davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiry. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I would like to dispute the following negative accounts on my credit report. 

Experian : 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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the 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. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : 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 Account Number : {$1200.00} 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

I have written to Parramount two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act ... specifically they could not show me my signature on this alleged debt. Their continued listing this item on my credit report is a collection attempt which is barred under the the FTC XXXX opinion.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (DC)

M & T bank has charged me a service fee on my service fee FREE account for years. This account is coupled with accounts that have direct deposits and substantial daily balances in excess of any normal minimum requirement. 

I am charged monthly {$14.00} which is 3 X the {$4.00} waive fees the bank charges and cancels on each monthly statement. This deduction is reflected on my checking statements of XXXX XX/XX/year> XX/XX/year> XX/XX/XXXX going back years. 

I have brought this to the attention of the XXXX XXXX XXXX management twice, starting on XXXX XXXX, and by three e mails to their service dept, and an hour + long call to their service dept on XXXX XX/XX/XXXX with no resolution of the issue. 

The M & T checking statement is by their design difficult to justify as the number of checks cleared, and their total amount are not reflected clearly, all in a manner to conceal additional charges.
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: M&T BANK CORPORATION (NC)

I called the M & T BANK number on the website asked why I could not purchase on my new commercial credit card updating an old one, and representative transferred me from consumer to commercial and guy asked for the first 5 of my social to verify, then tells me it does not work. He now has my full social security number and our finance department stated it is my last 4. So either he is up to something fraudulent potentially or there is another reason I could not verify my commercial account today XX/XX/year> at about XXXXXXXX XXXX XXXX XXXX. The issue is asking for an odd number for my account rather than last 4. I wish this to be investigated to see if other customers has seen any misuse of their personal data. I now have to have our finance person call to find out why this account does not work and this person has my full SS # since normally the last 4 show up!!!
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America XXXX These creditors has violated my rights. Under 15 USC 1681, Section 602 states I have a right to privacy. Fifteen USC SIXTEEN EIGHTY - ONE SECTION SIX OR FOUR A SECTION Two, It also states a consumer reporting agency can not furnish an account without my written instructions. 
Under fifteen USCS one six six B.

A creditor may not treat a PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

These are the mediation documents that we received from Wells Fargo that we are attaching to this complaint. We dont trust Wells Fargo Bank XXXX They have constantly lied about their actions to resolve our financial problems with them. We send information about the problems and they dont respond with any kind information about our problems. Keep denying the problems that exist. We have been paying on the mortgage since they placed the account in forbearance and the loan amount has not changed since the original loan was done. This is so frustrating and unfair. They sent us checks which does not explain why and what they are trying to pay us for. Just one lie after another. Claim that I went through mediation back in XX/XX/year>. At which time the mediator clearly stated that she was qualified to mediate mortgage or heloc loans yet Wells Fargo continues to refuse to admit the fact about this matter. My wife has been trying to figure out how Wells Fargo able to have information removed from my XXXX account. Now I dont have access to my credit report for this company. Something is tremendously wrong here.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I closed my account after incurring a hardship and set up a payment plan through a debt consolidation program. Both the App and Website didn't allow me to turn off the Auto Payment feature previously set up on the account. Tried working with their website customer service team and was transferred multiple times only to be told again that I needed to do it through the website. After multiple attempts to get someone to turn of the Auto Pay, they deducted another payment from my checking account. 

I finally got the auto pay feature turned off and was told that the XX/XX/XXXX payment would be returned to me via check. After three weeks, I never received the check. I called again and was transferred three times and got disconnected twice before another representative stated that they issued a stop payment and another check would be mailed to me. After another three weeks and multiple follow ups, I never received the second check that was supposedly mailed. I was then told that they would send the refund via ACH. After two weeks from that request, no funds were received by my bank and my bank stated that we were past the 60 day mark for them to request the funds back from Bank of America. 

