davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XXXX 2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. Experian is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
Consumer complaint received 2019-04-29
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. (FL)

AFTER REVIEWING MY CREDIT REPORT FOR THE MONTH OF XXXX, I HAVE IDENTIFIED INACCURATE ITEMS PLACED ON MY CREDIT FILE. THOSE NEGATIVE ITEMS DOES NOT BELONG TO ME AND IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT SCORE. PLEASE RE-INVESTIGATE THE ACCOUNTS.
Consumer complaint received 2020-07-08
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. (GA)

EXPERIAN continues to report this account and claims to have verified the account as accurate!! XXXX  deleted the account because it was found to be fraudulent ... XXXX  is reporting the account as current and paid in full yet EXPERIAN is reporting it as late and a charge off!! I demand complete validation of this account ... I demand the contract bearing my wet ink signature ... .I demand a complete transaction record in regards to this account!! 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] DATE OF BIRTH XX/XX/XXXX SSN : XXXX EXPERIAN XXXX. XXXX  XXXX XXXX, TEXAS XXXX RE : Investigation Request to Delete Incorrect Account Information and Unauthorized Inquiries Dear Sir or Madam : In accordance with the Fair Credit Reporting Act Section 611 ( U.S.C. & 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Also any contract bearing my wet ink signature and verify the educational institution in which I supposedly attended! 
INCORRECT ACCOUNT INFROMATION, The accounts below are reporting incorrectly please investigate these : Account Numbers : US DEPT OF ED/XXXX # XXXX {$3300.00} US DEPT OF ED/XXXX # XXXX {$16000.00} US DEPT OF ED/XXXX # XXXX {$5100.00} Incorrect Credit Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX REMOVE INCORRECT PERSONAL INFORMATION AND UPDATE PERSONAL INFORMATION WITH CORRECT INFORMATION LISTED BELOW. 
[ Please remove all credit inquiries older than 10 days, I have not applied for credit with any company ]
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

Our bank that we have had for over XXXX years was purchased by Truist now they are harassing me with opening new accounts or that forcing me an XXXX XXXX XXXX to go into local branch office if I want to do anything major with my account. We opened a new account online and because our internet goes through a VPN for security they blocked all internet access to my 3 accounts I own. I had to argue with them than spend 3 hours in the local branch risking Covid to get my account unlocked. They than said they would close the new account and we would have to open the new once again after Friday. I than called to get an account opened and they are saying we have to go in again because of comments on our account! The bank is treating me like I am XXXX and saying it's for my protection! That is XXXX they are harassing and abusing me for being a senior who want 's to open a new account for my other son! I stay in 90 % of the time except for doctor appointments or to pick up my medicine and they are wanting to force me to go out during a pandemic after XXXX years of being with the same bank! This is absurd! The reason they locked my account than 3 hours of supposedly getting it fixed and they refuse to allow me to do any banking over phone or internet like opening a new account!

I am about to have to close a total of 6 accounts and go to an entirely new bank if they will not fix this but this is going to be a major problem as I will have to have my pensions, social security, and other payments and processes changed to all new accounts and cards. But I can not remain with a bank that is going to harass me especially during a pandemic and my age risk. They don't care and I tried to get it fixed over the phone with them speaking to managers and they will not do anything on there end!
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

Here is what I just faxed Amex. 

Hello, I will now complain to XXXX because I have every single fax I sent you for at least XXXX months, not only not allowing any recurring payment to XXXX, not authorizing recurring payments to anyone and you Kept on charging me like who cares avout the charges I authorize or not. 
XXXX XXXX For at least XXXX months Ive asked them to stop.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CAPITAL ON BANK CASE # XXXX CASE OF FUND NOT RECEIVED ON TIME AND LOST {$500.00} FOR CLOSING MY HOUSE. 
Capital One Bank Transfer {$350000.00} {$64000.00} Transaction Type : Electronic transfer Appears on statement as : CLOSING THE HOUSE ON XXXX - Withdrawal to Capital One Bank XXXX Memo CLOSING THE HOUSE ON XXXX SINCE A/C # -- -- XXXX WAS LINK TO MY LOCAL BANCK WHERE I WANTED TO HAVE CASHIER CHECK. 

