davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-09
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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 2016-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

AES is reporting 120 days late remarks on my credit report for XXXX accounts AES/XXXX and AES/XXXX. I completed a student loan rehabilitation program years ago and paid loans on time monthly as soon as I became employed ( I lost my job and defaulted on loans prior to rehabilitation ) in any event i was told after XXXX mos of on time that loan would be out of default and derogatory lates will not be reported and I made actually more than XXXX months because AES was paid in full as I consolidated with myfedloan servicing because I 'm now a fed employee. The accounts are still reporting derogatory 120 days late yet AES /pheaa is showin current closed and paid AES/XXXX and AES/XXXX accounts need to stop reporting old late payments as promised and they defaulted before statute of limitations and should be removed from repeats
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (DC)

My partners and I have a Wells Fargo business checking account that we mobile deposited {$3300.00} into on XXXX/XXXX/2016. The check was from a vendor who 's account is with XXXX here in XXXX. A few days later the funds were pulled out of the account and we were told that the check and been flagged for an inconsistency with the vendor 's signature. After inquiring with the vendor we learned that they never received the funds back from Wells Fargo and thus could not reissue the check. Following this we were also unable to locate the original physical check. Wells Fargo proceeded to open an internal inquiry into what happened and discovered that the check had been deposited somehow at a XXXX. No one within the business possesses an account at XXXX or presented the check at any location. This is the only information we have been able to get and Wells Fargo, XXXX, and XXXX all claim an inability to take any further action to help us recover our funds. Our local branch manager at Wells Fargo is highly unresponsive and what information/assistance we have been able to get has been limited. An individual was able to fraudulently deposit or cash in our check without matching ID or any real verification.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I submitted a complaint to you around XXXX XXXX, but for whatever reason, I do n't think it made it to you as I have not yet received a confirmation email. This is what was submitted : There were XXXX unauthorized ACH withdrawals from my checking account this past XXXX XXXX and XXXX XXXX. I notified my bank after this first group of XXXX unauthorized withdrawals and told them to block any ACH withdrawals from this person. They assured me this was done and refunded my account the XXXX unauthorized ACH withdrawal amounts, without explaining how or why this happened. Thankfully, the amount of the first set of withdrawals was relatively small ( under {$300.00} ). This past month I noticed XXXX more unauthorized withdrawals ( totaling {$390.00} ) and after doing research, I found they were from the same individual as the XX/XX/XXXX/XX/XX/XXXX withdrawals. I again notified my bank on XXXX XXXX. On XXXX XXXX the last of the XXXX ACH withdrawals was refunded. I insisted on an explanation of how they allowed the same individual access to my checking account, after telling them never to allow this person access following the first occurrence in XX/XX/XXXX/XX/XX/XXXX. They said there was an " error '' made and that they assigned my checking account number as this individual 's MEMBER NUMBER and further explained to me, he used this MEMBER NUMBER to set up ACH withdrawals. They also explained their investigation concluded this individual was not committing fraud ( ref USAA response, XXXX XXXX, XXXX ) despite my complaint of fraud by this person. I wrote them back telling them they were totally at fault for assigning my account number as another individual 's " member number '' and this individual should be investigated further. I explained this individual was committing bank fraud because you can not set up ACH withdrawals with MEMBER NUMBERS, just routing and bank account numbers, and his NAME against my account number should have triggered a fault in the USAA bank security system, and should not have allowed processing of his ACH withdrawals against my account. I have asked many times for an explanation from USAA, only to get bits and pieces and excuses why this happened. Their bottom line solution was to advise me to open another account, which I did on my own anyway. I do not see how opening a new account assures bank account security within USAA, and want to know if USAA Federal Savings Bank can be held liable for damages and failure to provide security of bank funds. Additionally, I feel they are liable for these gross errors in assigning my bank account number ( and who knows how many others ) to another member and then processing ACH withdrawals under mismatched account numbers and account owner names. Attached is the history of my conversations with USAA bank.
Consumer complaint received 2017-08-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NJ)

