davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (GA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XX/XX/year>.
Consumer complaint received 2024-08-23
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. (NY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

After the third time trying to fix my mortgage account with Chase I have given up and need your help. I have a mortgage account that I have been paying on for 19 years that is not being shown as an open account. It is current and has been for many years but I get no credit from the credit reporting agencies because it is being reported as closed. My credit scores are being affected greatly because of this situation. It states on my credit reports that the lack of a mortgage account and a installment account is holding down my scores. All I would like Chase to do is report this account accurately to all three bureaus. I opened this account XX/XX/2004 and just made another on time payment.
Consumer complaint received 2024-01-22
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: EQUIFAX, INC. (MD)

To Equifax This letter is a formal complaint that you report inaccurate, unauthorized, and possibly fraudulent credit information. 
UNDER THE LAW 15 USC 1681 SEC. 623 IF NO RESPONSE AFTER 30DAYS THATS ANOTHER VIOLATION UNDER LAW 15 USC 1681 SEC.

611 ATTACHED TO THE ACTUAL CONSUMER COMPLAINT Everything must be 100 % accurate. YOU STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL AND ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
I request that you immediately remove the accounts listed : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Under 15 USC 1666B, I demand you to update the payment record in this account. 
ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT! 
I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 
Please see the documents included with this letter for my proof of identity and address. 
Thank you, XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

Ive been charged AFTER I closed the acct. they have done this to me XXXX  {$15.00} of the balance was fraud/disputed back XXXX XXXX & they credited my acct only to re-charge the XXXX later on so I was very upset & texted w many diff CS reps ( I am deaf ) only to get more upset bc they refuse to take it off-even tho the acct was closed. How can I pay the balance on XXXX  only to b charged {$4.00} same day!!! Doesnt make any sense & they already ruined my credit score for this so I am fighting it bc its WRONG-so wrong & against my principles. I shouldnt have even paid the other amt bc half wasnt correct. Theres also NO ACCT # on the card & I never got a statement the entire time Ive had the card-couple months so idk what to do bc next step is asking for acct # - Either way-thank u for ur help & I hope & pray this will b resolved
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (PA)

I am owed XXXX XXXX Dollars for a credit card balance refund. 

I have called in XXXX times, per my records. I have sent XXXX Emails, and XXXX direct messages to the support team. I have contacted the highest level of support. 

It appears they have absolutely no intention of returning my money to me. 

They claim that a check was sent, but it was not. I have also not received an affidavit or an electronic transfer either. 

I am beyond words at my frustration here. I am quite certain they are making no effort to amend this because it has been over a month so far.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (SC)

Since XXXX  I purchased a vehicle from XXXX and BridgeCrest is the Creditor. I have not been able to get them to respond in a timely manner. I have sent copies of my concerns and complaints to them and the have not given me a proper response. I have found discrepancies in the Bill of Sale and Retail Sales agreements. Both parties have violated my Consumer Fair Rights, my Right to Rescind, Complaint Regarding Fraud and Misrepresentation Violation, violation of FCRA 15, code 1666b, disregard necessary steps to ensure the fair treatment of consumers in accordance with FCRA guidelines and my Request for Consumer Protections and Disclosures Under the Truth in Lending Act. I have contacted the company that associated with settling out of court as stated in the contract and no response. The vehicle is non-drivable and been under repair for two years with ongoing issues.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

An account was created with my information that is fraudulent and in result lead to collections. What I was able to gather from the collections agency is that this account is for XXXX XXXX and was created XX/XX/. The email address, home address, phone number that was associated with XXXX XXXX is fraud and never owned by me.
Consumer complaint received 2024-01-12
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: Resurgent Capital Services L.P. (NY)

in accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681, SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604 a SECTION 2, It also states a consumer reporting agency can not furnish an account witout my written instructions, Under 15 USC1666 b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-19
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)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA reporting different information for same account across XXXX XXXX Continues to report XXXX delinquency and missed payment though the account has been charged off for XXXX years Reporting high credit utilization No statements provided to me as a consumer
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (FL)

BBT bank is claiming i owe them XXXX. I HAVE NEVER RECEIVED ANY ''BILL '' A STATEMENT IS NOT A bill you XXXX XXXX and yu probably discharged it to my social security trust account like you do to everybody else, BBT bank also SOLD THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE BECAUSE IT HAS VALUE, THESE ARE XXXX LIAR CRIMINALS,, I NEVER RECEIVED A ''BILL '' OR A SWORN VARIFIED COMPLAINT OF ANY WRONG DOING
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TN)

It is impossible to get technical support once you get logged out of your account. When you call customer service they say they can not transfer you or help you. They give you the same phone number and say you need to ask for technical support. The automated system does not recognize technical support and routes you back to the main menu. 

After asking for a XXXX, I was finally transferred to to another department and hung up on immediately. I've spent XXXX minutes trying to pay my bill and unlock my online account. 

Their customer service is terrible, and they force consumers to know specific terms in order to get anywhere in their phone system. 

