davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-01-10
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The debt that Equifax is reporting by XXXX XXXX is not a valid debt. Equifax is, by law, required to reach out to the data furnisher, XXXX XXXX to VALIDATE the debt or to prove that there is a contract that I am legally obligated to pay such company. So far, Equifax failed to obtain any such information from XXXX XXXX. There is a stark difference between what is called verifying versus validating the debt. Equifax, once again, documented that they verified the debt rather than VALIDATING the debt which they are required to request from the data furnisher, XXXX XXXX. It has been over 30 days without me receiving any debt VALIDATION. Equifax is now required by law to remove this account from my credit file because there is no VALIDATION that I legally owe any such debt to XXXX XXXX. I have never heard of or ever dealt with XXXX XXXX and do not have any binding contract with them. I am attaching proof that Equifax is reporting that they verified the debt rather than investigating the VALIDITY of the debt like they are required to do by LAW!!!
Consumer complaint received 2019-03-16
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. (CA)

On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in 2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.
Consumer complaint received 2024-01-10
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. (MA)

XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated Thank you,
Consumer complaint received 2024-01-10
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts 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
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON XX/XX/2021, I SENT TRANSUNION A LETTER REQUESTING THE INACCURATE ITEMS BE DELETED FROM MY CREDIT REPORT AND I HAVEN'T HEARD FROM THEM CONCERNING THIS INVESTIGATION .THIS IS CAUSING ME HARM AND XXXX AND I WILL LIKE FOR IT TO BE DESOLVED. I HAVE ATTACH A COPY OF THE LETTER FOR YOUR REFERENCE.
Consumer complaint received 2021-10-22
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: Resurgent Capital Services L.P. (CA)

I looked into my credit and found several accounts that didnt belong to me from finger hut. I disputed it however theyre certain that the account belongs to me. I asked for proof that I opened the account but non was provided to me! This account appears on my credit report twice theyve also sold the account to a collection agency, so not only are they trying to collect but the collection agency is also to collect which is clearly showing on my credit report as a debit and its showing as recent as XXXX which isnt true this fraudulent account has been on my credit for over 7-8 yrs. But Im just made aware of this. Im also having an issue with an Old car loan that was opened in XXXX thats saying that I owe XXXX on a car that was all paid for Except for {$690.00} which was the original charge off the past due was {$780.00} the Car was stolen in XXXX they keep re submitting this on my credit report my car was stolen In XXXX. I provided the police report to the finance company yet theyre showing that the debt was as recent as XXXX and thats not true! I only owe {$780.00} which was all owed from me because the insurance paid the rest! Unfortunately I didnt have GAP insurance so I was left with a balance of XXXX,, at the time I was upset that my car was stolen not to add that I had to repurchase a new one so I couldnt afford to pay them and buy another car! They refused to work with me so it went on My credit! I have a Police report support what Im saying! That this was in XXXX not XXXX! These people are making it impossible for me to reestablish credit by putting fraudulent, false and negative things on my credit
Consumer complaint received 2021-10-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX  XXXX XXXX XXXX # XXXX -PORTFOLIO RECOVERY ASSOCIATES
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (FL)

on XX/XX/XXXX I submitted a payment of {$50.00} to Total Visa and it was removed from my bank account. I log in to pay my bill on XX/XX/XXXX and im notified that I need to call because my account is past due which is not correct Ive never had a late or missed payment with this company ever over the duration of having my account open for three years. So i give them a call and im notified that my payment was returned from XX/XX/XXXX and that my account is now closed and that I need to speak with my bank. I then call my bank and Im advised theres no record of this and that it did not happen, my statement reflects this as well there are no charge backs. So now my account with Total Visa is being closed and theyre charging me a late fee as well as the returned {$50.00} payment as well as the annual fees. Ive spoken to numerous people about this with zero resolution. I was advised I needed to send my bank statement through fax or mail but the fax line was busy for hours until I was finally able to get it to go through. Now, not only is an account Ive had open for three years being closed, Im being charged a late fee, the returned payment and the annual fee for the dates XXXX and my account is closed and a late payment will be reported to my credit file when none of this is correct.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

3 collections XXXX. I contacted XXXX in the past couple months regarding a debt collection claim on my credit report. XXXX replied from XXXX website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. XXXX has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (OH)

I called Equifax on XX/XX/2021 and cancelled the service. But, a {$16.00} charge continues to be put on my credit card on the XXXX of each month ( XXXX, XXXX, XXXX, XXXX, XXXX ). I've made numerous phone calls where they offer apologies and maintain that the account is now officially closed and that I will see email confirmation thereof and past charges refunded, but all I see is another charge on my bill on the XXXX of each month. 

