davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (IL)

I sent a letter and disputed with XXXX, XXXX and Equifax all accounts. However the credit bureaus said the completed investigation and everything was 100 % accurate ; despite accounts not appearing on all credit bureaus are the same. This is defamation of character. 

I also, I noticed them with a list of laws according with 15 U.S.C regarding privacy, acquisition of location information, accuracy, to name a few 15 U.S.C 1692 ( a ) sections 1-7, 15 U.S.C 1692 ( b ) sections 1-3, among others I may mention again ; Fair Debt Collection Practices Act 15 U.S.C 1692c, 1692d, 1692e, 1692f, 1692g, 1692h, 1692i, 1692j, 1692k. Under the Fair Credit Reporting Act 15 U.S.C 1681, 1681a, 1681b, 1681c, 1681c-2, 1681e, 1681g, 1681i, 1681n, 1681o, 1681q. 16981s-2.

Lastly, most importantly to highlight 15 U.S.C 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and investigate with. Also, how did they complete their/this investigation.
Consumer complaint received 2023-04-14
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX ACCT NUMBER XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 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 2023-10-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Statewide Mortgage, LLC (IN)

I had my home inspected XXXX after putting an offer in, waited for repairs and had another inspection done on XXXX. None of the repairs were done. I was assured by both my realtor and the sellers realtor that there would be receipts of repair at closing. The seller never showed. I was urged to sign the docs. Currently - my roof isnt attached to my home and my walls are holding water cause mold and almost unlivable quarters for myself and my XXXX children. One of which is special needs. I reached out to the sellers realtor for documents and she provided me one fake receipt from a roofing company that said I had a 5 year warranty on the home- which now the point of contact has blocked my number. No other receipts were provided to me upon asking. Inspection Buyer Report was signed and agreed to by both parties and the seller did not keep his end of the deal, as the back end of my home is caving in and my HOI will not allow me to make a claim on my home due to it being a pre existing issue. Ive emptied my savings, drawn off of my XXXX and have exhausted all avenues of credit which have now left me on the cusp of bankruptcy. I have had to seek out an attorney as well as miss many days of work without pay due to the work being done on my home. Companies liable : XXXX XXXX with XXXXXXXX XXXX XXXXXXXX XXXX with XXXX XXXX XXXX XXXX, Statewide Mortgage as I do believe the home was not up to FHA standards.
Consumer complaint received 2023-09-16
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. (TX)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
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. (MO)

XXXX XXXX XXXX is in violation of 15 USC 6802 BXXXX XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MS SERVICES LLC (CA)

My husband contacted this company to request more information about the debt they are collecting, since we never received any collection notice is not easy to pay the bill without knowledge what is it for. 

He spoke with a representative named " XXXX '', he explained he wanted to pay if bill but is very unfair that we never had the chance to pay it or dispute it before it goes to collections, she said I paid {$25.00} dollars in the past, but paid it because the collector pushed and threated ME very bad to make payments. He explained I want to pay the bill but I wanted to request a validation of debt, She claims that they mailed some validation on XX/XX/2020, and do not have a mail returned, He clarified we have some problems with the mailboxes and some mail just disappears, so I was asking for a validation by email, fax or mail but I was wondering to know what I was paying for. 

The representative very unprofessional said she won't send a new validation just because they mailed once but my husband already explained we didn't received. 

Asked for a manager but she ended disconnecting the call. 

I am just asking for a validation of debt because this collections is coming from a checking account and is very confusing for me to know what the bank is collecting.
Consumer complaint received 2018-03-30
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. (IL)

I submitted a letter to Transunion explaining that I am a victim of identity theft. I included the FTC Identity Theft Report, police report, Proof of Identity, copy of my credit report and the Fair Credit Reporting Act Section 605B as well as the fraudulent accounts it has been well over 30 days and these items were not removed as I requested. XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXXe account number XXXX, XXXX XXXX  account XXXX   and XXXX XXXX XXXX XXXX account XXXX, XXXX account number XXXX, XXXX XXXX account XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/2022 - I phoned Midland Credit Management , Inc to change the debit card information in their system. A payment plan had been set up to resolve this very old debt. The company employees became very uncooperative when I told them that I need to change the debit card number on the payment arrangement. 
The arrangement was {$50.00} per month for 3 months and {$100.00} every month after until paid off. 
The company told me that because I had filed a complaint with CFPB and they had until XX/XX/2022 to respond that they will not resolve the payment plan to change the debit card number in the arrangement. 
They told me the only way they would cooperate is if I withdrew my complaint. I said that I would not because I am looking for affordable payments for debt resolution.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (VA)

