davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION (MS)

Good Morning, I am writing to formally dispute the interest charges applied to my credit card account, number XXXX ]. I believe these charges are incorrect and unwarranted. 

[ Clearly state the specific dates and amounts of the disputed charges. ] XX/XX/XXXX- I called XXXX and talked to Regions Bank Credit Card ( RBCC ) banker. I inquired about a zero-interest balance transfer. The banker informed me my account was eligible. I availed of it. 

XX/XX/XXXX - my CC account was charged {$10000.00} ( XXXX Credit Card ) and {$420.00} for ( Balance Transfer Fee ) XX/XX/XXXX - My CC account was charged {$33.00}. Upon knowing this, I immediately called RBCC and asked for an explanation about the interest charged. They informed me, that they would take it out. 

XX/XX/XXXX- Purchase Finance Charged {$33.00} was taken out from my account. 

XX/XX/XXXX - Interest charge - Balance transfer {$150.00}. Upon knowing this again, I immediately called RBCC and asked for an explanation about the interest charged. They informed me, that they would take it out. Unfortunately, no action was taken. I kept calling, they told me to wait after a week, weeks passed by. The interest charged was still there. 

XX/XX/XXXX - Interest charge - Balance transfer {$140.00}. Upon knowing this again, I immediately called RBCC and asked for an explanation about the interest charged. They informed me, that they would take it out. Unfortunately, no action was taken. I kept calling, they told me to wait after a week, weeks passed by. The interest charged was still there. 

XX/XX/XXXX- Interest charged adjustme {$.00} ( XXXX XXXX  ) was taken out of the account. 

XX/XX/XXXX- I am curious about what is " Interest charged adjustme '' is to my account, I immediately called RBCC and asked for an explanation about this. 

I talked to a Credit Card Banker named Charsie - she overhauled and checked every transaction from the Balance Transfer Transaction ( she informed me- I called on XX/XX/XXXX, talked to her colleague, and she discovered an error was made. ) until the last interest charged. 
She told me there was no computer glitch. We should have corrected it immediately. She apologizes for the inconvenience that I have endured. She filed a report just like the other credit card bankers and relayed the message to wait for a week. 

I have diligently reviewed my account statements and payment history and have confirmed that I have made all required payments on time. 

I kindly request that you investigate this matter promptly and remove the disputed interest charges from my account. I would appreciate it if you could provide me with a written confirmation of the resolution of this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX  provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I pay for credit monitoring through Experian. My main complaint is in the speed in which they change the status of my accounts. I have other companies, like XXXX XXXX, which is free, who have a better breakdown of my score and all my on time payments are visible. They also put more weight on the fact that I have never been late on my payments and every loan that I have ever acquired has been paid in full at some point without any missed payments. I have a joint credit card with my wife, and we have a few payments that automatically are paid using this account. The minute there is a balance on this account, it shows up almost automatically, and it swings my score by 5 to 10 points monthly. On average, I pay about $ 2k a month to get my credit cards back to where they were pre pandemic, but the balances take so very long to update, and in order for Experian to move a little faster, you have to pay to have it refreshed and even after, nothing changes. I have one account that has changed banks. XXXX is now XXXX. My XXXX account switched to XXXX. On my credit report now, it shows a balance of almost $ 9k on XXXX and {$8800.00} on XXXX. This is incorrect, as XXXX should be closed and show zero balance, as it does on almost all other credit reports that I have. The XXXX balance is actually {$7400.00}, again this greatly effects my credit score. If Experian can not communicate with the lenders and vice versa, they should not swing my score so wildly until all the information available is at their disposal in order to create more accurate scores. This is all so disheartening to all of us that pay our bills on time and have never missed payments, or filed bankruptcy or consolidated, etc. Experian XXXX is also an issue of concern. The app is not accurate and can not figure out what companies are utilities companies and or phone companies. I have had more than 20 straight years of successful utilities and cell phone payments and I have never been boosted. The sole parameter is for them to scan your account, but what they fail to understand is that your account is ACH debited, or funds come off you debit card, or directly taken out. XXXX can not recognize anything and is a completely unnecessary and useless tool for most of us. Its not a product that is easily used or explained to the consumer. Thank you.
Consumer complaint received 2022-07-25
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX 87083**Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 3388****Balance : {$170.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (CA)

