtain credit. 

Attached to this complaint are : - my written and signed complaint - my drivers license, social security card, and address
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-07-04
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. (NJ)

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.