davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (CO)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX Charge-off {$1000.00}
Consumer complaint received 2023-04-19
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. (MO)

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. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
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. (NY)

My Experian credit score dropped over XXXX points from XXXX to XXXX. It states that I have either a serious delinquency, which I do not, or a derogatory comment. I have my credit report in front of me. It states number of accounts with this is 1. I have no idea what this is? I have an immaculate credit report. 66 pages of extraordinary payments ect. There has to be an error. When I ask them to please tell me what the derogatory comment is, they won't! I'm not sure how to investigate or contact anyone to fix it, not knowing what is going on. I had a XXXX XXXX  and thought it was possible XXXX XXXX. I called them and they said yes something seems off, but I received not response from them. However, Experian said they have settled it, but nothing changed. So I'm not sure if that had anything to do with it or not. It's very concerning, becuase I have had excellent credit for 50 years and for there to be something that I can't even get information on is frustrating. Isn't there a phone number to call that someone can see my credit report and tell me what is on there that is incorrect? 

Thank you!
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo closed my personal checking account on XX/XX/22 for reasons they described as a suspected fraudulent activity. Wells Fargo claimed a recent transaction which had been credited to my account was unauthorized and had to close my account as part of its policy. I immediately got into contact with them and tried to explain the situation and why I believed it was not a fraudulent transaction but all my efforts were in vain as they still insisted on closing my account. I was told I would receive a cashiers check in the mail for my remaining balance which was a little over the {$5000.00} at the time. 
I waited for 30 days, called them, and they claimed they were still investigating my account and that it could take up to 60-90 days to be concluded. I waited 60 days, then 90 days and called them again but this time they claimed my funds " were not payable to me ''. I asked to speak to a manager or anybody of higher authority and I was told my funds were not payable to me because there was no trace of a direct deposit to fund the account to prove I worked for the money I have in my account. I tried to explain to them again that I was only an XXXX XXXX and that I was not permitted to work. Therefore I am financially sponsored by my sponsor, family and family relations whom whom usually transact money to my account through XXXX, XXXX XXXX and other means which is why my account is dominantly funded through XXXX and XXXX XXXX transactions but they wouldn't listen. Its been over 21 months and I still haven't received the money I had in my account at the time of closure. To resolve this, I would like my balance of over {$5000.00} to be mailed to my address immediately as initially promised by Wells Fargo bank.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (IN)

The credit card company ( Revvi ) was reporting the month of XXXX XXXX  as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with XXXX  and provided documentation showing the reversal for 2 late payments. XXXX gave me an update claiming the merchant ( Revvi ) validated the late payment. I then contacted Revvi and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted XXXX to inform them of Revvis response and they had me file another dispute with the same documents as the last. It seems neither XXXX or Revvi can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.
Consumer complaint received 2023-09-07
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: Northwest Collectors Inc. (IL)

these are unauthorized inquiries on my credit report from the following companies that i would like removed. information as follows cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX, I received a payroll check and proceeded to deposit it into my USAA checking account via my mobile banking app. I was then given an error message stating I could not do so and that I needed to deposit my check via ATM. I deposited my check via USAA ATM, and I was given a posting date of the same day if made by XXXX or the following business day if made after XXXX which would have been Monday, XX/XX/XXXX. On XX/XX/XXXX I still did not have access to my funds so I called USAA and the representative stated that my funds would be available on XX/XX/XXXX. On XX/XX/XXXX my funds were still not available, so I called back, and the next representative stated that I would now have to wait until Saturday, XX/XX/XXXX, to access my funds. I wasn't even given a reason as to why my funds are being held over the original posting date, despite USAA receiving and clearing the deposit as of Monday, XX/XX/XXXX. Since I deposited my check, I have received NSF/OD fees on my account due to my funds not being available as promised. Due to the fees that were applied, my account is now in the negative, and I have spoken with 5 USAA representatives, but none have provided a solution or any explanation.
Consumer complaint received 2024-04-07
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. (NJ)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (AZ)

Ive reached out to XXXX several times advising them of the address that XXXX has reported to the collection is not valid the collection agency asked my my current address in Arizona and updated the debt to reflect my home which has no relation to the original debt which is illegal Ive always stated the debt is not mine and four five years this company keeps. Clawing at me. XXXX has removed the debt every time they reattach it to me and it takes 30-45 to cure every time they due it. XXXX how every believes that this practice is legal and valid and its illegal.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-07
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. (CA)

I am writing to file a formal complaint regarding the inaccurate information on my credit report, which I previously reported to Experian on XX/XX/XXXX. However, I have not received any response from them to date. I kindly request your assistance in addressing this matter. 
Below, I have outlined the details of the inaccurate information on my credit report, along with the required corrections : Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Request : Please correct this inaccurate information on my credit report as this account was never late. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please correct this inaccurate information on my credit report as this account was never late. 


