davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to express my serious concern about the disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, no resolution or corrective action has been taken. These errors are causing significant damage to my credit file and are severely impacting my ability to live a normal life. 

The consequences of these inaccuracies have put me in a difficult situation, and I urgently need your help to resolve this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is essential that the necessary steps be taken to promptly update and correct my credit report. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CA)

Wed, XX/XX/XXXX at XXXX XXXX  On XX/XX/XXXX I acquired a prepaid debit card at my local grocery store for my child and registered the account via email. I never used it. The only information I have at this point is that the card ends in XXXX. Since that time I have received emails reporting my 'monthly statement is available ' but I have not been able to access the account to see what if any monthly charges have been made. 

Additionally, I lost the card and so did not have the XXXX digit number when attempting to log into my account or reset the password which never worked. ( For some reason the password information I had originally saved did not work. ) I have been unable to reset the password despite multiple attempts including on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

I also called both of the XXXX numbers affiliated with serve ( XXXX & XXXX ) on these dates and they do not recognize my Social Security number so I am not able to request a password reset that way either. My statement reminders come in a no-reply email and there is no contact email for the company anywhere on the Internet ; neither is there any chat option. 

I have been unable to reach them for a year and I want to close the account. I DO NOT WANT this card/account. I am unable to reach anyone to cancel. Can not access a person/option via phone, no online chat available, no email available. I want to cancel and be refunded any money I loaded onto the card when I purchased it.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Was charged XXXX on the XXXX of XX/XX/2022 lexington law took my money they said no payment until they fixed my situation I told them I was mislead they were rude and mocked me I just qant what wasl promised
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (NM)

I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.
Consumer complaint received 2022-11-09
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. (MD)

I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL XXXX CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. EXPERIAN STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE CREDIT REPORT.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (DC)

I, on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), asked Citibank to provide written explanation of why they did not alert me ( by email, phone, or text ) when on XXXX consecutive days UNAUTHORIZED wire transfers occurred to XXXX XXXX XXXXXXXX XXXX {$47000.00} ; XX/XX/XXXX -- {$48000.00} ; XXXX XXXX {$50000.00}. 
I asked Citi to provide written evidence of their process for approving such unusual transactions. Who validated? Who verified? Why Citi did not find such unusual back to back transactions suspicious? 
I asked Citi to explain and answer why the bank did not contact me when Citi knew on XX/XX/XXXX, someone in XXXX attempted XXXX transactions from the XXXX account. I received a call from legitimate Citi number and advised Citi these were not authorized transactions. Transactions were aborted. 
I also asked for written explanation of why Citi would assume XXXX such consecutive wire transfers were appropriate when XXXX HAD NEVER previously originated wire transfers. 
My complaint is associated with XXXX. 
It is not regarding my personal account or any other account.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ATLANTIC UNION BANKSHARES CORPORATION (GA)

I currently have a checking account with Atlantic Union Bank. This account was opened in XXXX or XXXX. I have about {$970.00} on deposit with them. I have had this amount of deposit with them for the last year and a half to XXXX years. It is basically just a savings account. Monthly they would send me an update on the balance for this account. For the last four or five months I have received nothing. Five days ago I started to try to access this account. They have sent me a link to get online with my account. When I tried to do this they said that account had been put on hold because of inactivity. I have called them to explain the situation and they have sent me links to set up a online account and access. They told me that I need to sign a letter and send it to them authorizing them to reactivate the account. I did this yesterday XX/XX/XXXX. I downloaded the letter I signed it I scanned it and I mailed it back to them through their secure link. This morning I called and tried to access the information on my account telling them I wan na make sure that they have received a letter. They tell me that I could they can not authorize me to have any access to my account because they can not authorize who I am. Ive given them addresses and Social Security number etc. They want me to do some sort of a XXXX  meeting with them. I told them that I absolutely refuse to do that as I could pose as anyone. What good is a XXXX meeting when the documents are the most important thing and the fact that they are sending me links to the same email address where they always sent me information about my account. I just had a very heated conversation with them on the phone about access to my money which they are holding against my authorization. I told them that I was going to be getting in touch with The federal banking authorities about the situation being that they would not allow me access to my funds. Please help with the situation Ive done everything theyve requested and Im getting nowhere. Again this is Atlantic Union Bank. There is no office for Atlantic Union Bank in XXXX Georgia. Please help as I find this to be just unacceptable for them to hold my money and not allow me access. Thanks so much, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 


XXXX XXXXXXXX XXXX  Account number- XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have repeatedly requested in writing that TransUnion remove XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX is not listed in the Nationwide Licensing System as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX has in the state of Ohio prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. However, I have reason to believe that the aforementioned entities have mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed. Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the aforementioned entities have reported information about my accounts without obtaining such instructions from me, thereby violating this section of the FCRA. I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against the aforementioned entities to ensure compliance with the FCRA. Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with the listed entities, and any other pertinent information. I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. Thank you for your assistance in protecting consumer rights under the FCRA. Sincerely,
Consumer complaint received 2022-11-09
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. (NJ)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Vehicle ( XXXX XXXX XXXX ) was repossessed XXXX XXXX Credit Acceptance Corporation ( Creditor ) continues to report to my credit reports as an open account. 

Vehicle was purchased for {$7300.00} in XXXX, AZ in XX/XX/XXXX. After interest and fees the overall cost of the vehicle was {$9600.00}. Credit Acceptance Corporation reported XX/XX/XXXX that my remaining balance is {$15000.00}. 

I have reached out numerous times via letters and phone calls and have received no answers or solutions to this problem. 

With the corruption that their prior CEO was just found guilty of and the millions of dollars in pay outs they were forced to pay, this is clearly a company that isnt trustworthy and will manipulate the public to achieve a financial goal. 

The account you are reporting is identified as a ''repossession, yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file.
Consumer complaint received 2022-11-09
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. (NJ)

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/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, I found that under section 605b ( a ) ( Bureau ) shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute the validity of the debt associated with the account referenced above. This dispute is filed under my rights as outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681a ). Specifically : 1. **Dispute Under 15 USC 1692** : I am disputing the debt in its entirety and request that you provide validation of this debt as required by 15 USC 1692 ( g ). Please provide documentation that confirms the amount of the debt, the original creditor, and that I am indeed liable for this debt. Until such validation is provided, I expect that all collection activities will cease. 

2. **Dispute Under 15 USC 1681a** : Additionally, if this account has been reported to any credit reporting agencies, I am disputing the accuracy and completeness of the information being reported under 15 USC 1681i . Please initiate a reinvestigation of this matter and correct or remove any incorrect, incomplete, or unverifiable information from my credit report.
Consumer complaint received 2022-11-09
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX License Number - XXXX, Vehicle Financed - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Vehicle Mileage - XXXX miles, Vehicle VIN - XXXX I was told the car was {$5900.00} and yet after review of my contract on the Credit Acceptance Corporation website it states the vehicle price as {$7900.00}, a {$2000.00} difference, as well as signing an opt out agreement for an " extended warranty '' and " Gap Coverage '' yet after review of my contract I was charged {$1800.00} for the extended warranty service and {$1500.00} for the gap coverage. 

So combined I was overcharged {$5300.00} plus the sales tax, finance charges and whatever other fees came from it. I understand CAC can only go based on the information provided to them, so I'm submitting documentation as proof, so they may review during the process. 

Thank you, XXXX XXXX.
Consumer complaint received 2022-11-09
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$820.00}.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase is reporting to only XXXX that I have 120 day lates from XXXX to XXXX and the date of last activity and account closing was in factXX/XX/XXXX and should n't even be reporting anymore.