davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have disputed these account for inaccuracies and they came back as verified but looking at my most recent credit report I am still seeing the same inconsistencies as before. 
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 2023-11-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zenith Financial Network Inc (GA)

I keep getting calls from a Zenith Debt Management. They tell me to log into the Website to view my balance and make a payment but I don't know if they have a legitime claim to the debt or if they were working on behalf of my creditor. There is no place to dispute it, and when I close the page for that lack of information I get texts from them asking me why I didn't. 

At one point I told them I wasn't sure if the debt was legitimate, and they told me that because I verified my info to view the debt it was. Now because I couldn't verify the debt they're threatening legal action against me.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I continue having issues with Wells Fargo. Currently I am unable to access my money and my debit card has been deactivated. Wells Fargo is currently holding XXXX XXXX  dollars belonging to me hostage. I reached out via XXXX and XXXX just stopped responding. I then called back out and spoke with XXXX who was rude, argumentative, and could not tell me why my card was deactivated. I asked for speak with a supervisor and spoke with an agent who refused to give her name and refused to help because she said I was " talking down to her. '' I asked her to again escalate the claim since no one followed up and she hung up the call. These are the people who work at Wells Fargo.
Consumer complaint received 2023-06-07
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. (NJ)

XXXX XXXX - {$1500.00} ( Credit Card ) XXXX  XXXX - {$810.00} ( Credit Card ) XXXX XXXX  {$150.00} ( Credit Card ) XXXX XXXX XXXX XXXXXXXX ( Auto Loan ) None of these are my transactions, yet they are on my credit report.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I was in the automatic relief group of the XXXX  v XXXX settlement. Per the settlement agreement my loans were supposed to be discharged by XX/XX/2024 and all credit line of these accounts were supposed to be cleared. I have been calling weekly since the week of XX/XX/2024 because one of the above has happened and my XXXX XXXX were put into repayment. When I call the agents say they have no idea about any of my questions and that they need to transfer or deflect me to a more seasoned agent at which time they transfer me to another call center where a recording tells me to leave my phone number and an agent will get back to me within XXXX hours. Nobody ever calls me back, the agents refuse to let me speak with a supervisor and the agents claim they are not authorized to look into the reasons behind my account. I spend hours every week going in circles with a company that claims to have no knowledge of my loans even though they service them. What they are doing is illegal!
Consumer complaint received 2023-08-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-09-12
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. (PA)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-08-17
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: Bridgecrest Acceptance Corporation (IL)

Late payment on my credit report supposed be remove due to privacy and consent. There's no law, stating that late payments should be reported under the privacy and consent.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NE)

I saw a transaction on my account that I do not recognize at all. I called Chime to report this unauthorized transaction by filing a dispute. I was advised by the Chime rep that first I needed to try and resolve this directly with the merchant first. The Chime rep said if I couldn't reach a resolution with merchant after a couple weeks to call Chime back and at that time they would file the dispute. I explained I was somewhat hesitant to do this because I needed dispute resolved ASAP as I can't just be out {$890.00} for any extended amount of time. I'm a XXXX single mom of XXXX small children. {$890.00} is like {$8.00} million to me. Anyways the Chime rep said well Chime makes you wait 10 business days before they'll refund your account anyways so you might as well spend that time trying to first resolve with merchant. If you can't then call Chime back and file dispute and we will issue a provisional credit within 24 hours. The merchant in this case was XXXX. I did in fact try my hardest to get resolution directly from XXXX but unfortunately they were not responsive to me at all. So after a couple of weeks I did what Chime told me to do, I called them back to file the official dispute ; which they did on XX/XX/XXXX. However MY COMPLAINT IS THIS EXACTLY : I filed my dispute an entire week ago and still haven't received my provisional credit that I was told would be issued within 24 hours! When I contacted Chime again a few days ago the rep this time had a whole different story. She said credits aren't issued until 10 business days, could be sooner but not required by law. I said yes I know but first rep told me to work directly with XXXX for resolution and during such time it was counting towards that 10 day waiting period. Now this rep I most recently spoke to said I'm not getting the credit until XX/XX/XXXX!?!?!?!!!!!!!! I can not wait a while additional week. My kids and I are drowning over here. I literally don't have gas in my car to drive them to school or money in my account to buy groceries. I need this resolved ASAP!! I realize Chime didn't cause this problem initially, it was the thieves. But Chime isn't helping to resolve it quickly and fairly at all. I wish something could be done to stop all these thieves from hacking bank accounts online, stealing directly out of our mailboxes in person, attaching skimmers to duplicate our debit cards, etc. But until the thieves can be stopped, the banks need to step up for their customers NOT CONFUSE THE ALREADY DESPERATE CUSTOMER SOME MORE by giving out false information which delayed my refund another 2 weeks!
Consumer complaint received 2023-04-14
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. (TX)

A collection that does not belong to me was placed on my Equifax credit report. I have filed XXXX disputes and all have been denied. The collection agency has attempted to add this collection to both XXXX and XXXX, both have been disputed and deleted. However, Equifax refuses to do so even though it should be deleted.
Consumer complaint received 2023-08-17
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-17
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. (MN)

