davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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. (PA)

Iam writing to dispute certain disclosures not made by Experian regarding my credit report and I request documentation related to consent and opt out options, pursuant to the regulations specified in 15 u.s. code 1681a ( d ) ( 2 ) ( iii ) and 16 cfr part 313 I recently reviewed my credit report from Experian and noticed certain information that has been disclosed without my explicit consent pursuant to 15 u.s.code 1681a ( d ) ( 2 ) ( iii ) hard and soft inquiries for evidence by law I'm entitled to receive the forms where I can opt what I want disclosed on my report to better my report I never received any forms the whole period of time I be dealing with Experian enclosed with this report are images of my report showing the hard and soft inquiries showing the using of my credit if they can produce the proper forms with signature of mines to dispute my claim please do if not they broke the law I also request the opt out forms that the had supposed to deliver by duty and I would like all forms to be dated and signed with right days times and addresses. If they have this information and documents then they prove they wasn't negligent and unlawful because it is they lawful duty to disclose certain information to the consumer when using there information without my consent you have actually been stealing my identity and using it at will and because of you negligence I have received tremendous damages to my reputation any way of living because of your negligence I was denied and embarrassed on numerous occasions and for all of the denials I did not have the security I needed to adjust to the changes in everyday life which caused affects of homelessness and much more for your negligence I would like to be compensated unless further proving different
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of an inaccurate/incomplete bankruptcy record on my credit file ( Attached ). Additionally I am requesting the removal of accounts being reported as Included in XXXX which is inaccurate. I have been unable to file a direct dispute with the data furnisher because Experian refuses to provide this information. According to the bankruptcy record, US BKPT XXXX is the alleged court of filing, however on previous disputes Experian admitted that the courts DOES NOT report to them, and that they use information provided by a data vendor whom they refuse to reveal, this prohibiting me from conducting a complete dispute. In my most recent complaint ( attached ) I requested the data vendors information and Experian has failed to disclose it. On XX/XX/23, Experian opened a reinvestigation only to update my middle name and they closed the investigation the exact same day, please see attached evidence. There is absolutely no way Experian completed a thorough investigation within hours. Experian has violated the 15 USC 1681g ( a ) ( 2 ) which states consumer reporting agencies must clearly disclose the source of information to the consumer ; as per case XXXX v Experian.
Consumer complaint received 2024-01-07
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: JPMORGAN CHASE & CO. (CA)

Dear Chase, As a XXXX family, we are disappointed by your recent actions. There have been numerous violations regarding XXXX credits and fraud that you have failed to address in a timely manner. It doesn't seem you claim that a second account linked to our home is associated with us. We will inform the attorney general and other authorities about your discrimination against XXXX credits and your unhelpful response. We have provided all the necessary information, including the police report and XXXX documents, but you have not helped us in any way. 

Your letter today isn't significant since you have handled our case poorly. We will file another complaint to the FTC and CFPB regarding your refusal to acknowledge and resolve the fraud. We have been victims of the Marriott data breach and the text message scam. Because of your claim to have acknowledged the cease, you still call us daily, which we have saved on our phone. You sent us a letter stating that this account was closed and opened several times. We have received fraud text links that were used to access already opened accounts and hack into them. 

Although there may have been some changes, I asked you to freeze this account many months ago before I was hospitalized, but you didn't. This account was left vulnerable and repeatedly accessed. It is now beyond the acceptable time to resolve the billing problems, and you are trying to start over, which is unacceptable. This account was linked to the other account associated with our household and was also accessed and managed with fraudulent activity. 

