davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (DE)

To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
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. 

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im 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 written anywhere 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 agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

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


letter attached has been Sent in the mail as well
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WA)

Received credit file notification of a collection account in association from XXXX XXXX XXXX in association with XXXX for an account at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had never resided at that address nor had I ever done business with XXXX. I own a home at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX and only XXXX is available in my area. I never received any type of contact in the mail or otherwise about this issue until it was on my credit report. I since disputed this for being a fraudulent account and the account was removed as a result of the dispute. 

Then two months later, I found that now Credence Resource Management that now in XXXX Credence Resource Management has reported a collection for the same amount by XXXX. I also, still have not received a written notification. Information that appears too associated with the said account is the same that has been successfully disputed as fraud. I have mailed a notice and have not heard back but it is again not mine. I am not the only XXXX XXXX, my father and uncle are also XXXX XXXX, though they do not live in XXXX. But there is also a XXXX XXXX of XXXX, WA that is close to XXXX as well. Either way, I have filed an identity theft claim in XX/XX/2019 because of fraudulent accounts and again I reaffirm that this account has nothing to do me, XXXX XXXX XXXX of XXXX XXXX, WA XXXX.
Consumer complaint received 2021-12-13
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. ()

My Experience with XXXX as a consumer my information was on their data breach my identity was stolen and shear with more than one third/parties Trans Union and XXXX. according to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. This affected my credit score in every way emotionally I am stress this really made my life uncomfortable which has lots of negative, and a charge-off. All this was place on my credit history report without my consent I made calls to let them know that is a Violation of the CFPB they told they don't know what am talking about I would like for all this to be deleted asap with and update information it was taking off thanks.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIRST MIDWEST BANCORP, INC. (IL)

I got a call from XXXX XXXX, Branch Manager at 1st Midwest XXXX  in XXXX informing me that he is closing out all of my accounts with no logical explanation. My husband and I are senior citizens and have been banking with 1st Midwest XXXX  for over 20 years. We have automatic deposits in that bank and lots of money and investment accounts as well saved there. 

I believe that XXXX and his boss XXXX XXXX are retaliating against me because I filed a complaint due to the poor customer service I was receiving from XXXX and a teller supervisor on XX/XX/XXXX. I reported them as I should have. 

I spoke to XXXX XXXX this afternoon and his logic for cutting ties with me was very confusing, 1. because " he feels that I'm not happy ''. How would he know? 2. He heard that I called 1st Midwest XXXX  racist. I did not. I just asked XXXX when is he going to start hiring people that look like me? He retorted. " They don't apply. '' 3. XXXX XXXX also expressed concern that the bank discriminated against me over an unsecured loan I applied for a loan 3 years ago. It was denied because I was one point off the banks ' standards. When I inquired about my relationship with the bank XXXX still turned me down. So I took out a secured loan. 4. XXXX XXXX finally stated to me that the bank doesn't need an excuse for closing out all of my accounts while causing me and my husband tremendous inconvenience and more pain and suffering. 

Over the years I have had great relationships with most of the bankers at 1st midwest even those that have left. I have pictures at the retirement party of one banker, never had a problem. It's just XXXX and his " special group interest group '' ( 2 women and XXXX XXXX ) that seems to discriminate against XXXX and senior citizens. Why would XXXX XXXX bring up race and use it as a weapon to close out my accounts? XXXX XXXX, I thought, had a close relationship with me and my husband, he knows that we are both XXXX survivors and my husband had XXXX XXXX within this past year. This is a prime example of poor customer service and taking advantage of senior citizens! What he is doing is retaliatory and is going to cause us a great deal of inconvenience and pain and suffering. 

In closing, one thing I know for sure is that XXXX XXXX and XXXX XXXX, representatives of 1st Midwest XXXX, are trying to deny me my " freedom of speech '' by retaliating against me for reporting poor customer service while throwing everything but the kitchen sink to justify their unprofessional behavior. This is/should be unacceptable in any community in the United States of America. XXXX is a diverse and friendly community our motto is " A Place To Grow. '' as a 30-year resident here I'm accustomed to good, friendly, honest customer service.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

