davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (TX)

15 U.S. Code 1681 Experian has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them.

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Experian could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed XXXX over 4 times with this. And yet Experian STILL shows this account. I am within my legal rights to demand this account be removed from my XXXX report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well.

3. XXXX XXXX - Collections account - This account was paid in full and XXXX XXXX  greed to remove this from my report and yet it still shows in my XXXX  credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

5. XXXX XXXX XXXX XXXX XXXX XXXX  -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

6. XXXX XXXX - This account is closed and paid. There are also several inaccuracies in this account on my credit report from Experian. XXXX XXXX also sent my father certified information to inform us that they are not seeking moneys from this closed account and that it should not appear our reports. However, Experian still shows this account. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Experian has NOT done this! 

I am left with no choice but to start legal procedure against Experian if these accounts are not removed immediately. 

ALSO -- I tried to delete my Experian account and sent them and email demanding this, they sent me an email and TOLD ME DIRECTLY to rely to that email ... .WHEN I DID, that reply said this email account is no longer monitored! to NOT delete my account after I request it is also a violation of my privacy.
Consumer complaint received 2019-11-18
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. (NY)

The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX  Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/XXXX
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Citibank checking account ..I was hospitalized for 9 months ..i have police report and document of all 7 doctors and staff of my condition ... meanwhile someone decided to take my identity and use it ..his name is XXXX XXXX ..It opened up credit cards and took trips shopped used all my money while i was hospitalized ..when i got better i start to open my mail i notice that i was missing XXXX and a abundance of credit card in my name ..I disputed them with Citibank XXXX.I got 1/3 of the money i got back but all the credit cards that where opened in my name and paid from my account where not reimbursed to me ..I get calls every day I have so many debt collectors and had XXXX inquiry on credit report .citibank closed that account and opened a new account for me ..but while the investigation was still going they sent me a letter saying that they have decide to stop our banking relationship with me so they went and closed even my new account ..as of today they still our investigating but didn't want to do business with any longer so now i have no bank account ..i was the victim but they screwed me like XXXX ..I still recovering from my illness ..what a kick in XXXX Citibank is ..also their was a XXXX paymet made to a credit card that they cant find where it went XXXX XXXX
Consumer complaint received 2018-08-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MD)

Chase auto finance is reporting lates/ repo over 60/90 days on my credit report. I have reached out to the credit bureaus As well as Chase to have this lates removed. The dates and the amounts are as follows : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. The amount for each payment is {$420.00}.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have been trying to remove my fraud alert with these agencies, however they have not removed it, please remove my fraud alert from my credit report and security freezes if any. 
A copy of my Drivers licence, social security and utility bill is attach to proof my identity, thank you.
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (CA)

I have asked Experian to provide the Method of Verification on several items on my credit report. They keep sending me emails saying that the items have been verified however have failed to comply and are in violation of FCRA 611 ( a ) which provides that a consumer may request a description of the procedure used to determine accuracy and completeness of the information ... '' They have had more than enough time as I have sent letters on XX/XX/18, XX/XX/18 & XX/XX/18 and continue to receive the same computer generated letter. I demand that the following items be removed from my credit report : XXXXXXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXXXXXX XXXX XXXX   XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX.XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX   XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

