davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8.Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 
9. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-11-30
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

I C SYSTEM {$170.00} Original creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC (IL)

Below is the letter I sent to my bank, ETrade. I have received no response. 


E*Trade Customer Service , I was a victim of a condo rental scam in XXXX. After making a {$600.00} deposit to secure the rental for a business trip, I was pressured to deviate from the agreement and pay the entire balance ( {$1200.00} ) before checking-in. The landlord aggressively attempted to collect an additional {$400.00} ( see text messages PDF ), but I refused because it was not a part of the agreement ( see email PDF ). The text messages from the landlord were suspicious and confusing. I chose to cancel the reservation. 

I made several attempts to get a refund by calling him, but he did not answer nor return my calls. I spoke to the front desk staff where the condo unit was located but they had no record of my reservation. I made the deposit via XXXX XXXX  but unfortunately after a formal inquiry, the XXXX support team could not reverse or refund the payment that I made ( see inquiry PDF ). I notified the law enforcement authorities in XXXX ( where the condo was located ) but beyond that, there was nothing more they could do. 

Im writing because Ive had several conversations with customer services representatives at E*Trade. I was promised that I would receive an e-mail or form in the mail that I would fill-out and forward back to start the investigation. Ive waited for months and still have not received anything. 

This is my final attempt at resolving this issue before I file a complaint with the FDIC. I also have been waiting months for a replacement debit card ( account ending in XXXX ). Every time I speak to a representative, I receive the same response were very sorry and/or well send it in the mail right away. Each time I would get a different timeframe on when I should expect a letter from them ( i.e. 7-10 days, or 10-20 days, or 3-5 days ). I have been an account holder for many years and this awful display of customer service and lack of integrity/responsiveness is deeply disappointing, unprofessional, and simply unacceptable.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I paid off my auto loan with First Citizens Bank on XX/XX/XXXX. I paid the full amount that I was quoted as the payoff amount. I sent a check the day I called to the address that they gave me on the phone. They processed the payment, sent me a letter stating that it was paid off and sent me the title to the truck. However, they reported the payoff to XXXX as a settlement, not paid in full. This is incorrect and they ackowledged it when I call on XX/XX/XXXX. They said they can't fix it and I need to deal with the credit reporting agency. I reported it to XXXX on XX/XX/XXXX through XXXX XXXX and they refused to change it. I went to my local first citizens branch and spoke to a manager there, her name is XXXX XXXX. She was able to reach out to the corporate office who admitted that they made a mistake and said it would be fixed within ten days. She also emailed me a letter stating that a mistake was made and it would be fixed. I have checked XXXX and the error has not been fixed. It's been over a month since I spoke to XXXX initially and nothing has changed. I called her and she said that it was fixed but not every reporting agency will have it updated. I got a report directly from XXXX today, XX/XX/XXXX and the incorrect information is still there. I took the time to create an account with XXXX to start another dispute and provide them with the letter from XXXX but thier website is experiences technical difficulties and won't allow me to upload the document. I called and the person was barely understandable but I was able to understand that they wanted me to try another browser. I did and the document still won't upload. Therefore, I have no way to dispute this with XXXX. First Citizens is unwilling to help anymore. My scored has dropped XXXX points. Two credit cards have been closed and I got a letter from the credit card company saying that it is because of this delinquent account. I had another credit card company threaten to close my account if I didn't use it. I am in the process of applying for a mortgage and have had to wait until this is clear. Meanwhile the interest rates have skyrocketed since this mistake has been made. First Citizens has damaged my credit in a major way, caused credit card companies to close accounts, and is keeping me from obtaining a mortgage. XXXX will not allow me to dispute the error. I have no where to turn for help. My credit was perfect before this happened. Over XXXX score, no late payments and no accounts with derogatory remarks. I need help fixing this so I can have my credit restored and get a new mortgage.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-21
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)

in accordance with the fair credit act 1. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX Original creditor XXXXXXXX XXXX XXXX 15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-21
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: Global Lending Services LLC (PA)

My name is 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 wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The following IP address use my credit card and physical mailing address to make a XXXX purchase with my credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (WI)