Lastly, my name is incorrect in their system, has been reported to the CRAs incorrectly and the CRAs have refused to fix it because Citi continues to report it.
Consumer complaint received 2024-01-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TN)

I tried to move. When they pull my report they told me I had {$1000.00} debit on my credit report. I called the company they couldn't explain and couldn't find notes. I called the agency at the time. They couldn't explain. I disputed through my credit report and they removed it. 2 months later they put it back under a different agency. I've had issues since then. This bill is not accurate. There is no way they would allow someone not to pay and they still have service. On one call they said I didn't return equipment. I found a receipt that shows I did in fact return equipment. Please help me. This is NOT accurate and it's wrong of them to keep reporting this year ' after year. I don't know what todo. No cable company is going to let you keep service month after month with out you paying your bill, but they are telling me. That's what this is and equipment fees. When I asked for an itemized bill. It started with {$300.00} something dollars ( no explanation ) then continued to add charges from there. Things that I wasn't suppose to be charged for was on there. I'm told they can't see the notes but I'm expected to just pay it. This is not right. I had not had service for 5 or 6 years when they put this on my report put the blue. I think it's wrong they couldn't get the notes and details buy they have a balance that doesn't make sense.
Consumer complaint received 2024-01-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (FL)

Good morning I started doing online payment each month without communicating with any rep because is only from Monday to Friday, and I can get a time on working hours, I went to the Hospital website and I started payment each month and I keep receiving letters that I owed same amount of Money, I keep all documents on record, I believe a fraud is on one of those part involved, any payment Have been posted,
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (VA)

I began the process of opening a " checking account '' on Chime on XXXX. I'm not 100 % sure but I apparently did something out of the ordinary while sending my {$9000.00} to the chime account, and consequently had no bank record at my bank of the transfer because it went through as a transfer rather than a deposit. It was all done online. I received an email from XXXX that says Transfer Initiated. I am attaching a copy of this email below for your reference. There is no documentation of this transfer at my bank until XXXX when the money cleared from my checking account. There is a hitch regarding this transfer as it cleared my bank as XXXX rather than Chime which just seems to add more confusion to this issue. 

The real issue here is that my account at Chime is locked. I don't know what my account # is unfortunately. I never got that far. All I can say that the account is linked to my cell phone # which is XXXX I have been back and forth with Chime " Member Protection Team '' at least 25 times unsuccessfully as they are insisting that they have to have a copy of a bank statement from XXXX XXXX XXXX dated XXXX showing the transfer of the {$9000.00} to Chime. The problem is there is no such entry on my checking account. The only record I have of this transfer is the email from Chime and then finally on the XXXX of XXXX the money cleared and showed up on my checking account statement. I have made several trips to my bank and they provided a letter documenting all activity on my checking account which verifies that there is no documentation of anything on XXXX. So ... ... ... XXXX has my {$9000.00} and I have no way of getting to it. They have said on the phone that they can see that my money is in the Chime account. I know this isn't legal- it's Fraud isn't it? 

The message you will see in my attachments from Chime in response to my submission of numerous documents and letters was received by me over and over again. It felt as though my problem was being handled by a computer rather than a person. They refuse to offer any kind of solution aside from the demand over and over again a document that doesn't exist!! 

I really need help. I'm a retired XXXX. I'm XXXX XXXX XXXX and I'm at my wits end trying to make any headway with these people. We're not in a financial situation where we can afford to absorb this loss. I dearly hope that you are able to resolve this and have our account unblocked or force them to just return my money. I wouldn't use this Chime account if my life depended on it. I'm going to forward copies of my correspondences. 
I thank you in advance for your intervention in this matter. XXXX XXXX
Consumer complaint received 2024-09-07
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)

I am writing to file a formal complaint regarding TransUnion 's fraudulent reporting practices that have caused significant harm to me. On XXXX XXXX XXXX, I received a letter from TransUnion confirming the removal of six fraudulent accounts from my consumer report. However, on XXXX XXXX XXXX, XXXX XXXX was re-added to my report without my knowledge or consent. Similarly, on XXXX XXXX XXXX XXXX XXXX XXXX appeared on my report, again without notice or written authorization from me.

On XXXX XXXX XXXX, I made several attempts to contact TransUnion regarding these unauthorized changes. Despite multiple calls, I only received one callback. During this callback, I spoke to a representative named XXXX XXXX ( ID # XXXX ) at XXXX XXXX. XXXX reviewed my consumer report and noted that these accounts were not reflected in his system at that time. After updating his system, he acknowledged that these accounts should not have been added without my explicit written consent and assured me that they would be removed immediately. He then transferred me to another representative named XXXX at XXXX XXXX 

XXXX refused to provide her employee ID number and falsely claimed that she was unable to do so. She also refused to provide any documentation or explanation as to why these accounts were re-added to my consumer report without my permission. Furthermore, she stated that I have no control over what is reported on my consumer file, claiming that creditors own and control what is reported, and that consumer protection laws are designed to be used against me rather than to protect my rights. This interaction was highly distressing and has further compounded the emotional, mental, and physical harm I have suffered as a result of TransUnions actions over the past 10 months. 

I have previously notified TransUnion of four data breaches in which my personal information was compromised. I have submitted reports to the Federal Trade Commission ( FTC ), filed identity theft reports, provided police reports, affidavits of truth, and a power of attorney that overrides any and all permissions. Despite these measures, TransUnion continues to act in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), and the Code of Federal Regulations ( CFR ).

TransUnions repeated failures to address these issues, and their unauthorized and fraudulent actions, have caused me severe distress. Their practices are in clear violation of federal consumer protection laws, including the FCRA, which governs the proper handling and accuracy of consumer reports. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold TransUnion accountable for its continued violation of my rights.
Consumer complaint received 2024-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to formally dispute a recent inquiry that has appeared on my credit report without my consent. After reviewing my credit report, I discovered an unauthorized credit inquiry made on XX/XX/year> by Bank of America. 
Details of the unauthorized inquiry are as follows : Inquiry Date : XX/XX/year> Creditor/Company Name : Bank of America Inquiry Type : Hard Enquiry I have not provided any authorization for this inquiry, nor do I have any business relationship with Bank Of America XXXX As a consumer, I am entitled to know the details of any information accessed on my credit report and to dispute any unauthorized inquiries. 
I am formally requesting that you investigate this matter promptly and remove the unauthorized inquiry from my credit report.