My mortgage was sold from XXXX XXXX to Bayview Servicing last year after my mortgage process was screwed up. I contacted the new mortgage company Bayview Loan Servicing in XX/XX/XXXX because my XXXX school taxes had not been paid to the XXXX XXXX XXXX XXXX. The rep on the phone confirmed that the bill had not been paid. She said, I am marking the bill paid and will send an inquiry to the escrow department so they can trace your payment. She assured me that they would research the account and pay any outstanding bills. I received another notice this month stating that if I did not pay the delinquent amount by XX/XX/XXXX that my home would be sold. I contacted them again and was assured it was indeed paid, but they could not provide me with a check number to provide the county. They gave me a tracking number for a XXXX  XXXX   shipment and the dates did not match up to what the agent XXXX said my payment was sent/processed. The county confirms that they don't have my payment. I do not want my home sold out from under me.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/XXXXXXXX   I was emailed and called about a loan I was approved for with XXXX. Little did I know, I was at the beginning of a scam. The fraudsters contacted me via email, and then by phone saying I was approved for the loan. I was excited that I was approved and would be able to pay some things off! Well, things escalated quickly as I was actually speaking to fraudsters who then within minutes deposited 5-6 fraudulent checks into my account! They then told me I had to send the money back immediately to them via XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a " known '' scam that I did not know about. I knew something was not right at the first deposit. I was told They had to do this verification process and then the loan would be the next deposit. I then told them I did not want to proceed nor did I want to take the loan! They kept depositing into my account after I told them that. I felt nervous and in the text messages to them I let them know to STOP depositing funds and I did not want to keep sending them back to MULTIPLE XXXX accounts. Please see the attached emails and text thread. I was threatened over the phone that I would be out of thousands of $ if I did not send the funds back. I was terrified, all I was thinking was that I have to get this money back to them and be done or I would " reap the consequences ''. It wasn't until 3 or so hours later that I knew the only way to get this to be over was to call my bank, USAA. I called to make a fraud claim immediately, and a dispute as well all on XXXX On Friday XXXX even after submitting supporting documents, I was told that I was responsible for the {$3800.00} that my account was in the negative in. The USAA Fraud department ruled this in their favor and not mine because initiated the XXXX and XXXX XXXX  transactions. I am not scammed out of almost {$4000.00} dollars. PLEASE HELP ME!
Consumer complaint received 2022-07-12
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: Recovery One, LLC (OH)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$330.00} with XXXX credit reporting agencies, I requested verification of debt and account however the business failed to provide adequate proof. 
considering the business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof I am not obligated to pay for the alleged debt. account # XXXX I made a request for the recording of the call you stated I made, and I want to see a signed contract. I can get online right now and make this same letter that you submitted in this claim. If you are unable to show me proof that this is me, I ask that you remove it. This is not my account. This account complaint is over 496 days old, and you have yet to show me any proof. Please submit to me either the recording of the call you claim that I made regarding payment or a signed contract. If you are unable to produce these, with the request already being over 496 days old, I again, request this be removed from my credit as there is no validity to it.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

I setup an international wire transfer online with WellsFargo on XX/XX/XXXX. I expected there to be a delay due to the nature of this type of transfer. A week went by and the recipient still had not received the funds. I called the bank around XX/XX/XXXX explaining the situation and they confirmed that it had been completed on their end and that we should provide the confirmation number to the receiving bank to locate. The recipient tried to use that confirmation number but XXXX XXXX was unable to locate a wire with those details. I called WF again around XX/XX/XXXX explaining that they could not find a wire. At this point we double checked all the info I provided and at that point it was confirmed that the information was added correctly, I was asked if I wanted to file a claim or try providing the fed reference number. I said we could try the reference number, so once again I provided the recipient with this info and XXXX was still unable to locate anything. On XXXX I called WF back and opened a claim and was told to give them 10 business day to investigate. I called back on XX/XX/XXXX to get an update and was told that the claim was filed incorrectly and a new one was opened on XX/XX/XXXX and that I will need to wait another 10 business days. On XX/XX/XXXX, I called back for an update and was told that it could take up to 20 days to be investigated, at this point I asked to speak to a manager and was told that since my claim was for a wire transfer there was no set time for the claimed to be investigated and that it will be worked first come first serve. I asked if my case could be escalated due to all the circumstances and that I have been without these funds for over two months and was told it could not be escalated.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I saved money in as required by Citi Account Package, and I was promised to get {$400.00} Cash Bonus if I saved certain amount money for 3 month when I opened the account less than a year ago. I asked the staff recently, and they said I satisfied all the requirements. But now several weeks past, I saw nothing. I contacted them several times, but they said they are investigating this and had some TECHNICAL DIFFICULTIES.
Consumer complaint received 2018-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report dispute request was submitted to TransUnion VIA XXXX XXXX on XX/XX/2018. 
Transunion file number : XXXX. 
I got an update from XXXX XXXX to inform me the dispute request is currently being processed by TransUnion. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither TransUnion or XXXX XXXX. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Consumer complaint received 2023-03-24
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. (DE)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-07-12
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. (MI)

on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

XXXX XXXX XXXX opened XX/XX/2022 balance {$25000.00} reported a late payment on my credit report 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (FL)

in accordance with the fair Credit Reporting act XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-12
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. (NJ)

Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by TransUnion XXXX XXXX, and XXXX are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By TransUnion, XXXX, and XXXX reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank XXXX # 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 2022-07-12
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: Experian Information Solutions Inc. (NJ)

Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by XXXX XXXX Experian, and XXXX are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By XXXX, Experian, and XXXX reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.