NOW THE ACH WAS GOING TO TAKE 3 TO 4 DAYS I CALL CAPITAL ONE to Capital One Bank XXXX AND AS PER AGENT SPOKE SAID HE WILL STOP ACH AND THEN HE WILL WIRED THE AMOUNT ON SAME DAY. 
CASE # REPESENT ALL DETAILS ON WHAT HAPPEN AND I COULD NOT GET MY OWN MONEY ON TIME AND LOST THE CLOSING OF MY HOUSE AND HAD TO PAY TO MY LAWYER AGAIN {$500.00} EVERY TIME NEW AGENT AND NEW STORY ABOUT WIRING THE AMOUNT THEN THEY GAVE ME THE CASE # SO THAT I WILL GET MY {$500.00}. NO RESPONSE FROM CAPITAL ONE AND NOW THEY SAY THEY CAN NOT PAY {$500.00} FOR MISREPRSENTION OF AGENT. 
THEY GAVE ME THE CASE # AND SAID SOMEONE WILL CALL BACK OR EMAIL BUT NO REPONSE.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

Yes i received a letter in mail about an account I never had or new anything about Im idenity theft victim and this keep happening over and over i have credit lock checking account lock. Every couple months someone is contacting me about a debt i know and i can prove i didnt have. This account XXXX  XXXX XXXX. I guess they sold this account to SECURITY CREDIT SERVICES. ACCOUNT # XXXX. I looked up this XXXX XXXX but i cant get any info on the account about when it was open and where can u please check into this. I never had this account. I just filed bankruptcy this year because of stuff other people did. Someone got car insurance and a vehicle in my name XX/XX/XXXX its so many account credit cards, checking accounts and I dont know what else to do. My phone # XXXX
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was sent a notice of inactive account on XX/XX/XXXX from Bank of America. I called the customer service number listed as instructed within 30 days of the date listed as instructed, but find that they've prematurely closed the account already. When I called the first time, the representative I spoke to told me that the funds ( {$5600.00} XXXX had already been sent to the state. When I called my state 's unclaimed property department, they said they had not received the funds yet and to call back in a month. I do so, and they say they've still not received it and to call the bank again. 

I call Bank of America at this point and the representative asks me to send him a copy of the inactive account letter and to call back in two days. I call back, and they have no record of the call. I end up getting busy with work for the next few months and don't have time to follow up. 

Then on XX/XX/XXXX, I call and am assured that they will be sending out a check and should receive it in 6-8 weeks. I get a reference number.

Another two months go by and I've yet to receive anything. On XX/XX/XXXX, I call again and the representative seems shocked that I've been dealing with this for over a year and gets the issue escalated, and assures me that I should receive a check in 1-2 weeks. 

Almost a month goes by, and nothing. Today is XX/XX/XXXX, and I call again. The representative says I should give it 6-8 weeks, without any confirmation of whether this check has actually been sent, or if it's even been sent to the correct address. 

I've spent countless hours calling and dealing with this for over a year, not to mention the possible loss in investment value.
Consumer complaint received 2021-01-20
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)