I am starting my credit history, but when trying to apply for a loan, they tell me that I have a debt, when reviewing my report, only the Experian company is reporting a collection that was opened in XXXX, which is impossible for it to be mine since I was not here on that date, about a year and a half ago I arrived and I just got my social security ; Understanding that it is an error, I called the company on XX/XX/XXXX and now I have received a letter where the debt that does not belong to me still appears, I asked and informed them that it was an error, perhaps they are confusing the person but they have ignored me.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/2022 I had an account balance ofXXXX cents. At XXXXXXXX XXXX  I received a XXXX  payment from another person in the amount of {$40.00}, which showed my available account balance as {$40.00}. I then used my First National Bank card at XXXX  and then received another deposit of {$65.00} from XXXX. First National Bank charged me {$110.00} ( XXXX {$37.00} ) for XXXX  fees stating I didnt have enough funds in my account for the transactions. I called the bank and spoke with XXXX a supervisor from the XXXX XXXX, she stated her manager reviewed the case and they refunded one of the {$37.00} XXXX  fees but were not able to refund the other two XXXX  fees because my account was overdrawn for a transaction done on XX/XX/XXXX at XXXX XXXX  and a {$16.00} XXXX XXXX payment that I sent XX/XX/XXXX at XXXX XXXX. The manager advised me that all XXXX transactions made before XXXX XXXX  were available immediately and could not explain why I was charged the XXXX  but would not refund either.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

*COMPLAINT FOR NO RESPONSE IN 30-DAYS REQUIRED UNDER FCRA LAW Subject : Complaint against XXXX for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Transunion regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXXXXXX XXXX XXXX, I sent a letter to Transunion via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit FCRA by Transunion. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA.

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Transunion. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Transunion complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Transunion be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Transunion 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 
Hide trimmed content Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by XXXX and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX  ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.
Consumer complaint received 2022-12-07
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. (SC)

To whom it may concern : Attn. : Consumer Relations To Whom It May Concern, Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX On ( XX/XX/2022 and XX/XX/2022 ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Account Name : XXXX Account XXXX : XXXX Please investigate this account each credit bureau XXXX XXXX a different date of last activity for this account. XXXX XX/XX/2022, Experian- XX/XX/2022, and XXXX XX/XX/2022 XXXX Also, each credit bureau is reporting a different payment status for each account. XXXX and XXXX are reporting this account is paid as agreed. Experian is reporting this account is currently pass due 6 months. Please validate this account or delete it from my credit report immediate. 

Account Name : XXXX XXXX Account Number : XXXX The following account isnt mine. Please remove it from my credit report. 
Amount : {$270.00} Account XXXX : XXXX Account XXXX : XXXX This account is reporting errors please verify it or removed immediately. 

Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$190.00} I demand that the following account be verified or removed immediately. 
Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$460.00} Please investigate this account, each credit bureaus are reporting a different high balance amount and no way this could be correct. 

Account Name XXXX Account number : XXXX Please Investigate every piece of information is that you are currently reporting is correct and incomplete. If not please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute regarding multiple violations that have come to my attention concerning the credit reporting practices of various creditors. These violations encompass several aspects of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

The violations identified in this dispute include but are not limited to : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion of accounts without proper notice Undated late payments Charge-offs listed as open accounts Collection accounts with credit limits These violations have had a profoundly detrimental impact on my life and financial well-being. Allow me to share a deeply personal account of how these issues have affected me : It is with great concern that I request the Consumer Financial Protection Bureau to enforce my legal rights and ensure that the relevant provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA are adhered to. These laws exist to safeguard consumers like me from unfair and misleading credit reporting practices. 

In light of these violations, I kindly request that the following unverified accounts be removed from my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX I am committed to rectifying these inaccuracies and ensuring that my credit report reflects accurate information, as I believe that my financial stability and future opportunities are being unjustly compromised. I humbly request your intervention in resolving these matters promptly. 

Thank you for your attention to this matter. I have enclosed supporting documentation that substantiates my claims and provides evidence of the violations. Your assistance in rectifying this situation is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-07
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. (LA)

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-17
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. (MA)

Last XXXXXXXX XXXX XXXX I had scheduled a payment with XXXX XXXX for my account. I recently had my debit card stolen so my funds were not in the account. I spoke with them to set up another bank account to connect since my previous one was stripped of funds. After the call they said my new account would process the payment. Once the due day occurred it didnt come out of the original account so it bounced back which caused me to be 30 days late. I have never missed a payment ever and felt this was really frustrating considering the fact I just had spoke with them on the phone. When I reached back out the company didnt take ownership and said they couldnt do anything about it.
Consumer complaint received 2023-06-21
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. (IN)

I do not recognize these inquiries on my report XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Bureau Inquiries XX/XX/XXXX Equifax XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureau Inquiries XX/XX/XXXX Equifax XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bureaus/XXXX Processing XX/XX/XXXX