I called back again and was told that no checks were ever sent nor was the ACH sent. I was lied to on every call by every customer service rep I talked to. Throughout the two and half months, I called 10 times and spoke to 14 different representatives and was never given accurate information. I asked if the refund was even approved and told it was and the funds were on their way. They were never sent and it wasn't until my final call on XX/XX/year>, that a rep was finally truthful and stated that the funds were not sent, she would submit the return of funds request again, but that I would receive a letter in the mail indicating if it was approved or not. 

This was a very frustrating process with no clear number to call or department to work with. I was consistently bounced around and told misleading information with the intent to delay the refund and prevent my bank from initiating the refund from their end. Bank of America does not have a user friendly website that makes it easy to change features on your account and their customer service is the worst I've experience. Bank of America is unethical in this process and at this point, I don't know if I will ever get a refund.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

After a successful purchase from the buyer who bought my phone, paypal held my funds for three anxious days after that it said I could transfer my funds but as soon as I try to do it they limit my account and said they needed more information after providing the correct information .PayPal just decides to ban my account for no particular reason now I can't get my funds and they leave me here confused and a bit worried. Do your best you can to help. Thank you!
Consumer complaint received 2024-10-09
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. (NY)

I am filing this FTC Identity Theft Affidavit to XXXX XXXX XXXX and Experian this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at Pay Pal date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (NC)

I would like to dispute these negative accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE, USES WORDS PURPOSELY TO CONFUSE THE PUBLIC INTO THINKING THAT THE PERSON OR VICTIM, MUST PAY THEIR BILLS IN FULL ... .. XXXX... XXXX  IN A ROW, TO AVOID AN INTEREST CHARGE. 

IN WRITING ON THEIR BILL AND BY SCRIPT TO THEIR HIRED GUNS ON THE PHONE. 

I'M NOT ONLY AN INTELLIGENT RETIRED MEDICAL DOCTOR, BUT A MATHEMATICIAN THAT CORRECTED MISTAKES IN MY PROFESSORS ADVANCED CALCULUS TEXTBOOKS ( XXXX XXXX @ XXXX University ). 

True interest calculated for the XXXX month isnt done until the XXXX months bill ), but its calculated only if there is a balanced not paid by the due date, only on the balance of the bill thats due ( not charges not yet settled or billled by date the bill is produced. For example on bill of XXXX month is paid in full by XX/XX/XXXX, on a bill that due on XX/XX/XXXX : ( XXXX ) they mislead you some portion of charges is involved from month XXXX and ( XXXX ) the calculation not yet done until month XXXX bill produced, is XXXX and is XXXX whenever they calculate the interest charge X XXXX XXXX  for the last 3 days of XXXX nd months bill. THEY CAN NOT CHARGE DAILY INTEREST, when they state if you pay off your bill by the due date ( any due date ) no interest is due, and if calculated X by XXXX $ IS XXXX. 

Also on my bill they wanted me to pay {$100.00} on XX/XX/year>, and was credited XX/XX/year>, on the next months statement, even though the balance due date is XX/XX/year>. 

AND I HAD TO PAY {$600.00} twice in early XXXX ( XXXX and XXXX before due date XXXX ) because of some error at my bank, AND CAPITAL ONE,,,,,, RATHER THAN DELETE THE EXTRA CREDIT, THEY re - ADD {$600.00} on XX/XX/XXXX,,, I'm sure to effect and erroneous interest calculation.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (LA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report. XXXX XXXX XXXX Is reporting on XX/XX/XXXX I opened the account The account is closed and was paid off never late however, they are reporting late payments the Account was closed XX/XX/XXXX of XXXX on XX/XX/XXXX The account was updated on Equifax I have XXXX late payments XXXX late payments in XXXX and XXXX late payment in XXXX Then on XX/XX/XXXX of XXXX my XXXX XXXX was recently updated Stating that I have too late payments In XXXX and XXXX payments in XXXX nothing reported on XXXX XXXX XXXX XXXX  Account XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.