My case number as of today is XXXX I was told today that the cancellation ( that is, the fourth and most recent request for cancellation that I made on XX/XX/2021 ) is still " in progress ''
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXXXXXX XXXX XXXX  : Hackers gain access to my online Wells Fargo account and changed the access credentials. 

XX/XX/XXXX XXXXXXXX XXXX  : I was contacted by someone who claimed to be with Wells Fargo Fraud Dept ( caller Id credentials matching Wells Fargo official number ). I was misled to believe that fraud had occurred on my account ending in XXXX via a 3rd party application ( XXXX XXXX ) and coerced into participating in a attempt to catch the alleged suspects by sending the amount of {$1000.00} ( case # XXXX ). 

XX/XX/XXXX XXXXXXXX XXXX  : 2nd contact by the same scammer posing as a Wells Fargo Fraud dept. rep claimed that both of my debt cards ( ending in XXXX and XXXX ) had been compromised and needed to be cancelled and new card issued and new PIN # Id 's established. In addition, both card needed to be sent back immediately via express courier that XXXX  via a address provided ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) w/ claim # XXXX via mailbox pick-up point. 

XX/XX/XXXX The next morning, I received multiple e-mails that throughout the night that transfers online between my four Wells Fargo accounts had been made, daily withdrawal limit had been increased, and suspicious ATM withdrawals had been made and I need to verify. I called Wells Fargo Customer service and made multiple fraud claims with the various associated departments. 
1.claim # XXXX ( Approved ) amount ( a ) {$300.00} dollars overdraft reversal from ATM transaction XX/XX/XXXX. ( b ) {$2000.00} Reversal of fraudulent online cash advance from credit card account. Reversal can not be fully completed as the funding account is NSF due to actions made by the scammers. 
2. claim # XXXX ( Declined : error did not occur ) multiple fraudulent ATM transactions made at Wells Fargo two separate branch locations for ( a ) {$300.00} x XXXX = {$1500.00} ( b ) {$1900.00}. 

Compensation requested : 1.fraudulent ATM withdrawals = {$3400.00} 2.Fradulent coercement via XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (VA)

I received a medical bill collection from WakeField & Associates with a balance of {$390.00} upon contacting the company, they told me they were a collection company attempting to collect a medical debt. I do not owe this debt my medical bill was paid in full I have attached a copy of the bill from WakeField & Associates and also a letter from XXXX XXXX XXXX that my medical bill was paid and it was approved for a full write-off of all medical charges and also XXXX XXXX said that there office can be contacted to verify my medical account has been paid and written off, my case number with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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 (IL)

On several occasions, Ive been the victim of identity, theft and theft the phones from my account. I contacted my banking institution, and I let them know that the charges were fraudulent they were sent to different states they were sent to different addresses and it was a lot of money missing from my account, I asked chime for documentation and proof of the investigation because Im missing a lot of money. I was told the back office did not find fraudulent activity on my account when I informed them that my phone was stolen and that card was in my phone wallet and that is how the theft of funds came to be! This is not the first time that chime has not followed the FDic guidelines about theft monies from my account I submitted numerous police reports regarding the staff as well as reports from the FTC and several credit monarch companies and FBI report, and they still refuse to refund my money. I am not talking about XXXX  of dollars I am talking about several XXXX dollars and I have spent several XXXX dollars with Chime bank but not return my funds that was stolen even though I sent them all the proof that they got of me I can send a screenshot of all of the police reports and the amount
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KY)

This complaint is in regards to chime bank. In XXXX on 2020 I received my eidl business loan to my chime checking account. 2 weeks later they closed/suspended my account I have since provided all documentation theyve requested, called, emailed, and done everything possible to get my funds disbursed to me or sent back to depositer. Its now a year and 4 months later and they still have the funds and arent trying to resolve the issue. This cant be normal banking process and it it has now put a strain on my XXXX livelihood. Please help!
Consumer complaint received 2023-06-26
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. (GA)

Submitting a new complaint with Experian. On XX/XX/2023, I requested the investigation of the inaccurate information in my report regarding ( Bankruptcy XXXX # XXXX ). Within XXXX days Experian responded stating that it was verified through the bankruptcy court. However, they did not supply the requested information as requested for review. 

I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. 

Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. 

I have letters from both companies on letterhead. 

So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.
Consumer complaint received 2023-06-26
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. (IN)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2021-01-28
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!