davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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 (FL)

American Express failed to properly handle a billing dispute regarding an unrecognized charge in accord with the cardmember agreement and federal law. In sum, my credit card was charged {$3.00} on XX/XX/2023 by a merchant called " XXXX  XXXX '' in " Malvern, XXXX '' But I was not in Pennsylvania and have absolutely no idea what " XXXX XXXX  '' even is. I disputed the charge with American Express and today received a notification from American Express that states the dispute is closed because : " We gathered the attached documentation we needed to explain this charge, and we've determined that you're responsible for the amount in question. '' But the so-called documentation is a computer generated " receipt '' that provides the same information as is on the credit card statement. It doesn't say what was bought, certainly doesn't say that I bought whatever it was, and again states nothing more than something from " XXXX  XXXX '' in " Malvern, XXXX '' I am not responsible for unauthorized charges under either the cardmember agreement or federal law, and American Express ' abject failure to make any reasonable attempt to resolve this issue is unacceptable and unlawful.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, DYNAMIC RECOVERY SOLUT, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DYNAMIC RECOVERY SOLUT XXXX Date opened XX/XX/2021 Balance : {$66.00} ; DYNAMIC RECOVERY SOLUT XXXX Date opened XX/XX/2021 Balance : {$810.00}
Consumer complaint received 2022-11-30
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

After recently being denied for a checking account, I viewed my credit report and noticed many errors. The account listed below is reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately : ChexSystems. The following addresses are NOT affiliated with me. XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX  XXXX XXXX XXXX. XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. There are also unknown inquiries that I am unfamiliar with. 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 ( on behalf of XXXX XXXX ).
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

In XX/XX/XXXX I received a collections letter ; Paypal sent them the account set up in my name with my information. The fraud occurred in XX/XX/XXXX. I spoke with the collection agency and with payapl reps. Paypal would not comply with my requests, but finally I was told that there would no longer - never be - another account with my name. 
I filed with the FTC - ID Theft, following all their recommendations. One such document asked for information on the transactions they -Payapal - processed ; no reponse. 
I spoke with someone in the ID Theft center and followed his instructions. I have seen no charges to me but I would still like some information as to how this happened. This is the SECOND time my ID has been stolen/used with paypal. The first being in XXXX, when I spent much time and effort clearing the issue.
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My ein for my business XXXX XXXX XXXX is XXXX. The account was closed in XXXX.i am waiting for my check of XXXX. Bank of america gave me the tracking Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Filed against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Complaint Description : Account closure check not received. The account was closed in XXXX. I was given a tracking of ups XXXX. XXXX says its lost. I need the check to be reissued and given the tracking number. I have waited a very long time and do not want to wait any further. It is an emergency. 
I need the check to be reissued and given the tracking number as soon possible. I have waited a very long time and do not want to wait any further. It is an emergency. It's not my fault that ups has lost the check.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I would like to emphasize that these addresses and names are unfamiliar to me, and I have never resided at any of the mentioned addresses. Therefore, I request that you promptly investigate this matter and remove these inaccurate details from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you provide. Please note that the presence of incorrect addresses and names on my credit report can potentially harm my creditworthiness and hinder my ability to obtain credit or financial services. The only address i would like on my credit report is XXXX XXXX XXXX XXXX XXXX, tx XXXX kindly request that you initiate an investigation into the inaccurate information and take appropriate action to rectify the issue. Furthermore, I would appreciate receiving a written confirmation once the incorrect addresses and names have been removed from my credit report.
Consumer complaint received 2022-12-19
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items XXXX % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX  XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX Court : US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX Court : XXXX XXXX CT XXXX XXXXXXXX
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (MI)

Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. The amount was, I believe, {$320.00}. It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days " as a matter of policy. '' I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. A few weeks later, they did send me the refund check and I cashed it. First, they called me and told me that I owed them {$500.00}. Then, today they called me saying that I owed another {$400.00}. I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise. 

Attached is the letter that they sent to my husband, and he has been paying for the car the whole time but they wiggled out of answering the question with an excuse that he was not authorized to hear information. 

They called him on the telephone on XX/XX/XXXX at about XXXX a.m. and did speak to him about the " debt '' owed, but would not talk about any of the service charges.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX and 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 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hey Listen, This is getting ridiculous. I have sent many complaints about this and I just am getting tired. I am trying to get a home and this inaccurate and non compliant information is making my endeavors tough. I am trying 1 last attempt before i file an FTC report and with my attonery general. I have alos asked a counsel to help me with this and they told me to try this one more time before they say we go to litigation. 

