davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the XXXX reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX 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 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I went to Wells Fargo and I deposited a check for XXXX dollars. Wells Fargo now is saying that they can't release the funds.I know the funds are available.I believe they are keeping my funds from me illegally.
Consumer complaint received 2023-04-13
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
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. (FL)

The company called XXXX Wrongly placed a late payment on my account in error. A representative from the company told me over the phone on XX/XX/2023 and XX/XX/2023 that they are having this with a lot of other students and that for me to dispute with the bureaus because its faster and they notated their accounts as well. I attached the letters that came from them about the mistake. They are calling the late " interest rate freeze ''. PLEASE REMOVE THAT LATE OFF ALL 3 BUREAUS REPORTING FROM THE COMPANY CALLED XXXX. IT WAS AN ERROR ON THEIR END AND I DO NOT WANT IT SHOWING UP. ITS AFFECTING MY CREDIT!
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I paid my XXXX  card in full in XX/XX/2023. They had just sent it to a collection agency. XXXX is not reporting my credit card paid in full on my credit report. I have tried to contact them, but get someone with a foreign voice that doesn't understand what I am asking for them to do. I have disputed this 3 times with all three credit bureaus, and they will not update my credit report. This is now causing me to be denied from renting an apartment.
Consumer complaint received 2023-05-27
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. (PA)

According to the fair credit reporting act 15 USC 1681 section 602A, states there is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and their respect for the consumers right to privacy XXXX and XXXX are consumer reporting agencies that I am a consumer. I have the right to make sure my private information isnt shared, which is back by 15 USC 6801 which states it is the policy of the Congress that each financial institution has an informative in continuing obligation to respect the privacy of its consumers, and protect the security and confidentialities of those consumers nonpublic, personal information furniture of the information to credit agencies the financial institution in consumer reporting agencies, XXXX and XXXX do not have my consent to finish this information, and they surely do not have my written consent any and all consent XXXX XXXX or XXXX XXXX furniture of information to credit agencies, whether it be verbal, nonverbal, XXXX, implied or otherwise is revoked 15 USC 1602 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure ( furniture of the information to credit agencies ) I was never informed of my right to exercise my nondisclosure option not only that 15 USC 1681C ( a ) ( 5 ) states except is authorized under subsection B, no consumer reporting agency, make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item, and they are reporting again without my permission place is against the law 15 USC Statu , 1681S 2 ( A ) ( 1 ) state a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is an accurate. 15 US code 1681 E. State every consumer reporting agency, tell me maintain reasonable procedures, design to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 feet of this title XXXX, XXXX, and XXXX XXXX Im not maintaining rreasonable procedures. Also 12 CSR statute 1016.7 states that. any consumer me exercise the right to opt out at any time I am opting out of your reporting services. Thank you. 
XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CCS Financial Services, Inc. (FL)

I am a victim of credit fraud on XXXX accounts that I did not open. XXXX XXXX XXXX XXXX XXXX All-State  XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

Im still being charged XXXX $ every month from XXXX XXXX even though Im not a member of XXXX XXXX  anymore for more than 6 months now. I keep getting over draft fees because I do not want to keep money in my account because it will get taken every month for a membership I dont even have.!! XXXX XXXX in XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (ND)

On XX/XX/XXXX I had a hose break under my dishwasher while we were gone and cause water damage to my home. I called my insurance company and reported the damage the following day. After waiting 22 days, XXXX XXXX XXXX sent me a check for the repairs of my home, for {$8100.00} which I received on XX/XX/XXXX. After being in constant touch with Pennymac, since the date of the flood, I had all of my required paperwork submitted and received by PennyMac. Upon receiving the check for repairs, I called Pennymac to find out what their procedures were with regards to me mailing them the check so that it could then be sent to my contractor. Per instructions, I overnighted it along with a prepaid overnight envelope for return. 
Upon verification that Pennymac had received the check, I called to remind them that per the signed contract submitted by my contractor, he was requiring 50 % down. 
The signed contract had been submitted on XX/XX/XXXX. Pennymacs own website states that it can take UP TO 3 business days to process documents. However, upon realizing that they had missed this, on the XX/XX/XXXX, they rejected the signed contract on the XX/XX/XXXX they rejected my contractors business license. Then they decided to send his XXXX to the IRS for proof of identification. On Monday, the XX/XX/XXXX, I was told his XXXX was being held up because it did n't have his home address. This was corrected and uploaded, and today I was told that his XXXX needed to have both company and personal address. 
Let me add that my home is in forbearance and potentionally refinancing. When I informed Pennymac that from hence forth, all calls were going to be recorded by me, I was flat out told that Pennymac forbids recorded phone calls and I was then told " your home is in foreclosure, so what does it matter ''. When I informed them it was unlawful to move a home into foreclosure without informing the buyers, and to XXXX how well that worked out for XXXX XXXX, a Pennymac spokesperson called me back and assured me that there had been a mistake ; my home was not in foreclosure. In the mean time I have been without a sink, a single cabinet or floor in my kitchen and my basement remains gutted.
Consumer complaint received 2023-06-27
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} ; XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  Balance : {$1200.00} ; XXXX XXXX XXXX  Balance : {$350.00} ; XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (OH)

I went to a local location of XXXX XXXX to get an estimate about a dental procedure that would cost several thousand dollars. They offered me the financing option to open a XXXX XXXX credit account. I did not want to select the financing option, but before I knew it, I received a letter informing me that an account with a credit limit of XXXX  had been opened with XXXX XXXX in my name. 

When I called XXXX XXXX and visited the location in person, their office XXXX, XXXX, said their computers were down. I checked back two or three times over the course of two weeks, and their systems had still yet to be repaired. 

I also called XXXX XXXX, and they said that they need to investigate. However, if I did not make the minimum payment, then I would be subject to late fees and interest payments.
Consumer complaint received 2023-05-05
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: SYNCHRONY FINANCIAL (CO)

Hello there, a person applied for credit cards using my information and I ended up getting XXXX inquiries yet I didnt apply for these. This person applied to XXXX different banks within a short period of time. I called all the banks already though this didnt help as much. XXXX told me this was my other solution.
Consumer complaint received 2023-06-05
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2023-06-05
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. (IN)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 2023-06-05
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. (WI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (IL)

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 this account ( A ). It is not permissible to fail to validate this reporting account 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 Balance : {$3600.00}.
Consumer complaint received 2023-06-05
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-06-05
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. (PA)

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 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 2023-06-05
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 formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

Bankruptcy XXXX XXXXXXXXdismissed XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.