davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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. (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After reviewing my consumer report, I noticed that there was a collection account on my report which I did not authorize ( XXXX XXXX ). On XX/XX/2021, Experian deleted this collection account from my consumer report which I disputed ( See Deletion Page Attached ). A DELETION is ADMISSION of violating the consumer. The following laws were in violation of my rights as a federally protected consumer under Title 15 Chapter 41. I never gave written instruction for Experian to furnish this collection account to my consumer report ( 15 USC 1681b ( XXXX ) ), therefore, for this collection account to be reported, it was identity theft. Experian also allowed XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by Experian ( before furnishing the information ), this collection account should have never been reflected on my consumer report pursuant to 15 USC 1681a ( XXXX ( b ) ), which states a collection account should be excluded from a consumer report. In response to the review of my consumer report, I have sent Experian a correspondence on XX/XX/2021 which included an Affidavit of Truth, invoice, and supporting documents which they received on XX/XX/2021.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A monthly check we wrote to myXX/XX/XXXX mom 's XXXX XX/XX/XXXX for {$7700.00} was stolen, forged an endorsement and cashed. I made an official complaint to my bank ( XXXX ), and they confirmed on XX/XX/XXXX. As requested by them, I the filed an affidavit from the XXXXXX/XX/XXXX saying that they never received the check and it wasn't their endorsement. XXXX sent me a letter on XX/XX/XXXX saying that the responsibility is not theirs but the bank that cashed the check. XXXX said they contacted that bank. It has been five months since I filed the complaint with XXXX and they say they are still awaiting hearing from the other bank. In the meanwhile my mom is out {$7700.00}!!! 

I complained to you about XXXX and their response if that it is the responsibility of the bank that cashed the check - Bank of America. They say that BofA takes 90 to 120 days to reply. My complaint was filed with chase on XX/XX/XXXX - that is over five months ago! And I have no way to reach out to BofA because I have no relationship to them. XXXX is in the middle and keeps saying that it isn't their problem. 

How do I get BofA to respond to XXXX?
Consumer complaint received 2022-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX 15USC 1692 ( g ) Failure to validate this alleged debt. 
15 USC 1692cI Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (TX)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2022-01-05
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I received XXXX letters dated XX/XX/21 and XX/XX/21 from XXXX XXXX XXXX. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from XXXX XXXX XXXX. I called XXXX XXXX XXXX and the representative told me that this is for furniture that was purchased at XXXX XXXX furniture in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to XXXX XXXX XXXX ( XXXX Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.
Consumer complaint received 2022-06-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 2022-04-06
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. (FL)

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 2022-03-21
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: DISCOVER BANK (FL)

My complaint is against Discover Financial Services for failing to remove an unauthorized and fraudulent credit inquiry on my XXXX credit report. I have included a copy of this credit inquiry that appeared on my XXXX credit report ( doc # 1 ). I did not apply for this Discover credit card and have no interest in having a Discover credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for a XXXX XXXXXXXX XXXX auto loan. I did not apply for any of these other auto loans or credit card accounts including this Discover credit card with the exception of the XXXX XXXX XXXX  auto loan that I was approved for and used to purchase a new vehicle. I sent a letter ( doc # 2 ) to Discover on XX/XX/2022 explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my XXXX credit since I did not apply for this Discover credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. On XX/XX/2022 I received a form from Discover that was needed for them to conduct an investigation into this matter. I immediately completed this form ( doc # 3 ) and mailed it back to Discover on that very same day. After about three weeks went by since returning this completed form to Discover I called them for an update on this investigation. I was told that the department that handles this requires that all communication is done by mail. I followed up with another letter ( doc # 4 ) explaining that I had wrote a letter to them explaining my situation and that I also mailed them the completed form that they needed to investigate this matter. On XX/XX/2022 I received another form ( doc # 5 ). This is the very same form that I received from them back on XX/XX/2022. Discover is completely ignoring my request to have this credit inquiry removed from my credit report. This is clearly a case of fraud or identity theft and Discover is not taking this seriously. Having these unauthorized credit inquiries on my credit report is having a negative effect on my loan applications, my acquisition of credit and my credit history. Discover is not doing anything to correct this matter and since they requested my credit report without my permission they are required to have this credit inquiry removed from my credit report.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (OH)

XXXX XXXX - Booked an itinerary # XXXX with XXXX. The full itinerary was canceled but XXXX failed to refund the full amount and only refunded {$260.00} for 2 excursions but failed to refund the hotel portion of {$1300.00}. 

I disputed the XXXX amount with Citi and the investigator required that I provide proof that I actually canceled the itinerary. I sent Citi a copy of an email from XXXX with the heading " Requested Email : Hotel Cancel - Itin : XXXX - Case ID : [ XXXX : XXXX ] '' the body of the email contained the following message ; " Dear XXXX, We are still in the process of contacting XXXX XXXX for your cancellation request, please expect an email update from us within the next 24 hours. Thank you for choosing XXXX. XXXX XXXX Customer Service Team. 