XXXX XXXX IS MY ONLY NAME XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX IS MY ONLY ADDRESS. 

XXXX, XXXX  & Equifax is reporting bogus and innaccurate information. I know XXXX hit all of us but this is reckless and we cant utilzie that as an excuse to not fix information. 


I have copied all these innaccurate addresses below that are innaccuarate, do not exist. REMOVE ALL IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX  XXXX/ XXXX reported I was late 60 days both months to XXXX  XXXX The same company reported I was 30 days late both months to Transunion and XXXX.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

These people answering my wells fargo complaint. Still refuses to understand anything. Wells fargo didn't use their cause that they can close my account until XXXX XXXX lied about me falsely accusing me of harassing her. They failed to look at the security footage that last day I was in the bank. I was being made to travel back and forth to the bank, because they refused to open me a new checking account over the phone. But this was a set up for XXXX XXXX to falsely accuse me of harassing her. Wells fargo has never statated how I have harassed her because she harassed me and falsely accused me. All these managers keep saying to me is that the bank had a right to close my account. Well they weren't exericing their right until XXXX XXXX lied to them that I was harassing her. But they refused to look at the security footage which would had proved I didn't harass her. The police didn't do nothing to me either, because they saw I was talking to my own banker that day. I never harassed XXXX XXXX, she harassed me. They just need to be shut down as a bank for their continued criminal behavior. 

This is why they had me going back and forth to the bank. So they could do this dirty thing for me and get rid of me. So XXXX XXXX put herself at the bank to falsely lie about harassing her. Wells fargo refuses to do anything or compensate me for their actions of their employee XXXX XXXX. 

The police didn't even back XXXX XXXX that I harassed her that day. But wells fargo wants to back her up and be against me. I am sick of being treated this way.
Consumer complaint received 2020-09-17
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc. (CO)

I was enrolled at XXXX XXXX  University in XXXX but I was not eligible for financial aid. I withdrew from the classes before the financial aid deadline because I would not be able to afford to pay the tuition out of pocket. I did not partake in the classes after that date. It is very ironic and stressful that I am being asked to pay for a service that I did not want to use because I could not afford it. I emailed the XXXX XXXX XXXX office directly but I have not received a response. 

I am not sure what happened with my withdrawal form. I remember editing the PDF copy and post dating it for the day of the financial deadline. The computer that I was using at the time was my old XXXX XXXX which since has had the battery explode and I was not able to recover any information from the device. 

One issue I am having with RMS recovery debt collection is that every time they call me I ask questions to understand the situation and the associates that I speak to simply hang up on me mid-sentence. I have been very polite and have never raised my voice or used profanity. I am simply trying to get some sort of clarification or additional information so that I can move forward with resolving this debt.
Consumer complaint received 2020-09-16
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 have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.
Consumer complaint received 2024-10-20
Product: Credit 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: TD BANK US HOLDING COMPANY (AZ)

In XX/XX/year> i was called by Nordstrom credit card company, stating that my account was delinquent. I spoke to two representatives in the credit department on XX/XX/year>, from XXXX. I told them i had not received any billing statements for these " past due '' amounts. I was told that the billing statements had been sent to my home address and emails. None of which was true, but I agreed to pay the balance, less a {$40.00} late fee, per the representative. He told me to pay {$440.00}, then they would adjust the {$40.00} late fee off of my account, but I had to pay the bill in full first. I paid thru my XXXX XXXX XXXX bill pay on XX/XX/XXXX, XXXX. I never got any statements, nor was I able to log into my Nordstrom account on-line. On XX/XX/year> I was denied on a XXXX credit card application because Nordstrom has reported me past due on payments. I have no letters, emails or statements from Nordstrom until today, XX/XX/year>. I received a past due statement in my email! What kind of scam is this? I get no bills until ther report me delinquent and trash my credit history and score? This does not seem right. 
I moved to XXXX in XX/XX/year>, and I explained that to the representative in XXXX. 
I have a XXXX XXXX and use XXXX XXXX to communicate to the US. 
No mail has been sent to my US address and no emails, so how can they just report me delinquent when there is no record of charges, and or adjudication after my XX/XX/XXXX payment? 
The last time I spoke with them, they told me that they don't keep recorded conversations or communications, but I am supposed to know when my account is delinquent? How can they tell me there is no record of mailed billing statements? How can that be? This all seems like it is set up to " catch '' creditors. I would like an explanation of my charges, since nothing has been sent to me personally. They were paid in XXXX, what happened between then and now? I have not used the card or charged anything, since it is not in my possession. This is so unfair credit practices if ever there was!
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to 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 inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ;