davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: Monterey Financial Services LLC (NM)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE EACH ACCOUNT LISTED IN THIS COMPLAINT OFF MY REPORT AS WELL AS ANY FRAUD INQUIRY THAT OCCURED THROUGH THE IDENTITY THEFT. 
MAIL ME MY RESULTS BACK TO THE ADDRESS ATTACHED ON MY REPORT
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to XXXX and Experian a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX and Experian has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

On XX/XX/2023 I contacted Chime member services to let them know I needed to file a dispute for unauthorized transactions. I spoke to 4 different member services reps that refused to even initiate the dispute. Finally, the 5th one started the dispute for me, one day later my dispute claim was denied, which should have never happened. On XX/XX/2023, I was assaulted, my debit card, car, and personal belongings were stolen from me. The same morning 10 minutes after the incident happened, I filed a police report. I was XXXX XXXX XXXX to my local hospital  due to injuries sustained during the assault. I was in the hospital  from XXXX, for one week I was XXXX due to the injuries I sustained. I sent Chime the police report, arrest report, my hospital admission paperwork, and my discharge paperwork from the hospital multiple times. I have records where member services and the dispute department is saying it was my fault I was assaulted and had my stuff taken. I will be presenting all this information to my lawyer since Chime can't seem to take it seriously.
Consumer complaint received 2020-12-14
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. (IL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

This car account I had with XXXX XXXX. There was a car accident and the car was totally lost. Cars in XXXX XXXX have insurance and they paid the bank. 

Despite this payment and the debt was settled. XXXX XXXX XXXX  has my account in Charge Off on my credit.

And this prevents me from buying my house.
Consumer complaint received 2022-06-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BSI Financial Holdings, Inc. (NY)

Having problems from the first second this company came to us. New problem now : Company did not get transferred loan correctly, which turned into a world of problems. Had to contact CFBP and the XXXX to get an answer out of them. Loan transferred to them without knowing it, and they started sending us foreclosure letters because we were on a forbearance plan with the previous one when it was transferred. ( Even thought we went back to making payments ) An entire year goes by, and they randomly send us a loan modification. The modification did not make any sense, and was wrong. Wrong dates/ wrong amounts etc. We decided to sell our house, and we asked for the payoff ( to get away from this company, this it literally our only choice at this time ). They gave us an amount that is completely wrong. During this time we got a lot of answers for everything and there payoff manager FINALLY explained everything that happened. Once we found out ( finally ) still never actually spoke to someone because no one ever called or email until we had to go to length of contacting them through CFPB and the XXXX. They said they would no longer honor thier initial loan modification and sent us another one we a 3 % higher interest rate. We locked in an interest rate VA at 3.6 and they jacked it up to 6 % and said there wasnt anything they could do, even though they literally sent us one 1.5 months prior to that. We said we would not sign that because we should not have to pay 6 % interest rate, and everything that happened was because they had thier data incorrect and did transfer the loan correctly. There payoff manager has been the only one to communicate any of this with us, and no one else has tried to contact us. They once again just messed up our credit, by saying we were late, when we in fact are not late at all, and have making payments. If anything, we owe them the three months, but each time we get a document from them, it says a different amount of debt. It XXXXnow says we owe them XXXX yet, our mortgage is only XXXX a month. 

They need to fix our credit, and interest rate, and we are paying off the loan. I have no idea how a company of this size is allowed to do business anymore. They have messed up so many peoples credit and lives, and cant even call a consumer. 

They need to fix this immediately. Especially our credit. 

Please note I have attached the response of the " Vice President '' saying we failed to return the loan modifications. We did not even know what the modifications were and they were not correct. They did not explain anything to us, and when it was finally changed they changed the interest rate to 6 %. This is unacceptable and unethical business practices.
Consumer complaint received 2022-05-04
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$860.0XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} ; XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXL XXXX XXXX A ) XXXX Balance : {$280.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2022-05-04
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

I have tried relentlessly to resolve this matter with Wells Fargo. However Wells Fargo is refusing to report the account as settled and as of XX/XX/XXXX reporting the incorrect balance of {$5500.00} when the actual balance is {$1500.00}. This has caused irreparable harm to my XXXX XXXX and is being done out of retaliation. My credit score in XXXX of XXXX declined XXXX points which caused me to be denied a business loan. I have reached out to XXXX XXXX on numerous occasions with not one response. I need help from CFPB asap. My restaurant was forced to closed due to the covid 19 pandemic in XXXX. 

XXXX XXXX
Consumer complaint received 2024-02-06
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships wit
h a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2022-06-12
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 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 2022-10-18
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. (TX)

I have sent out all that was required of me by Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  report.
Consumer complaint received 2019-03-21
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. (OR)

Experian received fraudulent information from XXXX XXXX ( company ) via XXXX XXXX XXXX XXXX ( debt collection ) in XX/XX/2018 for money I never owed.

I filed an online dispute with Experian and the agency chose to ignore my dispute, not investigate my dispute and keep the fraudulent collections account on my credit bureau report.
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis & Associates a debt buyer/collector shows on my credit report with the original creditor as XXXX XXXX. XXXX XXXX is a property management company in my general area I assume rents properties. I have never done business with either of these companies. Shows an open date of XX/XX/2014 I have been in a motor home the last five years. Not my debt. Please remove from the CRA 's
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Incomm Holdings Inc. (FL)

I have a XXXX XXXX XXXX bank account / card. In XXXX of XXXX  there was an unauthorized charge. I dispute the charge and initiated a chargeback in XXXX of XXXX. The company InComm Financial Services and XXXX denied the chargeback the same day I disputed before even receiving my dispute packet / affidavit. I asked to reinvestigate in XX/XX/2022 and they have failed and/or refused to respond. They're engaging in totally unethical and illegal behavior. The last 4 of my ssn is XXXX.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NM)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT While checking my consumer report, it came to my notice that your Company has furnished an account on my report.Without my written permission and also without giving me my right to opt out.

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX : XXXX
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (NJ)

I have no idea or have details on these hard inquiries. They are not mine. They are fraudulent. I can not provide unknown information. I have tried to despite with all three credit bureaus and was told they will be removed yet they are all appearing on my credit report. I never gave consent to open these accounts. These were opened without my knowledge and without my consent. I sent out letters to all credit bureaus and deputes. I was told it will get fixed and it has not been fixed. I reported these accounts and nothing is being done. I have called and followed up and I am always told the same information yet nothing gets done. The hard inquiries remain in the credit report.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act US BANKRUPTCY COURT XXXX XXXX ACCOUNT # XXXX & ACCOUNT # XXXX, have 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 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (IL)

Debt collector is XXXX XXXX XXXX XXXX, a/s/o GE Money Bank, a/s/o Sam 's Club Acct : XXXX XXXX. Amount exceeds {$1800.00}. Debt incurred in 2009 and ten years have elapsed without incurring further obligation or extending the original contract. Account is uncollectable because a 10 year statute of limitations applies in the State of Illinois ; however mailings and several phone calls per week continue.