davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
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. (NV)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

Lexington law is what happened.

They dooped me into debt with them. Asking for money up front. I payed XXXX upfront for credit report and then they started going into my account trying to take more money from me. I started with them in XXXX and quickly canceled in XXXX when they took XXXX XXXX from my XXXX XXXX card without my consent. I'm a poor XXXX man on food stamps. I'm unemployed. And have personal medical issues as well.
Consumer complaint received 2022-12-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX  Balance Owed : {$330.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXXXXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$1700.00}. I noticed that these accounts started reporting erroneous information I need it to stop now!
Consumer complaint received 2022-12-23
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: EQUIFAX, INC. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (GA)

Weeks Fargo closed my account back in XXXX, & XXXX due to me being out of town using my card at an atm they didnt recognize in Florida . I explained to them thatsI was out of town with my kids and I was trying to withdraw funds from the atm and it locked my card and closed my account in the process of such transaction. I never received money from my account being closed for neither year.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (GA)

I have collections on my consumer report that is against the law. As determined by Congress, the credit reporting agencies are all in violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ) Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and close end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.
Consumer complaint received 2023-06-06
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: OneMain Finance Corporation (PA)

I have five hard inquiries that I would like removed from my report that still seems to appear on my credit report that inquiries are : One main financial, XX/XX/XXXX OneMain financial, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Also I have misspelling in my name in my personal information settings, and misspelling in my address also along with additional wording on to my name or address areas of the information provided for me that are incorrect. 
Also I had a card that recently closed that I am unaware of why it closed, XXXX XXXXXXXX XXXX  which impact my credit report as well as far as my credit age. 

Also it seems to me that most institutions such as XXXX XXXX and XXXX XXXX have late updates as far as payment history and other reported updates and I've been having problems with my XXXX XXXX XXXX not being up to date with the payments as well so the reports are being updated pretty much late.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chester County Auto Finance Inc (PA)

In XXXX of 2020 I initiated a dispute with XXXX on my installment account with Chester County Auto Finance and XXXX XXXX XXXX dealership in Pennsylvania. I initiated the dispute because of the " balance/amount owed '' information was wrong on my report. This was a current installment car loan. Due to the creditors not responding to the dispute within 30 days the account was removed from my report which caused my score to drop almost XXXX points at the time and lose credit history and payments. I reached out to the creditor Chester County Auto Finance and the XXXX XXXX XXXX dealership. Throughout my conversations with them over the past 2 years, they have refused to report my account standing to XXXX. The creditors have told me everything from that I must report the account to the credit agency, that they have already reported the account, they can't report the account, I must send a formal letter for them to report the account amongst others. I made over XXXX on time installment payments after the dispute including very large payments to pay the loan off early. The XXXX on time payments over XXXX years on a $ XXXX loan that was paid off early was never return to my credit report and is still not on there over 18 months after the loan was paid off. This has caused negative effects on my credit score, credit report, credit history, and my potential on getting loans and better interest rates.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

I was banking with chime back in XX/XX/2022 they closed my account for whatever reason I wasnt notified about my account I informed the company that my account has been hacked TWICE! They told be me to send in the documents that was required which Ive done MULTIPLE TIMES! and I still dont have the money that is owed to me from when they closed my account the amount that is due is {$250.00} Ive contacted them through their 24/7 support chat no response this has been going since XX/XX/XXXX which is when my account closed it now XXXX and I still dont have my money
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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 an account without my written instructions.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to 15 USC 1666b - Billing Error, I expect appropriate rectifications.
Consumer complaint received 2022-12-22
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. (TX)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (MD)

Equifax failed to properly investigate these unauthorized used of my credit report by way of hard inquiries by companies. A dispute was submitted and was falsely stated to be investigated in less than a day.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

( XXXX XXXX XXXX attained a copy of his credit report after applying for an educational loan that was based in part on this particular collection account reporting a debt owed for an unpaid balance on an auto policy. On or about XX/XX/XXXX XXXX contacted a representative employed through a collections agency understood as ( Caine and Weiner ), as reflected on his three major credit bureaus personal profile via the contact information that is displayed beneath the amounts and account information. On or about XX/XX/XXXX XXXX spoke with a representative of this aforementioned debt collection company named XXXX XXXX and asked numerous questions with regards to the account and the reported information at issue herein. She stated that the debt was incurred for coverage that existed and was in place from XX/XX/XXXX to XX/XX/XXXX, and that it was for a two car policy. The cars and respective VINs associated with this policy are as follows ; XXXX XXXX XXXX, with VIN ( XXXX ), and XXXX XXXX XXXX, with VIN ( XXXX ). During the conversation with XXXX XXXX, XXXX asked her numerous questions, where at one point she became belligerent, circular, combative, evasive and redundant ; not answering the question. XXXX repeatedly asked how the debt accumulated, and she stated it occurred for non-payment from XX/XX/XXXX to XX/XX/XXXX. XXXX stated that this could not be possible as auto insurance policies cancel well before a near three month lapse in payments. XXXX asked again how the debt accrued and she repeated the same information, indirectly answering the question and slurring her speech. XXXX is not equipped nor willing to reconcile a debt with this collection agency if they are unable to verify how the debt accumulated and in the face of his demand and request, as afforded through consumer rights laws, that reporting of negative information cease immediately, be removed, all relative information be provided per his request consistent with the debt amount being asserted against his credit profiles with the three major consumer credit reporting bureaus ( XXXX, XXXX and XXXX  ), and that a negotiation or mediation prior to legal action be undertaken so that the debt is truly appreciated for what it is and reconciled from their appropriately without underhanded extortive tactics being utilized to manipulate money from XXXX by asserting a bizarre undue amount against his credit profile information with the three major credit bureaus.
Consumer complaint received 2022-12-22
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. (MD)

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, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX 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 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 2024-03-31
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. (FL)

accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXX violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NJ)

I logged in into my online banking on XX/XX/2023 and noticed several unauthorized transactions on my account, so I proceed to lock the card and requested a new one. 
I tried to reach customer service many times without success to report those transactions as fraud. 
My card was lost, didnt have the pin written on it and I didnt allow someone else to use my card. Also I never did business with them in the past. 
Attached goes the 2 screenshots with the unauthorized charges.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (MA)

I am a victim of identity fraud. Someone wiped out about {$100000.00} from my XXXX XXXX account by opening accounts in different banks and transferring money from the bank. XXXX XXXX XXXX XXXX was one of the bank where part of fraudulent money was transferred. Bank did detect it as a fraud and put hold on the account when fraudster has opened the accounts. However, bank did allow the fraudster to do the bank transaction before account opening requirements were met like proofing documents. I have notified the bank of the fraud and transfer of funds to the bank. Also provided copies of police report and identity theft report. Talk to them couple of times to close the accounts and mark them as fraudulent. However, bank is keep asking for the money which I never received from them. Now they are trying to collect the money. Please see all written attached communication with the bank and reports provided to them. Also attached debt collection notices.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

This company is terrible. Besides having a security breach which resulted in millions of files being released and a class action lawsuit, and having lawsuits against them from the government for deceptive practices, they have the XXXX customer service. XXXX XXXX XXXX XXXX and we discovered that XXXX of his bank accounts which we didn't know about was being cleared out by crooks. We resolved that issue and got the money back. The bank suggested we run a credit report on him to discover any other unknown accounts. I did exactly as the XXXX credit unions require, supplying a death certificate and XXXXXXXX XXXX XXXX proof of me being executor. I received a credit report from XXXX, am awaiting XXXX from XXXX and have just spent the last XXXXXXXX XXXX on the phone with TransUnion who had written me on XX/XX/2022 that I did not provide the documents. ( XXXX ) XXXX time I called, I went through the whole computer verification process only to be told the offices are closed. Okay, why not start with that before spending XXXX XXXX going through verification. ( XXXX ) Called back the XXXX XXXX the representative did find the documents on the system and said she was transferring me to the proper department and then hung up on me. ( XXXX ) Called back again and XXXX representative started off by saying the department is closed. I asked their XXXX and after clicking through a bunch of screens she said until XXXX XXXX. I pointed out that it was only XXXX XXXX at that time. So she changed the story and said they close at XXXX XXXX. Called back XXXX agent says the department is open until XXXXXXXX XXXX XXXXXXXX and transfers me. The guy there says they can't see the seal from the XXXXXXXX XXXX XXXX on the copy I sent. Huh, it's embossed and doesn't come out on a copy. There were no requirements about seeing the seal and apparently the letters were sufficient for their competitors. I'm not about to send them an original. He transferred me to another department, I was on hold with music for XXXX XXXX and now the music has stopped and XXXX XXXX later the call hung up. I'm convinced they send people to a dead line and eventually people hang up. This company should be put out of business.