On XX/XX/2022, National Enterprise Systems -- XXXX XXXX XXXX, XXXX, Ohio, XXXX, XXXX, XXXX XXXX XXXX accessed my XXXX Credit Report purportedly under the guise of " servicing my account. '' I have no account with National Enterprise Systems.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX  A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US EDUXXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT EDXXXXClosed -Account # XXXX Remove Immediately I have sent several request.!!
Consumer complaint received 2022-07-25
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. (CA)

This is my 10th Complaint that I am a victim of identity theft and I COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. Per required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS are require to remove any items which was opened without my knowledge, consent or authority within 4 business days : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX Balance ; XXXX XXXX XXXX XXXX XXXX {$3600.00} ; XXXX  XXXX XXXX Balance {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXX Balance {$640.00} ; XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (NC)

I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-25
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. (TX)

On XX/XX/2022, I sent a letter requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these accounts from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my requests. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX scam back XX/XX/2021 {$3400.00} paid me al but that amount. The bank employee even talked to the scamers on phone. Told me shouldn't have ok transfer. Told then I thought I was talking to bank. Gave me the money back then turned around took it back out off account. 2 months later.
Consumer complaint received 2022-07-25
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}
Consumer complaint received 2022-07-25
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. (NV)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-25
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. (PA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-25
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. (NV)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-10-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cordoza & Wexler Recovery Services (VA)

Received a phone call with a recording that there was a legal case against me, which is completely false to begin with. The usual stuff stating they needed to get my signature on legal documents at work or home, etc. Pressed 1 and was connected XXXX XXXX ( I believe that was his name ) from Cordoza and Wexler Recovery Systems. This debt was discharged in a XXXX XXXX Bankruptcy XXXX. I must have received 20 calls on this, which I have mostly ignored except to tell them it was in Bankruptcy, they are trying to collect for XXXX  XXXX XXXX. Even tried telling me that because it was through a tribe it wasn't dischargeable even though tribes only have the same rights as a state generally. Seems to be a pattern with Payday Lenders making these false claims and not once have I ever actually been served legal documents from these folks like they keep threatening. By the way a simple internet search on the company will yield several complaints, probably enough to to start an investigation. I'm surprised I actually got a name this time. The phone Number I was actually called from is ( 540 ) 385-0601 ( most likely spoofed ). From the XXXX their contact information is below : Cordoxa and Wexler Recovery SystemXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX http : //www.cordozawexlerrecoveryservices.com/ ( XXXX ) XXXX Thank you,
Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXXXXXX XXXX XXXX  I contacted National Credit Systems to challenge a account they have on file for a balance XXXXXXXX This account comes from a company that I used to work for where i was given the opportunity to live on property at a discounted rate. This account is fraudulent and violates law 15 U.S.C 1681. On XX/XX/XXXXXXXX XXXX XXXX  my employment was terminated and i was told I had 7 days to vacate the premises. Once my employment lease was terminated management never sent me a new lease to sign a contract stating that I would pay them the full amount rent. I never received any eviction notices about this issue or anything. The lease that was provided to me by the XXXX XXXX XXXX XXXX XXXXXXXX was never signed nor did it have the a signed copy from both parties of the Management Associate Addemdum to the lease Agreement. I have forwarded all the documents to this account showing that it is fraudulent. I never signed a new contract guaranteeing that I would the Management company after i was terminated. The company has only sent me a copy of the move out statement as a validation for debt and did not include a copy of the lease agreement. The move out statement is invalid and is loaded with extra charges and fees. I would like this situation investigated immediately and i would like for this account to be deleted. This account is hindering from gaining better employment and housing. I was just denied a higher paying job because of this false information thats being published for the public. I have enclosed all my documents to National Credit Systems and i would ask if your department assist me so i can have this fraudulent account removed from my credit report