I filed the following Consumer Financial Protection Bureau Complaint # XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX has already labeled the complaint as duplicate. This is unacceptable. I want to know why XXXX XXXX XXXX XXXX continues to label ALL complaints as duplicate without any explanation. ALL COMPLAINTS WITHOUT ANSWERING ONE COMPLAINT! The complaint -- -- - The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX Loan # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was XXXX  for XXXX XXXX  and XXXX  in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX  XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and XXXX  XXXX  XXXX  XXXX as evident in her XXXX.
Consumer complaint received 2023-06-28
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXXXXXX 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 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In XXXX of XXXX, I was preapproved for financing with XXXX XXXX XXXX XXXX company. I used the XXXX XXXX to locate a new XXXX XXXX XXXX. I proceeded to the dealership to acquire the vehicle and printed out all paperwork provided by XXXX XXXX to purchase the car. While at the dealership, they kept asking to run my credit to see if I could get better financing. I respectfully declined advising them that I was closing on my house in a few days and I could not have any inquiries put onto my credit. The preapproval from XXXX XXXX XXXX XXXX did not put any inquiries there. While at the dealership doing my paperwork, I get a call from NMAC calling to verify my identity. ( I have fraud alerts and my credit file is frozen, and it was only unlocked so the mortgage companies could run my final credit check. ) I was informed that the call was being monitored and recorded. I asked why they were calling and I was advised my file was submitted for financing, I advised that I was not interested and I was already approved through XXXX  XXXX and would be proceeding with them. I did ask out of interest, how much the interest rate was at which time I was advised 7.22 % which was the same as XXXX  XXXX, so I again declined. I signed all of my paperwork, and on the financing contract is has XXXX XXXX printed and also the GAP contract has XXXX XXXX printed. Months go by and I am waiting to make my first payment to XXXX XXXX and I received nothing. I then received my statements from NMAC at which point I am confused in how my car was financed through them as I went through XXXX  XXXX, or so I thought. I went ahead and started making payments to NMAC as I was advised at that point there was nothing I could do, the deal was funded already. In XXXX of XXXX, my car was totaled and this situation was again brought to the light. In the process of me acquiring all of my docs to submit to the insurance company, I see that this deal was done fraudently. On my contract that was obtained from NMAC, XXXX XXXX is scratched out, without my initials confiming changes and in handwriting NMAC was written in. I also obtained a copy of my GAP contract which they failed to update with NMAC and it still had XXXX  XXXX information. The deal should never have been funded through NMAC and it shows on the contact where changes were made after my original signatures. I blame both the dealership and NMAC for this.
Consumer complaint received 2024-12-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PINNACLE RECOVERY, INC. (CA)

I am writing to formally request the cancellation of the fees related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] based on my timely cancellation within the contractual 7-day grace period, as detailed in the attached documentation.

As a student managing the burden of XXXX XXXX I was in a vulnerable position when I was approached by an overly aggressive sales team during a layover. While under pressure, I was assured that I could cancel the membership if I changed my mind. However, when I later inquired about the cancellation process, I found the representatives to be unresponsive. 

Upon reviewing the contract, I located the specific clause granting me the right to terminate the agreement within seven days of signing. Following this, I promptly submitted my cancellation letter using the only method outlined by the company, as evidenced in the attached documentation. Despite fulfilling my obligations under the contract, my cancellation request was not acknowledged, and subsequent interactions with the company were dismissive and unprofessional. They would also bombard me with phone calls and the few times I did answer in the beginning, they would put me on hold transfer after transfer. 

Given these circumstances and my adherence to the cancellation terms, I kindly ask for the removal of any associated fees or obligations. I trust that you will consider this matter fairly, given the evidence provided, and I appreciate your understanding and cooperation in resolving this issue. 

Please confirm once the fees have been waived. Should you require any additional information, feel free to contact me. 

Thank you for your time and understanding. 

Sincerely, XXXX
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (WA)

I had a balance with XXXX XXXX XXXX  which was well over the correct amount owed. I tracked down the debt and paid it through XXXX on XX/XX/20. The amount was {$3300.00} with a fee of {$97.00} for XXXX service fee. This account is still on my credit report being reported by XXXX XXXX XXXX with a balance of {$6500.00} as it's been collecting interest. I've reached out to the credit bureaus, to XXXX XXXX, and to XXXX XXXX XXXX. I have had no luck with reaching XXXX or XXXX XXXX who took the payment. This is drastically impacting my credit score and unfair as the debt has been well paid.
Consumer complaint received 2021-07-06
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Week of XX/XX/XXXX card declined and overdraft privileges denied. Account remains in closing status. 
XX/XX/XXXX ATM deposit mad and no part of funds released. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX issued unresolved. 
Bankers including two branch managers and an account rep unable to determine why account is closing. 
Online bankers transfer me to the same departments and no supervisor will speak with me. 
I was not able to pay rent on XX/XX/XXXX. Car payment is not paid. Auto insurance lapsed. I pay money to cash my check. 
Risk management initiated the hold.