We would like you to close and resolve this account before the year 's end so everything can be done. We do not want to file complaints ; we want this issue fixed, but we will do so if necessary. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (VA)

In XX/XX/2023 at XXXX XXXX, I received a call from the XXXX XXXX XXXX store in XXXX XXXX XXXX. I was in XXXX XXXX in a business meeting and did not pickup the phone. The caller left a message asking me to call back and authorize someone as a user on the XXXX XXXX XXXX account # XXXX so they could add a phone to this account. I did not call back and I did not authorize a phone to be added to this account. Subsequently, back in XXXX XXXX, I went to an XXXX XXXX XXXX store and paid a final bill and closed the account. I had several problems closing the account and had to return to the store twice. Now I have Sunrise Credit Services trying to collect the balance. Since I never requested, authorized or received a phone I am at a loss to see how I can be charged for it. I can only conjecture that someone impersonated me with a stolen identity or that a store representative illegally authorized a phone sale to someone they were working with.
Consumer complaint received 2018-07-11
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. (NJ)

I never applied for these accounts. I don't even shop. I told them to remove and show proof they'd they can't XXXX XX/XX/XXXX XX/XX/XXXX Department, variety, local, regional, and national chains XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal
Consumer complaint received 2024-01-07
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: DISCOVER BANK (CA)

I have notified the concerned authorities multiple times about fraudulent activity on my account. However, they have acknowledged receiving my complaint but have failed to take any action against it. To make matters worse, they have now reported the fraudulent account and balance on my credit report, which is not associated with me in any way. 

Despite my repeated attempts to contact them via phone and email, the XXXX department has not responded to me and has not taken any action to investigate the matter. They have also violated the credit dispute rules and regulations related to identity theft and dispute processes. 

This is a serious matter, and I strongly feel that the account and balance should be removed from my name immediately.ft and dispute processes. 

This is a serious matter, and I strongly feel that the account and balance should be removed from my name immediately.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (TX)

I currently have an XXXX with Optum Health Bank and they are not accepting my weekly payroll deposit into my account even though the funds are withdrawn from the company bank. It is even stated clearly on my check that the funds have been submitted to Optum for deposit. Optum continually refutes this problem and denies that a deposit has been made. Our company and company bank states that the money has been withdrawn from the account and deposited, our payroll concurs as stated on payroll slip.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (AL)

We received a letter from Wells Fargo in late XX/XX/XXXX. The communication was dated XX/XX/XXXX, from Wells Fargo Customer CareXXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) stating : " During a recent review of our current and former customer accounts, our records indicated that you were enrolled in the Identity Theft Protection- Affinion product. The enrollment began XX/XX/XXXX and ended XX/XX/XXXX. 
If you feel that the enrollment in this product was not authorized or not warranted by you, please call us within 60 days of the date of this letter so that we may care for any impact this enrollment may have caused. Otherwise, no action is needed. 
If you have questions regarding enrollment in this product, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls. 
Thank you, Wells Fargo Customer Care '' XXXX  XXXX MEMBERSHIP NUMBER XXXX Reference Number XXXX We called the number provided in XX/XX/XXXX. We asked why, if the service were discontinued in XX/XX/XXXX was our Wells Fargo account debited {$15.00} each month through XX/XX/XXXX? We were offered a refund of {$170.00} for " interest and fees ''. We requested refund of the full amount debited from our account over 13 years, ( {$2400.00} ) for a service that no longer existed. This resulted in an agent " graciously '' offering to add {$250.00} additional to our compensation. With each hold and transfer, agents would give first name only and no call back information. It was obvious that this third party did not have authority to reverse the charges against our account. Their resolution was to mail {$420.00} to us along with a letter to initiate litigation. This " Wells Fargo Customer Care '' call center is merely a time consuming buffer to Well Fargo 's responsibility to customer care.
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received an email last year in reference to a product called balance connect. I was denied. I received another email applied and was denied again this month. Both caused hard hits to my credit. They shouldnt offer unless they send requirements including credit score requirements.
Consumer complaint received 2024-10-31
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. (PA)

I recently submitted a request for an investigation of the noted accounts, which they denied. I submitted substantial information to do a thorough and reasonable investigation. Unfortunately, Equifax failed to do so. If Equifax investigated properly they would have found the items being disputed are being reporting inaccurately on my consumer report.
Consumer complaint received 2024-01-06
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 To whom it may concern : I need to know who you verified the Public Record Information XXXX  XXXX XXXX. 
According to the XXXX report, this public record has been deleted and removed from their credit file. According to XXXX, they disputed the XXXX XXXX information with Equifax XXXX  XXXX XXXX, because it's not verifiable. I demand for this public record to be removed from my credit file immediately, and please do not send me that it has been verified with your dispute, without evidence that you verified it. This must be a lie or you not doing your job accurately according to the law. Please find XXXX  the attachments down below, for XXXX  evidence to support my case. 

I just got my credit report and the Account of Public Record Information XXXX  XXXX XXXX on my credit report is incomplete and inaccurate, violating 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) XXXX  person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts : Public Record Information XXXX  XXXX XXXX XXXX  you have deleted the accounts from my credit report, please send me a copy of my updated report. 

Thank you.
Consumer complaint received 2019-05-17
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: ALLY FINANCIAL INC. (FL)

I have submitted a previous dispute ( XXXX ) and now have been advised by my attorney to enter this final dispute before I file a motion with the courts. 

Ive also attached a copy of the Law contract that clearly shows that I wasnt the Co-signer/Maker. This signer was a XXXX XXXX Only. 

This XXXX XXXX was sold in XX/XX/2012. The last payment was made by XXXX XX/XX/2012.

In the complaint filed above the Creditor attached a Third Party Guaranty, It was written by hand, listed no Vehicle Identification Number, and never disclosed.

This negligent reporting behavior by Ally has been detrimental to me personally since the destruction of my property in Hurricane Irma, Ive been denied credit and/or have incurred higher interest rates due to the inaccurate reporting.

Ive made many attempts to clear this from my personal credit file but Ally continues to manipulate the last payment date, account number, and the amount by {$1.00}, I have 24 months of documentation from all 3 CRAs showing this abuse.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I reviewed my consumer report and noticed that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included a screenshot inside this complaint in on XX/XX/23 thru XXXX.please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand these payments be updated to pay as agreed on time as they should be due to the fact I was never late. 
Thanks! please see screenshot attached.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-09-17
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have been disputing things on my credit report and just yesterday my score  XXXX   XXXX   XXXX  Eq  XXXX   XXXX . I went to check it again because I am currently rebuilding and low and behold my   XXXX   dropped  XXXX  points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The  XXXX  are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are  XXXX  Scores yet it still was a tremendous drop.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XX/XX/XXXX I took advantage of two different offers from Bank of America. One was a balance transfer offer on an existing account, and the other a new credit card offer with a {$200.00} cash bonus. Almost immediately, the new credit card was flagged for fraud and disabled. I spoke to the fraud team and identified one fraudulent charge. They sent me a new card. 

In XXXX, I attempted to login to online access and pay my account, my online access was disabled. I called Bank of America and the customer service rep was unable to unlock the account. At this point I requested paper statements for both accounts so that I could maintain on-time payments. The rep indicated that the issue would be escalated. 

A week or so later online access was still unavailable, so I called to make a payment by phone. The rep was confused, as they were not able to accept payment. Again the issue was to be escalated. 

I received a late notice by mail, and remitted payment using paper checks. 

In XXXX I called again and requested paper statements, as I have not received them and my online access was still blocked. The rep was not able to accept payment, nor access the accounts. Yet again the issue was said to be escalated. 

In XXXX I received another late letter and I remitted payment via paper checks. I drafted a letter detailing the situation and sent via US Mail to Bank of America customer service demanding resolution to include reversal of late fees and restoration of online access. I have not received any acknowledgement of that letter. Shortly thereafter however, I received a letter indicating that my account had been closed ( this pertains to the new account opened in XXXX ). I've gotten no notice related to the existing account that was in good standing and XXXX balance before the balance transfer in XXXX. 

In XXXX I again called customer service and explained the entire situation. At this point the calls are repetitive, as reps have no idea how or why the accounts are in the status they are. 

Today ( XX/XX/XXXX ) I called and was informed that both accounts are closed and in collections. I am furious about this, as my credit has been negatively affected, the interest rates are raised to default rates and I am being treated as a deadbeat EVEN THOUGH MY PAPER CHECKS HAVE BEEN CASHED and reps have confirmed that payments are posted to my account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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/updated. 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. 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!