On XX/XX/2022, I received {$2700.00} from NetCredit in my bank account that I did not apply for. I called the company inquiring about the funds. I learned that on XX/XX/XXXX, an application was completed using my maiden name, an old address, an old telephone number, my social security number, my email, and bank account information for {$3000.00}. I received an emailed confirming that I was approved for {$2700.00} deposited into my bank account. The customer service rep informed me that I would have to file a police report for identity theft in order to refute the application. I told her that I want to give the money back because I didn't apply for it, she transferred me to a department that would allow me to do so, but after being on hold for 20 minutes, I hung up. I called again on XX/XX/XXXX, sharing the same information wanting to send the money back, I was placed on hold again, this time I waited for 30 minutes before I hung up. I called again on XX/XX/XXXX seeking to pay the money back but to also inquire about an email I received stating that my application with the same account number and application number as the approved application was denied. This time, to the rep, I stated that I would have my bank send the money back to them if I'm not able to give it back and that I'll report them to the police for entrapment because they wouldn't allow me to pay the funds in order to keep me in the contract and eventually having to pay the monthly installments. She also couldn't explain why I receive the second email that my application was denied. She transferred me and this time I waited an hour before it just disconnected the call. I called again today, XX/XX/XXXX, and for the first time, my number was recognized because before they couldn't locate my account because my phone number wasn't connected to the application and my name wasn't connected to the application. I always had to provide the account number in order for the rep to find my account. After I entered the last XXXX digits of social security number, I was placed on hold to be connected to a rep and after XXXX minutes, no one picked up. I hung up and called again, same thing happened. I haven't been able to speak with a live person since XX/XX/XXXX. I created an account online and have attempted to pay the loan, but when I clicked on " Make A Payment, '' I received the following message : Sorry, we are unable to process your request at this time. Please call us at ( XXXX ) XXXX for further details. With my husband, we launched our own investigation and found that CashNetUSA is affliated with NetCredit. This information is relevant because I have applied for payday cash advances from CashNetUSA, and the first time I did so, I was approved with the information that was used to apply to NetCredit. Based on the XXXX XXXX lawsuit when bankers were creating accounts using customers ' information, we believe a similar situation has taken place to explain how this happened to me.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (OH)

After not telling me anything as to why XXXXXXXX XXXX closed my account, they have caused it to be nearly impossible for me to open another bank account with any other bank! This happened around XX/XX/2022. Without a bank account, I can't get paid and it's causing me so much stress ; I can't pay my rent because I don't have access to any of my money.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (NC)

I signed up for high speed internet. Summer of XXXX. 

Unfortunately the internet worked inconsistently. I live in the Mountains XXXX XXXX XXXX. I contacted them on 3 different occassions after instalation to get the issue resolved.

They put me through to techincal department 3 separate times. They made changes to the router settings. Nothing worked. Took 4 hours to watch a 2 hour movie as it continued to buffer. The internet speed would stop or was extremely slow. Could not attend XXXX  meetings. Was unable to work from home. 

They failed to provide the proper service they advertised. I had to switch to a different provider. 

I disputed their cancelation fee they charged my credit card. They failed to respond to the baks dispute as they could not prove they provided the service. Now they are sending letters. They are not owed money when they failed to provide the proper services.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2022 I received a phone voice message stating it was XXXX and there was an XXXX charge made in the amount of {$990.00}. Call them back if I had not made that purchase. I called them back. 

They said they could get my refund back if I followed their direction. I would need a XXXX account. I did not have that option on my XXXX XXXX, but I did have the option on my Bank of America in Florida. They then started using the XXXX account to withdraw funds from my account unbeknownst to me. During the phone call they tried to assist me by accessing my computer because I did not have a XXXX account nor know about what it was nor how to use one. They withdrew money to XXXX in the amounts of : {$500.00}, {$990.00} and {$990.00}. 

When I realized what was going on, I called Bank of America immediately. They responded that there was nothing they could do. 

I called Bank of America Fraud line yesterday, XXXX XXXX twice, speaking with a different agent each time when I was made aware of Regulation E. Both representatives stated my situation was not covered by the Regulations E because my situation was a scam, not fraud. 

I would like to know why Bank of America does not follow the Regulation E, when I know another bank did so for a friend who had the exact situation happen to him?
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XX/XX/2021 the day this fraudulent inquiry appeared on my credit report I have been trying to have it removed. With nothing but obstacles from Trans union. I previously submitted a complaint here and there response was they sent me an affidavit to fill out and return. I filled it out had it notarized returned it and they send me a letter stating that it didn't appear I sent it. This is just unbelievable, after I've sent them so many documents and letters. XXXX has also responded and said for 4 times they have sent request to Trans union to have this removed. It's very sad the turmoil they create and hardship they instill on the victim. PLEASE PLEASE HELP ME GET THIS OFF MY CREDIT REPORT!!!
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto finance is continuing to report missed payments on a charged off account on a car I surrendered due to severe illness back in 2017. 
The amount is now showing as roughly {$20000.00} but the account is closed and charged off.
Consumer complaint received 2022-04-20
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-08
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. (MI)

XXXX XXXX XXXX  XXXX ; Highest Balance {$10000.00} XXXX XXXXXXXX XXXX  ; Highest Balance {$10000.00} XXXX  ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.