davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WATERSTONE MORTGAGE CORPORATION (OR)

On the closing disclosure at the bottom of page 5 it stated you do not have to accept this loan because you have signed or received this form. I notified Waterstone Mortgage the day after signing that I did not want the loan. In spite of this the loan was processed in a regular fashion as if I had never informed them of the fact that I wanted to cancel. An attempt to cancel this has dragged on since signing on XXXX XXXX XXXX I signed 8 to 10 documents prior to the closing disclosure even though it was stated the closing disclosure was the first document to be signed. I have retained all the emails that were sent to the company since XX/XX/ and could forward any of these if requested.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Hello, I noticed two duplicate charges on my account on XX/XX/2023, with Chime Bank and reported them to Chime on XX/XX/2023. I never authorized or recognized these charges. After almost 2 months, I received a email from Chime stating " no billing error occurred '' leaving me to pay for these fraudulent charges. Incidentally before these charges went thru, Chime sent me a txt msg saying " someone tried to use my card but they blocked it 5X before they let these fraudulent charges posted to my account even tho I never authorized them. I had nothing to do with those charges yet they determined that I am liable. How is this? This was not the first time I noticed unauthorized duplicate charges post to my Chime account. I am adamant about getting my money back and need your help please. I believe Chimes customer base has been compromised and they are aware of it, but do nothing. Please don't let Chime steal my money.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (TN)

One Main Financial calls repeatedly all XXXX  long and XXXX. XXXX  alone I received XXXX calls from them. XXXX I received XXXX calls. I have communicated when I get paid and that I can not pay right now but will get them caught up as soon as possible. The constant calling is harassing.
Consumer complaint received 2023-10-18
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 XXXX XXXX XXXX. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-10-18
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. (LA)

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 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 2023-02-25
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: JPMORGAN CHASE & CO. (NJ)

I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting incorrect dates of negative items being opened. From First premier bank, XXXX XXXX and World finance company. There has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Can you delete these accounts because they are negative and are not mine? 
XXXX XXXX XXXX XXXX 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. Equifax, XXXX and XXXX on XX/XX/XXXX and every 30 days up until presentXX/XX/XXXX. I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.
Consumer complaint received 2020-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I used XXXX XXXX to wire money to a friend to place an order. Later that day I was informed by my friend that he could not place the order so he returned the money using XXXX XXXX. I was alerted by XXXX XXXX that I had the money in my account. I selected to have the money transferred to my bank ( Wells Fargo ). When checking my Wells Fargo checking account a week later I noticed that the money was not in my account. I then requested that was Wells Fargo look into this matter, so I put in a Claim with Wells Fargo. I received a formal letter from Wells Fargo stating that there's nothing that they can do and that they claim was closed. I requested a from XXXX XXXX to speak to a person on the phone as to receipt of posting the money to the Wells Fargo account and I received nothing from Wells Fargo. I made several attempts to reach XXXX XXXX XXXX  by way of email phone texts and I have not received anything from them. I also reached out to my friend to provide proof that the money was taken out of their account and wired to me by way of XXXX XXXX. the proof that I currently have is text messages back and forth to my friend and documentation provided by XXXX XXXX on my cellular phone. I also have documentation where Wells Fargo withdrew the money the next day but did not provide me a refund on my account. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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. (FL)

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.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Re-Investigation Dispute Letter Regarding Collection Complaint Dear Sir/Madam, I am writing to request a re-investigation of a collection complaint that I previously submitted to the Consumer Financial Protection Bureau XXXX CFPB ) regarding XXXX XXXX XXXX the collections company, and their association with the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
On XX/XX/year>, I filed a complaint with the CFPB ( Complaint ID : XXXX ) outlining my concerns about the collection practices of XXXX XXXX  in relation to an alleged debt originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my efforts to resolve this matter directly with XXXX XXXX, I have not received a satisfactory resolution or validation of the debt in question. 
I believe that there are inaccuracies and discrepancies in the collection process and reporting by XXXX XXXX, which warrant further investigation by your office. Specifically, I am disputing the validity and accuracy of the debt they are attempting to collect from me. 
I respectfully request that the CFPB conduct a thorough re-investigation into this matter to ensure compliance with all relevant consumer protection laws and regulations. I am seeking clarification on the following points : *Verification of the debt 's validity and accuracy. 
*Documentation proving XXXX XXXX  's legal authority to collect on behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Any supporting evidence or documentation related to the alleged debt. 
I appreciate your attention to this matter and trust that the CFPB will conduct a fair and impartial review of my dispute. Please provide me with updates on the progress of this re-investigation and any findings or resolutions reached. 
Thank you for your prompt attention to this request. I look forward to a swift resolution of this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Web Source Market LLC/DBA Collection Shield 360 (IL)

On Monday XX/XX/XXXX I called XXXX XXXX to cancel my membership with them as I knew the nest time I'll be billed was coming up soon. It was a 45 minute wait I was on my 30 minute lunch so after 30 minutes of holding I hung up. Well I got off early on this Friday XX/XX/XXXX and I called XXXX XXXX back and waited 30 minutes finally a rep answered and stated that since I signed up with Collection Shield 360 ( A free service ) that I have to cancel through them. At that time I was told that they're closed that the ONLY way I could cancel the services is via email. The rep gave me the email address. I immediately email them. Now I noticed I had a pending charge of {$9.00}. The rep stated that they'll give me a refund. 

Now I've had Collection Shield 360 before and it was a free service and they used your XXXX XXXX credit reports to do the disputes on your behalf. When I signed up this time you're forced to sign up with XXXX XXXX in order for them to do the disputes for you for free, in which it's not free it's a gimmick. Free is free. 

Well today someone name XXXX responded back to me. I never been so made with a unprofessional rep. The way she responded back she should be fired off GP. She doesn't serve a purpose. The refund is only {$9.00} this woman responded like I was asking for her to give it to me from her banking account or her prepaid card. I'm writing a letter you don't talk to people like that as we're the reason that she has a job. All correspondence are attached.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MS)

I sent a letter on XX/XX/2024 to XXXX XXXX XXXX to opting out if my information being shared with any person, entity, or institution and to be effective immediately and indefinitely!!
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (NC)

I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency XXXX XXXX XXXX and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however XXXX and EQUIFAX Continue to state that the account meets FCRA guidelines and the account has been verified. XXXX XXXX XXXX has never proved this debt belongs to me legally, as to why it was removed from Equifax, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency XXXX XXXX XXXX and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however TRANSUNION and XXXX Continue to state that the account meets FCRA guidelines and the account has been verified. XXXX XXXX XXXX has never proved this debt belongs to me legally, as to why it was removed from XXXX, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Acceptance Account # XXXX To whom it may concern, Thank you for taking the time to help me get this corrected. 
I purchased a new vehicle ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX and I financed it through Credit Acceptance. Unfortunately I fell behind on my payments due to XXXX XXXX and had 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Since the late payments were due to work shutdowns due to XXXX XXXX, I was told that as long as I continued to make my payments on time that my account would be reported as current, XXXX XXXX, or no information provided. In order to protect my credit I continued to make all the payments on time and even paid off the loan early on XX/XX/XXXX. Unfortunately Credit Acceptance reported and still is reporting that my account was severely delinquent throughout XXXX and XXXX on XXXX, 3 late payments on XXXX, and zero late payments on XXXX. All 3 reports are reporting different information from Credit Acceptance concerning my account. This is not only inaccurate, it is unlawful. They are required by law to only report true and accurate information. Due to these inaccuracies, I have experienced more expensive auto insurance, higher credit card rates, and I am unable to purchase a home. I need this corrected as soon as possible. Thank you.
Consumer complaint received 2023-05-26
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. (TX)

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 update them immediately in my 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
Consumer complaint received 2023-10-18
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. (NY)

PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX