davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I reported this issue to Experian several times over two years. Provide all documents necessary to remove this charge. The account showed closed in XXXX, but in XXXX XXXXXXXX XXXX account reflects open until today. I have contacted XXXX XXXX multiple times, XXXX has provided documentation of a " XXXX '' balance, and those documents were submitted to Experian. However, they have not removed the charge from the account. Also, The amount is still increasing and hurting my credit score ; I need this to be removed and resolved promptly. The amount in dispute is $ XXXXdocuments attached from XXXXXXXX XXXX XXXX financial Page. They also showed the account in collection, removed it, and reopened it.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX was in a vehicle accident and I had been waiting for the police report to go through online because I work out of state as a XXXX XXXX. I notified the XXXX dealership as I was told to do to find out about my GAP. On XX/XX/XXXX I had gone in to XXXX dealership in XXXX, Tx. and she gave me the information and the name of the XXXX company. I had been in touch with my bank XXXX immediately waiting for the settlement to go through on XX/XX/XXXX. On XX/XX/XXXX the information was sent to XXXX XXXX to a person named XXXX. I then got in touch with XXXX XXXX. On XX/XX/XXXX I sent everything to XXXX because she told me she would help me and submit the paperwork to XXXX which never happened. I again have to do everything by phone and email due to working out of town. I obtained my police report on XX/XX/XXXX and has sent that to XXXX. Then forward that to XXXX XXXX. On XX/XX/XXXX I had been on the phone with XXXX in tears because Truist bank would not supply the information needed for my GAP to pay off the vehicle. XXXX contacted Truist bank as well on my behalf with no information obtained. I have documentation of all the times Truist has been notified with a failure to respond to my requests. I have documentation of my insurance company XXXX making attempts, I also have documentation of XXXX XXXX attempting to notify XXXX of their representatives at Truist bank. I spoke with a female each time I had called and she was rude and after multiple attempts she said she would mail me some information. I never received any information at all. This caused my XXXX not to be paid and now I owe the rest on my vehicle that was totaled. I have good credit and do not want them messing with my credit due to their failure to respond causing my gap not to be paid. I owe a little over {$7000.00} and I am not paying for XXXX vehicles when gap should have paid off my totaled vehicle. I am at a loss and have tried to find a lawyer but none are responding to my inquiries.
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (FL)

XX/XX/XXXX I called Upgrade regarding incorrect information being placed on my credit report. XX/XX/XXXX, Upgrade reported that I was late/missed 4 payments. Everyone I spoke to at Upgrade agreed my account payment history did not reflect 4 late/missed. On XX/XX/XXXX XXXX ( supervisor ) advised he would submit the correction to the credit reporting agencies. XXXX also agreed to send something reflecting the correction that is being requested. I called later that same day to confirm Upgrade was taking action to correct the mistake. My mortgage broker advised a letter stating that would improve my mortgage rates, as the 4 late/missed payments reports affected my credit score. After receiving a balance letter from one of my other creditors, I called Upgrade for the status of my request with them. I have never been treated so poorly by a company I am paying to do business with. on XX/XX/XXXX I was advised by an Upgrade employee that although they maintain my payment records and they report Upgrade sends my account data to the credit agencies, there is nothing they can do. I must wait up to 60 days for the information to be updated. I was refused a manager/supervisor and hung up on. Upgrade declined to send a payment letter. Upgrade told me that this info could be found online or in the app. The app does not reflect the 4 late/missed payments. Everyone I spoke to agrees, so why do I have to wait 60 days? I have to put my home purchase plans on hold for a mistake, not one made by me, one caused by Upgrade. I still feel like I am being punished for pointing out the previous system error on my account.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I was working from home and my email was compromised and i received my first suspicious email at XXXX XXXX, i received an alert that someone named XXXX, XXXX was added to my XXXX account as a recipient through my Bank of America. I do not know who she is and how they got my information. Then i got two more emails saying that a verification code was sent to my email and two verification code text messages sent to my phone. Then my debit card automatically got locked and then unlocked. Then the person transfer {$1400.00} to the recipient 's account at XXXX. All this was happening and i couldn't do anything. So i called the bank and filed a fraud claim and they said to wait 10 days. Today is the 10th day and they told me that my claim was denied because all this happened from my own device, a cell phone and the computer from the same IP address. They said they are only reconsidering to help me with the claim if i could get a letter to prove that my phone and computer was compromised from the scan by the XXXX forensic. However the computer forensic scan cost more than the money the theft took and i don't know what to do. I am going to file a police report as i thought the bank would help me but they aren't. I have been banking with them for 5 years and they didn't trust me and my only option was to have my phone/computer scan which will cost more than the money i lost ...
Consumer complaint received 2023-02-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

To whom is reading this. I am writing this because I am being told by Experian and XXXX that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXXXXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

- I did not give any written instructions to furnish an account to any consumer reporting agency. 

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX Account # XXXX 2 ) XXXX XXXX XXXXXXXX XXXX Account # XXXX 3  ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) Dept of ED/Aidvantage Account # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX Account XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXX XXXX Account XXXX XXXX 11 ) XXXXXXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX Account # XXXX 13 ) XXXX XXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX & XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

This complaint is being filed against Experian. 

Experian generated me with results XX/XX/2023 report number XXXX for account XXXX XXXX XXXX . Experians results were REMAINS and that the company that reported the information has certified to experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

As I look over my updated report that was included with my results this account is reporting a INCOMPLETE Balance, Balance Updated and Recent Payment. The Payment History is also Inaccurate. In additon, there is NO NOTICE THAT THIS ACCOUNT HAS BEEN DISPUTED BY THE CONSUMER in the comments to support experians certified as accurate results. How is it possible for Experian to generate me with certified as accurate results from the company without communicating with the creditor? 

XX/XX/2023 I sent XXXX XXXX a direct letter to there mailing address on my consumer report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX tracking XXXX and XXXX received my letter on XX/XX/2023. I have not heard any response from there company yet. 

According to 605. 15 U.S.Code 1681c ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that includes the disputed information.

According to 623. 15 U.S.Code 1681s-2 ( a ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of any information furnished by any person XXXX consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

The certified as accurate results are in fact INACCURATE and INCOMPLETE and do NOT follow FCRA guideline requirements. Experian had two choice to either delete the item of information or modify the item of information. Experian simply could not modify the information instead they include a report that has incomplete data reporting and no notice that this account has been disputed by the consumer, therefore this item at question should have been deleted. I believe Experian is verifying information by going to other third party consumer reporting agencies instead of following proper procedures by going directly to the creditor for verification, becasue if the company did in fact certify information was accurate with experian then a notice would have been included by the creditor.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX  NA Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!
Consumer complaint received 2024-11-01
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. (GA)

I have been a victim of identity theft, and my personal information was used without my consent, leading to items appearing on my credit report that I was never involved with. Following instructions from TransUnion, I filed a report with the FTC and submitted it, yet these fraudulent items still remain on my report.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$5500.00}
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX is the original account And XXXX XXXX is attempting to collect on the debt that I have no knowledge of nor did I apply for I asked for verification and proof of an investigation and never received any information from the companies Nor the credit agencies that they are reporting to which is reflecting on my credit.
Consumer complaint received 2023-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XXXX/XXXX/23 I contacted 2 reps and a supervisor XXXX in XXXX. The supervisor was unprofessional and refused to resolve my issue. 
I was given 100 % fee waiver for referral. I attempted to make a transaction when I was asked to add pic of my license the page timed out. When I started over the fee waiver was no longer offered. MoneyGram is refusing to give back the waiver although I never used it and the transaction never completed. They offered me a promo in exchange for a referral to their company. This is a misleading and deceptive practice by MoneyGram. This is my first time using the site, and Im extremely appalled at their refusal to honor a promo that was offered to me in writing.