davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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. (GA)

This credit reporting agency refused to investigate my dispute which is a violation of the FCRA section 1681i ( a ) ( 1 ) ( A ). I provided the credit reporting agency with all my personal information needed for the dispute, but I received a letter stating they will not take any action on my request. Clearly my rights were violated.
Consumer complaint received 2023-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

i payed them XXXX dollar and only owed XXXX late fee or payment due to being XXXX they sold my note and my loan payoff went fron XXXX to over XXXX and they forclosed both wells fargo and company that took loan never payed town taxes and charged me for them, i paided town over XXXX in late tax payments. they are both criminal.
Consumer complaint received 2023-11-13
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
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. (NJ)

I noticed a credit inquiry from XXXX  XXXX XXXX on my credit report dated XX/XX/23, which I did not authorize. There is an initial fraud alert on my credit report.
Consumer complaint received 2023-11-13
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. (OH)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
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. (CT)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-10
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: Atlanticus Services Corporation (MI)

I was looking to buy a house and notice I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damnages on your credit report and is a defamation to you character
Consumer complaint received 2023-08-31
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. (NJ)

I XXXX XXXX notice some unauthorized inquiries appearing on my credit report I have attached supporting documents and a photo Id below. 

1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BE REMINDED BY THIS VIOLATIONS/LAW ALSO : According to 15 U.S.C 1681 section 602 A , I'm entitled to privacy rights. Additionally, 15 U.S.C 1681 Section 604 A Section 2 prohibits a consumer reporting agency from providing an account without my written consent. Furthermore, 15 U.S.C 1681c. ( a ) ( 5 ) stipulates that consumer reports can not include certain adverse information beyond a seven-year period from the date of the report, except for crime convictions. Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it's prohibited to provide inaccurate consumer information to any consumer reporting agency knowingly or with reasonable cause to believe it's inaccurate.
Consumer complaint received 2023-11-13
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

WHATEVER THE ACCOUNT IS : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-13
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (MA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
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)

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission and Consumer Financial Protect Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I demand that you comply with the disputes letters that I have sent to you.
Consumer complaint received 2023-11-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XX/XX/XXXX I experienced identity theft as my vehicle was broken into and my purse and other personal possessions were stolen. It wasnt until XX/XX/XXXX that I had been notified that my bank account with Bank of America had been frozen due to fraud. When the incident happened I closed all credit cards and requested existing bank accounts to issue new cards that I had. Bank of America has listed my account as XXXX and when provided with all the documentation they stated that I could not go through them I had to go through XXXX to have the fraud removed. Because of the XXXX charge. This has been an ongoing battle as my identity has been compromised and now an entire year later of fighting this matter XXXX still unable to get a bank account. If it wasnt for having XXXX already for my business I would be stuck. I have tried fighting this with XXXX and each time they indicate that Bank of America is keeping the status. This is not only unfair but I have never been in a position to where any of my accounts have been flagged as potential fraud. I need help this has been a huge issue for me due to this matter not being handled. The credit Breuers have worked with me they placed all my credit reports on extended fraud, my credit card companies were able to freeze any transactions, however this XXXX particular bank has made it extremely difficult to get anywhere with this. I even went as far as saying I would pay for a charge that was not mine so that I could have this information removed they would even declined that. Please can someone look into this matter as this is going on farther than it should and I just need the right information or person to help me along with this process. Thank you
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with FCRA XXXX  accounts # XXXX # XXXX Has violated my rights along with the following companies due to inquiries ( attachments ) 15 U.S.C. 1681 section 602 A. states I have the right to privacy 15 U.S.C. 1681 section 602 B. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/2023 I made a withdrawal for {$210.00} ( not including fees ) using my Chime card at XXXX XXXX XXXX. When I went to do this no money came out of the ATM but my account was still charged for a total of {$210.00} but no money was dispensed ; only a receipt with the error code, dispensed amount ( {$0.00} ) and the amount requested. Ive done several rebuttals since then, Ive called the ATM company to which I was told to direct chime to call them, Ive provided them with the receipt to back my claim, I even filed a complaint with the XXXX. When I filed the complaint to the XXXX they reopened my dispute but it still says denied on my app. I just want my refund this has caused massive distress on my life.
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: KEYCORP (MA)