Inaccurate Account Information Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Request : The reported balance of {$7300.00} is higher than the amount I remember. Additionally, as this account is closed, the past due amount should not be provided. I intend to address this misleading data with the creditor directly. In the meantime, please mark this account as disputed while I work towards finding a resolution. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} Request : The reported balance of {$42000.00} is higher than the amount I recall. Furthermore, as this account is closed and charged-off, the past due section should be removed. I plan to discuss this matter with the creditor to clarify the reported data. Please mark this account as disputed until the appropriate corrections are made.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA (TN)

This account was supposed to have been closed in XX/XX/XXXX by my ex husband. I never knew of this credit card until we filed divorce in XX/XX/XXXX, at this time I learned there was an account in my name although I never opened this nor even held the credit cards. XXXX XXXX,, my ex husband opened this account and also added himself to this account as a secondary user. Since we were divorcing, he paid all final balances and it was settled and supposed to have been closed after divorce. I called in XX/XX/XXXX when I learned he reopened the account and asked for cards to be mailed to an address I have never lived at. I immediately called and told FNBO we are divorced, NO accounts should be opened in my name, NO cards should be sent out and confirmed there were NO accounts. I was told NO, and tthis was recorded. A few days later, my ex called and said he wanted ANOTHER address on file and asked for cards to be mailed there. The fact that i called and said we were DIVORCED and there should be NO cards in my name was disregarded and cards were mailed out to MY name but not my address, nor was I notified. My ex husband proceeded to use these new cards and I called SEVERAL times to remove myself, had him fill out release of responsibility forms and he even called and stated he wanted to transfer them to his name solely. I went to XXXX XXXX and informed them of this as well. FNBO had me pay a balance of {$670.00} and told me as long as I paid that balance and his account was up to date, that they could file the paperwork to remove me. I have spoken to fraud and several departments and have failed to get myself removed from this fraudelent account. I told the agent XX/XX/XXXX that we were divorced and that I was making sure NO more accounts were opened and I wanted all closed, so there should have NEVER been cards mailed on multiple occasions to my EX husband. I have spent hours upon hours trying to get this resolved since this was fraud yet FNBO refuses to remove me even though they have on recording and paper that he takes responsibility for this account he opened without my knowledge and fraudently.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (SC)

This account was place on my credit reporting without my knowledge. The company could not provide me with any information. 15.U.S.C 1681S ( 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 2023-08-16
Product: Credit card or prepaid 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. (IL)

Case ID XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$370.00} Dispute Date : XX/XX/XXXX Dispute Amount : {$190.00} XXXX opened a disputed for {$190.00} on XX/XX/XXXX. Citi Bank resolved the dispute in my favor on XX/XX/XXXX but has failed to credit my account for the disputed amount of {$190.00}. 

It has been 357 days since the dispute was initiated. It has been XXXX billing cycles since the dispute was initiated. It has been XXXX billing cycles since the dispute was resolved. Citi Bank has still not credited my account the disputed amount. 

I emailed XXXX on XX/XX/XXXX asking them to credit my account. This was 9 days ago. Till this date they have failed to credit amount. 

I really hope CFPB and FTC investigates on Citi Bank for fraudulent activities. I highly doubt that the Bank is complaint with all consumer rights and regulations. This is not the first time they have shown fraudulent behavior and have intently defrauded me and stripped me of my rights.
Consumer complaint received 2023-09-07
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. (KY)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, an unauthorized transaction was made on my XXXX account for {$1900.00} dollars. The transaction was labelled as XXXX XXXX XXXX I did not become aware of the issue until several days later. I reached out to XXXX and my bank about this issue. Chase Bank is in the process of conducting an investigation into the issue. So far the bank has given me provisional credit, but they have not made the funds permanent.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (IL)

This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


NAVY FCU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX NAVY FEDERAL CR UNION Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX NAVY FCU XXXX XXXX