davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: WELLS FARGO & COMPANY (MD)

I am writing th

is letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report an
d found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2024-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX I purchased furniture at the amount of XXXX. This came with a 12 month deferment and no interest if paid in full buy XX/XX/XXXX. I noticed on XX/XX/XXXX the the account has been closed and charged off as bad debt well before the agreed terms. I contacted company on XX/XX/XXXX to see if there was a mistake made and ask for the initial contract between us what representative refuse to provide information in reverse the fraudulent action.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX
Consumer complaint received 2022-09-21
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA XXXX XXXX XXXX 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 2024-10-22
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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  I looked at my Experian credit report on XX/XX/year> 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 it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (OK)

on XX/XX/year> I wire {$5700.00} dollars to XXXX XXXX XXXX XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX, for same reason the wire transfer shows only the bank name and so they told me to cancel the wire, and I call Wells Fargo to cancel the wire money, and I pay whit my debit card, but the Wire money never came back to my account. Talk to XXXXXXXX XXXX XXXX XXXX XXXX. they told me they returned the money on XX/XX/year>, Sender reference XXXX XXXX.
Consumer complaint received 2024-12-16
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: CITIBANK, N.A. (FL)

I was contacted by both Citibank and credit monitoring services that an inquiry was made by Citibank on XX/XX/year>. There was an application filed for a new credit card, which I did not make. Citibank denied the new card, but reported the inquiry to the credit bureaus. I have tried repeatedly to get Citibank to reverse the inquiry as it was fraudulent. No one i've spoken to at Citibank has any information on who can do that. I was told by Citibank to report a dispute with the credit bureaus.
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I filed a dispute on XX/XX/year> for a charge on XX/XX/year> for {$1300.00} from XXXX, on XX/XX/year> they requested information asking what was purchased I called in letting the representative in the dispute department know that I didn't know what was purchased because I didn't spend that much with the company. On XX/XX/year> the credit on my account was reversed, the case was closed with them stating I did not provide the information that was requested. I called in again around XX/XX/year> and I was told they saw I had called in but no notes were made and that was why they closed the dispute, because it looked as though I had not provided the information. He said he was reopening it and they had 10 days to rereview it. I called back on XX/XX/year> and I was told it had only been 6 business days and they had 10 so there was nothing they could do. I then messaged them on XX/XX/year> asking the status because it had been over ten business days at that point and still no decision, they will give me no update and keep telling me that every time I call in their 10 business days restarts. I have done everything they asked and they keep messing up my case and not doing anything. They refuse to refund me while they try to fix it saying that they don't have to do it. And multiple times someone from the escalation team was supposed to call me but they never do. I don't know what else to do, I feel like they're holding my money hostage.
Consumer complaint received 2024-12-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

My saving account with Citibank had {$430000.00} and on XX/XX/year> a person was added to my account without my authorization and the person transfer all my money to his account online with Citibank, the bank blocked my account, I went to the bank on XX/XX/year> and opened a dispute about my situation and now the bank closed the case and is closing my account without returning my money back to my account. The person that was added to my account in a branch in another estate ( some one that I dont know ) has my money and his account and the bank also blocked the account after he spend {$30000.00} at several stores, the bank is holding my money on his account and I dont see a way to get my money back because the bank is not working the way they supposed to work with me, XXXX filing very bad and I dont know what to do to get my money back.Help please!!!!
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Payment Resolution Services (GA)

Received a false and misleading refund demand requesting direct payment to Payment Resolution Services , LLC ( PRS ) ( who is not a fiduciary ), conspiring with XXXX XXXX ( qualifying as a fiduciary ), fabricating an alledged claim benefit overpayment of a previously paid medical claim totalling {$11000.00}. XXXX and PRS are aware that such acts fail to align with protected benefits and rights due the insured consumer as documented under applicable plan documents, state and federal laws. However as part of its scheme and without notifying the insured consumer and its plan sponsor providing benefit coverage, XXXX and PRS act in disregard of these consumer protected rights, in exercising its scheme with a focus on their own financial gain. Based on our understanding the scheme results in the wrongful financial gain of both PRS and XXXX which promotes suspicion of and may involve acts that qualify as an unlawful kickback type arrangement, financial fraud, mail fraud, wire fraud and other know prohibited transactions. As recent courts support such systemic use of refund demand and corresponding cross-plan offset schemes are commonly used by insurance companies qualifying as fiduciaries, as a deceptive method to intentionally co-mingle plan funds and recover for its own financial gain, benefits due and owed its insured clients and healthcare providers afforded such benefit payments for healthcare services rendered in good faith.
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA closed a legal guardian account without reasonable notification nor cause. I was not reasonable notified because the USAA disguised the notification under an " account update '' and not " close account notification ''. Without reasonable or adequate cause, the closing of the account, puts financial strain on the XXXX beneficiary of veteran who USAA so heavily markets to. In my opinion, USAA has consistently shown apathy to veterans and their families over the last 20 years. Banking contracts are unilateral contracts between the financial institution and the account holder and USAA showed no consideration.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-04-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was contacted repeatedly by Portfolio Recovery Associates. They continued to threaten me about my credit, even after I told them to verify the debt. I continued to receive calls and it caused stress on my end. I really did not know what to do. This was back in 2018 and I thought it was legal what they were doing so I never complained. The times they reached out to me were XX/XX/2018, XX/XX/2018, & XX/XX/2018. I continued to try to get more information but I was met with bad attitudes and more threats. The issue was eventually taken care of because I felt like I was forced to pay them.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Child Support Recovery Services, Inc. (FL)