We were defrauded by Wells Fargo. When I called in to get a loan modification I was lied to. The home mortgage preservation representative directly lied to me in an attempt to disqualify us from being able to apply or qualify for a loan modification. He told me that we could only get a modification if we were delinquent on our mortgage. We had never been late at the time of the call. He also said we could intentionally miss a payment. About one year later when we could no longer pay we missed a payment. When we tried to get a modification with a lower interest we were told we didnt qualify because we had missed a payment in the past 12 months. We did however qualify for a 40 year loan at the same rate 6.25 APR. Even though we had been paying what they told us to during the modification they put our home in foreclosure just before giving us the bad news on lowering our rate. We were jerked around and transferred to 5 different loan preservation representatives. One year later we tried again to lower the rate and were told we had been late again even though we had not, and the credit bureau showed no late payment. Then they put our home into foreclosure while we appealed. When they denied our appeal we could not afford to catch up the payments so they sold our home at action. I tried to get an extension on the foreclosure because we could not get a fair price due to covid but once again we received no help from Wells Fargo. We had to fire sale our home in XX/XX/2020 to pay off the mortgage. I want to know if there is anything you can do to help. By the way my wife is a XXXX and even though I told the Wells Fargo representative all of this but they could care less and offered no help even though we were in shut down due to covid.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back in XXXX of XXXX I was applying for a loan modification and instead of reducing my monthly payments they increased it considerably. I was working with an attorney and as an effort applied for bankruptcy to allow more time to negotiate. Chapter XXXX was filed on XX/XX/XXXX and on XX/XX/XXXX I received a Notice of Deficient Filing. Since the bank and I didnt want this to go any further we came to an agreement and the bankruptcy was dropped. Recently I applied for a HELOC loan to make minor improvements in my home and was refused because of a notice of bankruptcy on my credit report. On XX/XX/XXXX I submitted a dispute, # XXXX, and was to have communication within 30 days and to date there has been no feedback. The notice of bankruptcy is still on the credit report and it has lowered my credit to a point where I cant receive a loan.
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2021-12-13
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)

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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

United States Treasury put a hold on my mom 's personal account at Chase Bank in XXXX, froze her SSI check flagging her bank account that 's she 's been dead for the last 2 years. This occurred X/X/2017. Additionally, US treasury charged my mom 's account over {$18000.00} indicating she was in arrears over last 2 years receiving SSI checks and saying that she was not eligible.being dead. My mom is very much alive. <P/>.
Consumer complaint received 2023-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I submitted the appropriate paper work on XXXX to close my credit card processing account effective XXXX due to the closing of my business. I also asked how to return the equipment/ supplies. I have made numerous calls to customer service, each time given a case number and a promise of a resolution, to no avail. They keep referring me to someone named XXXX XXXX XXXX. He will not return numerous calls/ texts. The account is still not closed over three months later and no one will tell me how to return the equipment. What should be a simple process has become beyond frustrating. What a terrible way to do business. XXXX  case # XXXX and # XXXX
Consumer complaint received 2022-07-05
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. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

on XXXX XXXX I made an online order with Macys.com for the amount of $ XXXXthe online order was, ( XXXX ) .I never received the order, however Macys inform me I have to pay for an item I didn't receive.I 've tried on several attempts to get this matter solved, however I'm constantly talking to people that aren't from America.This is affecting my cfrerdit score as well.I 've been a Macys customer for over twenty years and a credit card online shopper for over twenty years as well.I refused to pay for items I don't have.I 'm extremely disappointed in Macys customer service and Macys online department.I would like this off of my bill.
Consumer complaint received 2024-06-07
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: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Customer Service XXXX XXXX Subject : Dispute of Fraudulent Account - XXXX XXXX - Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name. The account number provided to me is XXXX with an outstanding amount of {$490.00}. This account was created without my knowledge or consent and is the result of identity theft, which occurred while I was XXXX. Prior to my XXXX, several sensitive documents were stolen from me, including my Drivers License, Passport, wallet, and a storage case containing other sensitive documents. This incident is detailed in the attached police report. I have also attached my XXXX XXXX, which confirm my whereabouts during the time the fraudulent account was created. I returned from XXXX in XXXX of this year. Given these circumstances, I request that XXXX XXXX  take the following actions : 1. Immediately close the fraudulent account number XXXX and remove any charges associated with it. 2. Conduct a thorough investigation to ensure there are no other fraudulent accounts or transactions associated with my name. 3. Provide written confirmation that the account has been closed and the fraudulent charges have been removed from my credit report. Please consider this letter, the attached police report, and my XXXX XXXX as part of my formal dispute. I appreciate your prompt attention to this matter and expect to receive a resolution within the 30-day period as specified by the Fair Credit Reporting Act ( FCRA ). Should you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your immediate attention to this serious issue. Sincerely, XXXX XXXX Attachments : * Police Report * XXXX XXXX
Consumer complaint received 2023-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Credit inquiry by cap one on XX/XX/23 that wasn't made by me. 
Credit inquiry by trust  on XX/XX/23 that wasn't made by me
Consumer complaint received 2021-12-13
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. (NY)

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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX  XXXX
Consumer complaint received 2022-10-11
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

there is an unauthorized credit enquiry by XXXX bank on XX/XX/22 on my credit report. please investigate and remove this enquiry because it was done washout my consent, thank you.
Consumer complaint received 2022-10-11
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)

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Consumer complaint received 2019-08-06
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. (GA)

I have submitted in writing several complaints and request to update my credit report that is inaccurate and yet they have failed to respond and change my credit report. This has now caused me to be denied for a home loan in which I was in the process of being homeless and much more. XXXX specifically has now failed to change my credit report for the last 3 months which is more than 90 days which is past the 45 days allowed for a investigation.
Consumer complaint received 2021-12-13
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. (PA)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.