davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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: LEXISNEXIS (PA)

I contacted XXXX on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. XXXX said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to XXXX on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX Court house. I was transferred over to the supervisor who then confirmed that it was verified through LexisNexis. I told them that LexisNexis does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from LexisNexis was not something they can except because it came from a third party and that LexisNexis has to send an electronic file in order for them to accept it. I called LexisNexis and they said that they were sending out a dispute to XXXX with my new credit file. They also said that XXXX did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. XXXX will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hello, between XX/XX/2020 till now XX/XX/2020 Chase and I have been dealing with an unauthorized withdraw out of my account of {$1000.00} in another city. I followed the necessarily procedures in calling my bank in a timely manner like I was informed by my friend who is a personal banker at Chase. They immediately took action by shutting the card down and sending a new one and promising the return of my money as a small portion of it was suppose to go to another bill. I patiently waited for the return of my card and did not receive it until after I got more information from Chase that they were shutting my account down WHILE a claim was under investigation. When this whole situation went down, they recommended I get the law enforcement involved. Not only did Chase close my account with no reasoning, they also decided to decline by claims days later stating that the card that was used has a unique chip code that cant be duplicated. I expressed how my identity had recently been stolen and how I had to go to SSA to obtain new documents and that anything could have happened. They had no sympathy towards my situation and basically insinuated that I was responsible for the authorization of a transaction that I could not have possibly made due to the fact that I was just getting over a terrible virus and hadn't eaten in two days. I was clearly incapable of pulling an act and instead of giving me information on how I could get this claim re looked at it because I am a broke XXXX XXXX who can not afford to just lose {$1000.00} because the bank didn't reach out and ask if it was fraud, they hung up. This situation caused me to be late on a bill because they froze my other funds with them and have delayed their time in sending me a check for my closed account funds. My friend told me that I did nothing wrong except communicate with them and that there is some federal law for banks following bad practices like this. I can't afford to just let this situation go, I deserve to know who took my money and have the opportunity to get my money back. I was told telling my story here may get me the help I need because of some law about not being responsible for these things especially when you are already going through identity theft. 

Please help.
Consumer complaint received 2020-02-16
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 — Was not notified of investigation status or results
Company: FACTUAL DATA CORP. (TX)

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. 

The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. 
All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. 

The following is just from XXXX  report Factual Data - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX  XXXX XXXX - XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (WI)

I received a voicemail on XX/XX/XXXX. When I called the number back a gentleman who was very helpful answered, explained it was a medical debt and that they sent a statement on XX/XX/XXXX. I said once I received it I would verify it against my payments. I received another call today from a lady ( who insisted I called her, I believe it was a robo-call the call came in at XXXX on XX/XX/XXXX ). When I first answered the call it stating to stay on hold for a rep so I did. She picked up and just asked for my name and phone number. I did give her a first name and phone number. I asked what this was regarding and she said without your information I ca n't tell you. I asked her to understand how receiving a call and then being asked for your information may seem weird. At this point she did have my phone number and first name she could have at least stated it was a debt. Instead of working with me she just hung up. In order to determine what it was for and refer it to the first message I had to google search the number. Now it is XX/XX/XXXX, about half way through ( if not more depending on when they started the action ) for my 30 day appeal or pay and I still have not received a statement to either prove payment or make the payment.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

This is another complaint the regards for Bank of America in regarding a fraudulent dispute that was closed due to no error and is now reopened and not looking at the evidence provided. I opened my original claim and was denied the XXXX day looking as if it went through the filtration system so they did not have to provide provisional credit. The claim was filed on on XXXX for the amount of {$30000.00} which the card was never used by myself and was sent to another address and multiple withdraws and merchants that I did not use. I am seeking that they resolve my claim and refund the money of the fraud that was committed. They also compromised my security of not protecting me with not having XXXX chip and visas zero tolerance for fraud. The claim number is XXXX. I have given them police reports, fbi report, drivers license, social security card and have been in there branch 4 times. If they would of protected me with XXXX I would have not been frauded.
Consumer complaint received 2022-12-16
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please REMOVE the accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {$0.00}
Consumer complaint received 2024-03-09
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-17
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. (IL)

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-08-24
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)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The unverified accounts 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 accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts 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 accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (IL)

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (FL)

I scheduled a payment on XXXX  2023, as I always do and have done for the last XXXX years. The Wells Fargo system did not take the payment until XX/XX/XXXX, which resulted in a late fee of {$32.00}. I called the bank to try and straighten this issue out and they refused to accommodate me even though the payment was submitted timely.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.
Consumer complaint received 2024-03-09
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$310.00}