I do not owe these people anything. They are fraudulently trying to collect debt that I do not owe. This not mine and it needs to be removed immediately. I paid this lady before I left her XXXX office. You cant even leave her office without paying. So how In the XXXX is she trying to collect money from me now.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION (NY)

On XX/XX/2022, my spouse wrote me a check with an amount of {$6000.00} and I made a mobile deposit on Alliant Credit Union ( Alliant ) mobile app, however my spouse forgot to transfer enough funds from his savings account to checking account, thus this check was returned by Alliant and incurred negative balance on my Alliant checking account ( since I transferred around {$5500.00} from Alliant XXXX XXXX XXXX XXXX Bank after the mobile check deposit ). 
On XX/XX/2022, my spouse wrote me a second check with an amount of {$6000.00} and I made a mobile deposit again on Alliant mobile app, try to make the account balance back to positive. 
On XX/XX/2022, I tried to log in to my Alliant Online Banking and found that the account was restricted. 
On XX/XX/2022, I called the customer service of Alliant, and the representative told me : Dont worry, we restrict your account because your account is overdraft and if you can make a deposit and we will release your account. She then provided me the details of the account on how to receive a wire transfer, including account name, account number, XXXX number and etc. 
On the same day, my spouse used his account and sent a wire transfer of {$6000.00} to my alliant account. One hour later, I received another call from Alliant and a second representative told me that my account will be closed since I was tried to use this account as a hub to transfer fund. I told her that I just transferred once from my Alliant account to my account at XXXX XXXX XXXX bank. And she still insisted that the account is closed and the wire transfer from my spouse was rejected and returned. 
Now I can not get access to my Alliant account and my husbands account was also restricted due to the check and wire transfer were returned by Alliant triggered alert.
Consumer complaint received 2022-09-28
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. (MO)

I submitted a letter on XX/XX/XXXX which was my 2nd letter informing the Credit Reporting Agencies that I am a victim of identity theft and I write 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 an alleged identity theft. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. If the Credit Bureaus claim that the disptued Items belong to me, I need the Credit Bureus to send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I seek, Please remove the disputed items as soon as possible,
Consumer complaint received 2024-12-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am writing to formally dispute inaccurate and incomplete information reported on my consumer report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified discrepancies that do not comply with the FCRA 's mandate for reasonable procedures ensuring the maximum possible accuracy and completeness of the information. 


The account in question pertains to a vehicle alleged to have been repossessed. However, this account is inaccurately reported as " sold. '' As such, I am requesting an updated deficiency balance statement that accurately reflects the current status of the account. 

Your failure to ensure the maximum possible accuracy of this information constitutes a violation of the FCRA. I would like to remind you that under 15 U.S.C. 1681b ( e ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. 


I expect a resolution to this matter within the legally required timeframe of 30 days. Failure to address this dispute may result in further actions to enforce my rights under the FCRA. 

Enclosed, please find copies of relevant supporting documentation for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-17
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 (GA)

My credit card was fraudulently used and after i reported it to the bank they stated the charges were valid and that I made them. The transactions were made in another state ( XXXX XXXX ) and I live in XXXX. The charges were made at a XXXX in XXXX XXXX XXXX XXXX on XX/XX/XXXX. There were multiple charges totaling {$200.00}. Charges were also made at a XXXX XXXX grocery store. XX/XX/XXXX for {$65.00} {$7.00} XXXX. They recently rebilled my account for these charges.
Consumer complaint received 2022-11-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (TX)

This letter serves as a formal demand under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding your companys failure to provide proper debt validation and continued reporting of inaccurate information to credit reporting agencies.

On 10-9-24, I submitted a request for validation of the debt associated with the account referenced above. According to the FDCPA, you are required to provide proper validation of the debt, including but not limited to : The name of the original creditor ; The amount of the debt, including itemized fees and charges ; and Evidence that you have the legal right to collect on this debt.

To date, you have failed to provide the required documentation to validate this debt. Despite this failure, you have continued to report this unverifiable debt to credit reporting agencies, which is a direct violation of 15 U.S.C. 1681s-2 ( b ).

I am also a XXXX  resident and not North Carolina, I will need proof that you are licensed and can legally collect in XXXX as well if you can fulfill the prerequisites. 
This letter serves as a final demand for you to : 1. **Immediately cease all reporting of this debt to any consumer reporting