I had a very low and manageable car payment with Key Bank. I paid it over the phone each month without incident. Then in summer 2022, I called in to pay. After I received notice that payment wasnt received. I tried called to pay again via phone. The same result. This happened once again. Finally the company admitted the person taking the payment had made a mistake with the account numbers all these times. However, it was too late to do anything except pay the entire balance of the loan. It is documented that they made errors with the account numbers. I never had {$6000.00} which is the balance of loan. They repossessed my car. My credit is ruined over a {$260.00} car payment and a clerical error. I desperately tried to get any other resolution from Key Bank but no help.
Consumer complaint received 2023-11-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I am writing to formally express my deep concern and dissatisfaction regarding the recent credit reporting issue that has significantly impacted my credit score. The purpose of this communication is to file a formal complaint and seek resolution for the reported debt, which I believe is unjust and has negatively affected my financial standing. 

Background : I resided at XXXX XXXX XXXX for a period of XXXX years. Upon the expiration of my initial lease, my wife and I applied to renew the lease, and the property manager initially agreed to the renewal. However, in the final week before the lease expiration, we were informed that we were required to move to a larger two-bedroom apartment with a higher rent of {$1600.00} due to the presence of our infant daughter in the family. Feeling left in limbo, we reluctantly searched for alternative housing and vacated the premises before our lease expired. 

Subsequent Issues : Following our abrupt departure, there was a complete lack of communication from the property manager. Unexpectedly, my wife 's and my credit scores were adversely affected by the reporting of a debt that we had no prior knowledge of. Notably, the debt collector failed to contact us before reporting the negative credit score, leaving us blindsided by this detrimental impact on our financial profile. 

Current Actions Taken : Upon discovering this issue, I promptly contacted the collection agency on XX/XX/XXXX to address the reported debt. However, to date, no tangible action has been taken to rectify the situation. The credit reporting date, XX/XX/XXXX, indicates that the negative credit entry was made XXXX XXXX after our relocation from the apartment. 

Request for Resolution : In light of the circumstances outlined above, I am formally requesting a thorough investigation into this matter. I kindly ask for the following actions to be taken : Validation of Debt : I request proper documentation validating the legitimacy of the reported debt. 

Dispute Resolution : I ask for your assistance in disputing the inaccurate debt reporting with the relevant credit reporting agencies. 

Explanation and Rectification : I seek a clear explanation for the reported debt and the subsequent negative impact on my credit score, along with appropriate measures for rectification. 

Communication : I request open and transparent communication regarding the resolution process and any further actions required on my part. 

I trust that you will address this matter promptly and fairly. If necessary, I am prepared to seek legal counsel to ensure that my rights are protected and that this issue is resolved in accordance with applicable laws. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Apple Card - GS Bank for violating the following consumer financial protection laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices in connection with the provision of consumer financial products or services. Apple Card - GS Bank engaged in such practices by failing to clearly disclose the terms and conditions of the credit card agreement, resulting in confusion and harm to consumers.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires financial institutions to provide accurate and timely information to consumers about their accounts. Apple Card - GS Bank failed to do so by inaccurately reporting credit card activity, leading to negative consequences for consumers ' credit scores and financial well-being.

3. 12 CFR 1006.34 ( d ) : This regulation prohibits financial institutions from engaging in unfair practices that harm consumers. Apple Card - GS Bank engaged in such practices by imposing arbitrary fees and penalties on cardholders without proper notification or justification.

4. 15 USC 1681-S2 ( 7 ) ( A ) : This statute protects consumers from unfair or deceptive practices in connection with the collection, use, and disclosure of consumer credit information. Apple Card - GS Bank violated this law by mishandling and inaccurately reporting consumers ' credit information, causing harm and confusion.

I have attempted to resolve these issues with Apple Card - GS Bank directly, but have not received a satisfactory response. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate and address these violations.

I am requesting that the CFPB take appropriate action against Apple Card - GS Bank to ensure compliance with consumer financial protection laws and to provide restitution to affected consumers. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX