davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXX, I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and several inquires including XXXX XXXX XXXX XXXXXXXX XXXX, the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX has violated therefore the collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am on the phone with a representative and he issued a new card and reported a fraudulent charge. As I'm attempting to make the payment which is due on XX/XX/2018 so today I noticed a {$39.00} late fee charge. I asked the representative why is there a late fee when today is the due date. Even if they are going by eastern standard time since it is XXXX XXXX. my time it isn't even the next day eastern standard time. Therefore how am I being charged a late fee on the same day the payment is due. He said that is a good question and wasn't able to explain. I believe the reason for the charge is harassment from the bank. I would like Capital One investigated for such.

Thank you, XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-16
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. (WI)

This account was previously reporting as XXXX XXXX XXXX. After disputing it, it was deleted from my credit report and reinserted as XXXX XXXX XXXX. According to 15 U.S. Code 1681i, " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' In addition to that, this collection account is reporting as an OPEN account status on my profile which is ruining my credit. This is inaccurately and misleading information reporting and must be deleted from my profile
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-05-24
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. (NY)

I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (VA)

Chase Freedom unlimited Visa card belonging to XXXX XXXX XXXX, born XXXX added my name to his account without my permission. The balance on his XXXX account with Chase showed up as a debt owed by me on my credidt report. with XXXX. Chase Bank was notified and they took my name, XXXX XXXX XXXX, off the account. However, my credit report continues to show the Chase account as a debt I owe. The Chase Freedom account number is XXXX XXXX XXXX XXXX, expiration XXXX digit XXXX XXXX  Your help would be greatly appreciated to remove this account from my credit report. 

My husband of 48 years died 6 years ago. I met XXXX XXXX through my daughter and her XXXX 3 years ago. XXXX XXXX and I dated for several months and currently live together without intentions of getting married. I am XXXX he is XXXX. We have NOT mingled our finances as I am financially better off than he. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (DC)

On XX/XX/XXXX, the ATM at the PNC XXXX XXXX branch suddenly stopped working around XXXX. I attempted to use the APP and my credentials were denied. I tried to use the app from XXXX - midnight and later and still continued to give trouble - this morning I see XXXX overdraft fees for {$36.00} on my business checking account. I would like the fees to be removed - PNC has technical/ system issues and the institution is taking it out on the small business owner who has to manage the bank 's issues with their mortgage department, their business department and various other departments. 

Additionally, i reported a transaction that looked like a fraudulent issue on Sunday XX/XX/XXXX and it took me more than 2 hours to get connected to the fraud department - who then resolved the issue after more discussions. If I had not insisted on speaking with the fraud department, the matter would not have been flagged nor would I have had a {$370.00} debit resolved. 

PNC 's customer agents are unable to resolve issues anymore and most of the time the customer is having to move complaints up the chain at considerable cost to their own business.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 


XXXX : Fair Collections and Out, Chapter XXXX bankruptcy Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I was never late payment account was paid off and closed as reflected by XXXX. Equifax and XXXX are not reporting accurate information such as payment status and date of last payment. Equifax failed to report my dispute in the comment section, not consistent with XXXX reporting. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2023-08-16
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. (LA)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-16
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 deposited A XXXX  XXXX XXXX check into my M and T account. I was told by M and T my Funds would be released within 5 buisness days it was deposited on the 7th of this month.XXXX XXXX XXXXXXXX told me that M and T bank cashed the check for XXXXM and T says they have an investigation they're giving me no information XXXX transparency.I simply want my money so u can close out this account..M and T clearly does shady buisness, and I'll never deal with them again..I 've given M and T all the information proving the check is legitimate... Not to mention they've already cashed the check and received my money as XXXX XXXX XXXXXXXX revealed that to me..not M and T.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, 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 2017-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

I do not have a contract with Common Wealth. 

I do not have anything that shows that I have a debt with this company. 

This debt has been on my credit report before and has been removed after contacting the CFPB. 

They have now put this debt back on my credit report. 

I have no knowledge of what this is for. 

It needs to be removed from all credit bureaus. 

They are now in violation of the FCRA
Consumer complaint received 2023-08-16
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. (TX)

In accordance with the Fair Credit Reporting Act these Convergent Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX, XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX ( Original Creditor : XXXX XXXX ) Payment Status : Collection/Chargeoff/last reported : XX/XX/XXXX Date Opened : XXXX Account Status : Derogatory Amount : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off account Auto
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (MN)

I closed an account with TCF in XXXX of this year and recently had a check from XXXX XXXX be deposited in the account in XXXX. If the account is closed and I have no business with TCF how can a check that was deposited into a non existing account be possessed by an institution I have cut ties with. I did still have TCF as a Direct Deposit option for the XXXX XXXX. I contacted the XXXX XXXX  and they notified me that if my account is dissolved then the bank should notify the XXXX   XXXX the account no longer exists and send me a check. TCF claimed that because I had a direct deposit for the check will associated with the XXXX XXXX they took the check. After I liquidate an account the bank should no longer hold the right to posses my money in any capacity, and they also wanted to charge me for an account maintenance fee. Any help would be greatly appreciated.
Consumer complaint received 2020-08-24
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. (DE)

I have contacted all 3 credit bureaus ( Transunion, XXXX, and XXXX ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is stacking charges to where you get the max overdraft fees, they authorize gas transactions at the pump for   XXXX   so you get with a {$35.00} fee.  XXXX  get pre approved and f all of that night and wait till the account is under that amount before posting it without showing it pending or give you a chance to make a deposit to cover it. Very disappointed with these practices
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

On XX/XX/2022 I was notified via automated email that my Chime bank account was being close that day. I am completely cut off from my own money without any warning. Every dollar I had to my name was in this account and when I called and emailed Chime I was met with the same non response. That they couldn't tell me why my account was closed and could not reopen it. That a paper check SHOULD be mailed to within 30 business days for the amount that was in the account at the time of closing. 

I'm horrified and scared. I have no money and I have no idea what to do. Chime is literally a criminal enterprise.