Santander CONSUMER USA has been reporting on my credit report to my knowledge since XXXX  that I owe {$11000.00} after a repossession and I, XXXX XXXX XXXX don't have a signed agreement with Santander, paid XXXX XXXX of XXXX, had a GAP Ins. coverage that allowed Santander to be paid per the car dealership but GAP Ins. in XXXX, GA is reporting that they are the wrong GAP Ins. office and I should contact the dealership. I, XXXX XXXX XXXX, the consumer does not agree with the debt and have requested that GAP Ins. send the remaining {$39000.00} to me to have the vehicle replaced because the only right that Santander CONSUMER USA has to be paid is under GAP Ins. Santander CONSUMER USA has not legal right to pursue XXXX XXXX XXXX, consumer for any money.
Consumer complaint received 2023-06-14
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts blow 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 : 1. # XXXX Commercial card / Account 2XXXX # XXXX Service/ 3. # XXXX Service/ 4. # XXXX Line of XXXX/ 5. # XXXX XXXX 6. # XXXX XXXX/ 7. # XXXX Service. 
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. ( aX5 ) Section : no comsumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C1681s-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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MN)

Comenity Bank has not reported several of my credit cards to the credit bureau since XXXX of 2022 which has a big impact on my credit report because I paid off all 3 cards, but they are still reporting high balances. I emailed them in XXXX and they said it would be fixed soon but it's still not updated.
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MA)

I used PNC banks External transfer tool to transfer {$5000.00} to my XXXX XXXX  XXXX account on XXXX XX/XX/2023. 

As on XXXX XX/XX/2023 the transaction shows Completed on PNC portal, however the amount is not credited to my XXXX XXXX XXXX 

I have double/triple checked the account and routing numbers and they seem to be correct. 

On contacting XXXX XXXX, I found that they do not accept ACH for CD deposit, thus the amount should have been back in my account when the status on PNC shows Completed for the transaction but that is not the case.
Consumer complaint received 2022-12-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account Number XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX  Account Number XXXX has violated my rights. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MO)

I initially contacted Chime on XX/XX/XXXX as I had received 2 emails from them about an account that was setup in my name. I had never heard of this company, nor did I try to setup an account with them. 

They closed the account per my request but were not able to provide additional information unless I gave them my SS #. At that time I declined to share that information. I was told that I needed to file a ID theft report with the FTC and provide my SS # in order to receive additional information about my file. I went ahead and did file an ID theft report at that time. 

On XX/XX/XXXX I called them again and did give them my SS # and gave them information about my ID theft report. I asked to escalate the case ( I have a reference number from chime ) and then I received a series of emails where they wanted my SS # again after I had given it to them over the phone. I received a series of automated emails asking for my SS and the ID theft report after I had already provided it and felt like I was getting the run around. At this time I chose not to respond to their emails and through a Fraud resolution specialist with XXXX XXXX, she suggested I file a complaint with you.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/2023 i sent out a dispute letter for inaccurate accounts that had been reporting on my credit report, some accounts are duplicates with diff account balances and alot of inaccurate reporting from all three credit reporting agencies, i sent out proof of my identity drivers license, mail from home address, last 4 digits from ss # on dispute letter, and XXXX sent me a letter past 30 days stating the dispute letter wasn't from me, XXXX and Equifax have not reached out to me not even one time in 90 days and my first dispute letter in XX/XX/ they are clearly neglecting my right to challenge anything i believe is not accurate on my credit file and violating my consumer rights and also being uncompliant with FCRA and METRO 2 COMPLIANCE GUIDELINES, this agency has put stress, frustration and XXXX to my life because of there wrong doings, which has put my financial status in jeopardy to move forward in life, ive listed a few violations below, but not limited to all that apply to my credit profile, i have attached some documents with this compliant as well, ( 1 ) 15 U.S. Code 1681s2 ( 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.

( 2 ) 15 U.S. Code 1681s-2 ( b ) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact inaccurate ( 3 ) FCRA 623 ( a ) ( 3 ) Duty of furnishers to provide notice of dispute 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 ( 4 ) FDCPA 807 ( 8 ) False or misleading representations Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 5 ) 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2023-05-30
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. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

At the beginning of the month of XXXX XXXX XXXX, someone opened a fraudulent checking account in my name. Wells Fargo closed this checking account. Wells Fargo also erroneously closed my legitimate checking account at the same time. My legitimate account had a balance of {$250.00}. Wells Fargo never provided these funds to me. I have attempted, approximately half a dozen times, over the course of a year to recover this {$250.00}. Wells Fargo has admitted to me on phone calls that they can not account for where the {$250.00} went. Wells Fargo has admitted that they have no entry where a check was issued for the closing balance, nor do they have any other accounting entry for the {$250.00}. Despite this, I've been runaround between multiple departments and hung up on more than once. I have still not received my {$250.00}.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received 4 letters from Bank of America about my 2 checking account that were in good standing with positive balance for close to 3 years, about the bank decision in closing both accounts. I called the number on the letter and they couldnt provide a reason for the closer or a way to reopen. The next day when to the regional office in my town and they were less helpful. XXXX XXXX and care for my elderly grandparent and parent. This is not ok. I sat in the bank for XXXX hours. The letters were generic in form looked photo copied and at first I suspected fraudulent documents but they are not. Then the letters state they may report this to XXXX and it could prevent me from obtaining another account at another bank