The message is straightforward and obvious. XXXX is in the process of contacting the hotel to cancel my reservation. However, Citi 's investigator sees it different. and in the letter it states " We did not receive a valid cancellation proof in your recent response. '' The email is from XXXX, the itinerary is the same, the message is clear that XXXX was supposed to cancel the hotel reservation in the amount of {$1300.00}. The Citi investigator 's determination is illogical and in contravention to the evidence presented. 

More importantly, XXXX never delivered the goods purchased for {$1300.00} and now Citi is requiring payment for something I never received, which is a violation of the Fair Credit Billing Act 15 USC 1666 ( a ) ( B ) ( ii ).
Consumer complaint received 2022-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I disputed inquiries on my report that I am not aware of. XXXX was the only company to delete the fraudulent inquiries. XXXX and Transunion did not. These are causing me to be declined credit that I need. I wish for them to go back in and verify the information as required by law and have the inquiries removed.
Consumer complaint received 2022-04-06
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-01
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. (GA)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (FL)

I order some shoes from XXXX XXXX AFFRIM PAID THE LOAN SHOP PAY I NEVER RECEIVED THE ITEM I ASK THAT THEY OVERNIGHT THEM I PAID EXTRA THAT WAS LAST YEAR STILLN TO THIS DAY NEVER WAS PUT IN MY HAND THEY CHARGE OFF I PAID IT {$440.00}. THE LAW STATES I NOT RESPONABLE FOR A DEBT I DONTB MAKE OR RECEIVED THIS WOULD INJURY I CONTACT THEM MANY TELLING I NEVER RECEIVED THEM.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im in disbeliefthis morning, I found that incorrect accounts had appeared on my credit report for no reason. I review my report regularly, but today, there were unexplained discrepancies. I tried refreshing my browser, thinking it was an error, but the wrong information was still there. I am truly frustrated and need the documents I submitted to be reviewed thoroughly so this doesnt continue haunting me.
Consumer complaint received 2018-10-02
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: AMERICAN EXPRESS COMPANY (FL)

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/2018 to American Express ( XXXX ).  This item is being report to XXXX credit reports. An official dispute of this inquiry was mailed certified with return receipt to XXXX XX/XX/2018 however that inquiry is still being reported to her XXXX credit reports as of today and XXXX has failed to reply to the status of the investigation as is their obligation under FCRA.
Consumer complaint received 2022-01-07
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: DAIMLER TRUCK FINANCIAL SERVICES USA LLC (FL)

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from Daimler Truck Financial, I never contacted or contracted with this company. I contacted Daimler Truck Financial by phone and letter. This is very frustrating and embarrassing, I tried challenging their Accuracy and Integrity but with no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions. 12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge 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. (CA)

I purchased an XXXX XXXX for my XXXX XXXX but merchant turned out to be a fraud and did not perform the agreed services nor cancelled the contract when I requested. I asked my credit card company for a chargeback and at the end of 90 days they sent me a letter saying that dispute was not approved due to timing of the claim. However, I filed the claim about 3 months after I purchased the services only and when I was sure that I could not resolve it with the merchant. I do know that credit card companies can resolve the dusputes within 6 months of purchase date. This was completely wrong and unprofessional by citibank...
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$570.00}
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (TX)

Not struggling to pay loan, struggling with frauds at Wells Fargo. Illegal Vehicle Repossession. Discovered payments for {$24000.00} auto loan with Wells Fargo Dealer Services " a division of WELLS FARGO BANK , N.A . '' were not being applied. Received notice still owed a little over {$17000.00}. I contacted them and sent copies of all receipts to the address provided. 
XXXX XXXX XXXX XXXX, CO XXXX via USPS certified mail. Received a letter in response where they stated the account would be updated. The account was not ever updated. 
I was at XXXX XXXX gym on XX/XX/XXXX XXXX XXXXXXXX. Came outside and my white XXXX XXXX XXXX was gone. Thought stolen until someone in parking lot said a tow truck took it. Had to call around for a ride, that was extremely frustrating. I never received warning, was still waiting for update to the account. 
" XXXX XXXX : XXXX '' " Repossessed by Wells Fargo XXXX '' I remember using a different number to contact and send receipts : XXXX ( XXXX ) XXXX XXXX is to a company named XXXX XXXX, XXXX which does not have a registered agent and no address in Texas XXXX 
The XXXX XXXX, # XXXX = XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX is a 3rd party, XXXX manager : " CEO '' XXXX XXXX XXXX was unreasonable. 
My debit card was left in vehicle, tools, other miscellaneous items I needed. Wasn't able to recover because the tow company requires a release form to be signed, contained words I wasn't familiar with. They would not allow me to check if all my property was inside first. Unwilling to sign and possibly " release '' from liability, counted as a loss. I was not able to get my son for his visit that month. Needed my car, was low on resources from replacing some items.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (IN)

Aspire cleared the transaction history so I could not view it to hide that they " reversed '' an automatic payment, which was not refunded to my bank account, and then charged me a late fee on the day that I made my next payment. The automatic payment was according to my bank statement XXXX, and they said it was XXXX. Also, the late fee was about that much as well. They agreed to refund the late fee, but refuse to refund the false fee reversal claiming that it is my bank. Clearly they are hiding shady practices, and if my bank, XXXX XXXX XXXX, had received a payment for me, I would have it.
Consumer complaint received 2022-01-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.