The courses that I was scheduled to take were never offered. They were too few students the school stated to offer the courses and as evidenced by their own accounting transcript classes were cancelled and that there was no teacher available for classes that I was present for. Allegations that I missed classes are erroneous and false. The school promised to provide a quality technology experience that would help me to get back into the workforce. It did not and was not prepared to do so. I signed for an original loan of {$10000.00} but the loan amount was changed on XX/XX/2007 without application for additional funds doubling the loan amount to {$19000.00}. I was not scheduled nor did I apply for a second semester of courses but the school attempted to show on the transcript provided that I did and that I did not attend the classes offered. I have secured all of the documents from the school to support my allegations. To date I have paid over {$30000.00} back on a loan of {$10000.00}. We continue to pay the loan to protect my credit. Navient also indicates that I have missed recent payment but I pay each month. My contention is that the company fraudulently assigned another XXXX to my original loan amount without my signature for classes that the school did not offer and had no intention to offer and for which I did not sign register for. I have attempted for ten years to rectify this situation. I have the relevant documentation to support my claims.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I was first made aware that the XXXX XXXX XXXX XXXX ( XXXX XXXX ) charged XXXX separate penalty fees totalling approximately {$820.00} for previously cancelled reservations to my American Express ( AMEX ) account. I made the reservations with the XXXX XXXX via the AMEX Fine Hotels & Resorts ( web portal ) and the reservations were guaranteed with my AMEX card. I cancelled these reservations in XX/XX/XXXX, months before the scheduled dates of the stay, via the AMEX web portal. I received cancellation confirmations for each reservation from AMEX travel. I have uploaded copies of my cancellation confirmations with this correspondence. For reasons unknown, XXXX XXXX charged me non-cancellation penalty fees on XX/XX/XXXX and XX/XX/XXXX. I have been an AMEX customer for nearly 10 years, and It is my custom to pay my AMEX card to " {$0.00} '' each month before the end of the statement cycle. As such, each month AMEX reports my account to the credit bureaus with a XXXX balance. Due to the erroneous charges placed on my account by the XXXX XXXX, and accepted by AMEX, my account balance jumped from {$0.00} to over {$600.00} in a single credit reporting cycle. This had a catastrophic effect on my FICO score, I have included correspondence received from XXXX evidencing the damage that AMEX has done to my FICO score. My credit score was damaged due to the negligence or willful disregard of AMEX and/or XXXX XXXX. Moreover, this is the SECOND time this has happened. InXX/XX/XXXX, AMEX has accepted a penalty charge from the XXXX XXXX for a cancelled reservation and it took 5 months for AMEX to resolve the issue. There is clearly a systemic failure relating to AMEX, its web portal, or its relationship with XXXX XXXX, that is harming its customers. Between XX/XX/XXXX and the date of this complaint, I have contacted AMEX call times and talked to numerous AMEX representatives, each one attempting to shift the burden of resolving this issue to another person or another department. Finally, on XX/XX/XXXX 2017, I spoke to a customer service supervisor who identified himself as " XXXX. '' I was on the call for a total of 40 minutes, most of that time on hold, before I was able to speak to XXXX offered to credit {$450.00} to my account as redress for my damage and the tremendous inconvenience I have experienced. That amount would not even cover my annual fee. This is NOT a fair resolution for this completely avoidable, recurring error by AMEX.
Consumer complaint received 2024-08-26
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. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent several letters/disputes to Trans Union, XXXX, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX
Consumer complaint received 2024-08-09
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. (MI)

I have read and Im in disagreement with the outcome of your investigation into these illegal accounts as they are ingenious to my ability to obtain credit please reinvestigate these accounts and provide me with the names and addresses of the individuals who validated these accounts send me a copy of my consumer report after the investigation
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
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. (TX)

Subject : Resolution of Billing Error Under USC 1666b and Request for Understanding I am writing to address a recent billing discrepancy on my account with your company, despite the fact that my payments have never been late before. Pursuant to the Fair Credit Billing Act ( 15 USC 1666b ), I am reaching out to you to rectify this matter and ensure that my account reflects accurate and timely payments. 
Account Name XXXXXXXX XXXX Please remove late payment from credit report I want to emphasize that I have always maintained timely payments on my account, and this billing error has caused undue confusion and concern. 
As per USC 1666b, I am entitled to have this billing error promptly corrected and any related fees reversed. I kindly request your assistance in investigating this matter and adjusting my account accordingly to reflect the accurate payment history. 
I value the positive relationship we have established, and I appreciate your attention to this matter. It is important to me that my account accurately reflects my payment history, and I am committed to resolving this discrepancy promptly. 
I would be grateful if we could discuss the necessary steps to rectify this billing error and ensure the accurate reporting of my payment history moving forward. Please provide me with the details of the corrective actions taken and the adjustment in my account. 
Thank you for your understanding and cooperation in resolving this issue promptly. I look forward to your timely response and assistance in correcting this billing error. 
Thank you for your attention to this matter.
Consumer complaint received 2024-08-27
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (AR)

There were two unauthorized transaction at two different XXXX that I did not make or authorize in the amount of XXXX total transaction my tax return money was direct deposit onto NetSpend XXXX XXXX prepaid debit card. And the money was withdrawn off the card. I filed a dispute on XXXX XXXX, 2017 with NetSpend to credit me my money back to my account.They have yet to honor my dispute. The reason being 60 days late reporting the unauthorize transaction.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, my son, XXXX deposited little over {$2000.00} at Bank of America ATM located on XXXX XXXX XXXX XXXX Maryland XXXX. ATM machine got jammed and ate up the money. ATM machine turned off by itself and restarted afterward. ATM did n't give any receipt. I, XXXX XXXX, contacted the number listed on the ATM and talked to several representative before they reimburse me {$2000.00} only. At first, they gave me {$20.00} credit but later gave me {$1900.00} more after two hours of dispute. Because of this incident, Bank of America closed our bank account after 20 years of business on XXXX XXXX, XXXX. They did n't want to tell us why they closed the account and they keep on telling me that they are not obligated to tell us. Today, XXXX XXXX, XXXX, I received a letter from Bank of America. They will be debiting my closed account {$1900.00} because they did n't locate any additional cash from XXXX XXXX transaction. I attempted several times to reach Bank of America 's claims and security department to view the ATM camera for XXXX XXXX. They said I have to get a subpoena using a lawyer for them to respond. I went to branch manger for help with this matter to no avail. Price of lawyer is more than {$2000.00}. I have exhausted all the options and I 'm in dire need of your help. Thank you
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with the following company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.