davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) 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 need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America breached my account holder 's contract by paying out {$19000.00} to a non-owner of my individual account on XX/XX/XXXX. I was the sole owner of this account as shown on signature card and verified by Bank of America on three separate occasions after this date. Pursuant to the account agreement, Bank of America should not have permitted any withdrawals from this account except those on the account owner. However on XX/XX/XXXX Bank of America accepted a checking /savings withdrawal from the non-owner in the amount of {$19000.00} as shown in the photo copy. 
I immediately notified Bank of America and tried to stop payment on this transaction XX/XX/XXXX but since this withdrawal was done in person on XX/XX/XXXX the money was gone from my account and the cost of the Stop Payment was return to me. I notified Bank of America of this fraudulent withdrawal by filing a Fraud Statement of Claimant form on XX/XX/XXXX. I also reported this to the XXXX Police Department. 

Getting no positive response from Bank of America I enlisted a local attorney XX/XX/XXXX. Due to deteriorating health issues that caused me to be diagnosed with XXXX XXXX XXXX XX/XX/XXXX, I was not able to pursue this case further since the XXXX was a two year XXXX XXXX XXXX XXXX  from several treatment centers and hospitals in XXXX and XXXX XXXX Missouri. Finally in XX/XX/XXXX my attorney sent a letter to Bank of America Legal Department stating our case against them. On XX/XX/XXXX Bank of America responded asking for documentation to be sent to fax number XXXX. Copies of the individual signature card, individual signature card with personal bankers name, Fraud Statement of Claimant, and Bank of America withdrawal slip for {$19000.00} from the non-owner honored by Bank of America were all sent by my attorney on XX/XX/XXXX to Bank of America fax number as requested by the Bank of America Legal Department. However, as of XX/XX/XXXX no other response has occurred to my attorney or myself since XX/XX/XXXX from Bank of America.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In an attempt to place a protected consumer freeze on a minors account, my son, I sent required documents to Transunion on XXXX XXXX, XXXX. Received a letter stating they had received all required documents, not including {$5.00} fee. I sent a check with all those documents. Attempted, 3 phone calls on Monday, XXXX XXXX, XXXX, none of the documents can be located. This is such sensitive information and should be a way to contact the United States Office of Transunion. I kept getting disconnected every time they transferred me. Three numbers I called were, XXXX, XXXX and XXXX to no avail. Now with my sons information and mine floating somewhere at TRansunion ( or not, since no-one can locate it ) it is a security risk. Such poor handling of sensitive information.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year 2022 and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : 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 Requesting Experian to correct my name and remove all other inaccurate names immediately.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX XXXX contacting. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the XXXX and TransUnion Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 604 ( a ) section 2 also states a consumer agency can not furnish an account without my written consent.
Consumer complaint received 2023-01-04
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)

At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops. 

XXXX, XXXX XXXX, and experian are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again XXXX, XXXX XXXX, or experian and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

XX/XX/XXXX at XXXX XXXX I received the following Email : Title : Do n't Forget : Earn XXXX Membership Rewards ( R ) Points Dear XXXX, This is a reminder that you can earn XXXX Membership Rewards Points after you spend {$2000.00} in eligible purchases on the Card between XX/XX/XXXX and XXXX/XXXX/XXXX as part of your original welcome bonus offer when you received your Card. 

Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. 

If you have any questions, please call the number on the back of your Card. 

Thank you for your Card Membership, American Express Customer Care So I spent more than XXXX later but did not received the claimed bonus. After I contacted more than 3 representative, they said the date was not correct. The spending frame should actually start from XX/XX/XXXX. So they suggested me to spend another XXXX, instead of righting their wrongs : issue the bonus to me right away. One of them even claimed it was my fault for reading terms when I opened the account. I think Amex should admit their mistakes and compensate their customer instead of stimulating him to spend more on their product. After I spent long time arguing with them, they agreed to open an " internal investigation '' and wanted me check with them in 6-8 weeks. 

I had some bad experience with the so called investigation on a different issue : last time one representative told me to come back in one week for a satisfactory answer. I did but was only told by another representative no result yet. I kept doing this for two months, wasted a lot of time, and eventually gave up. Even today I still did n't get any result. So this time I suggested the agent to send me an email once there was any result but the agent said they are not able to do that. I really do n't want to waste my time waiting on a void answer. Wanted to say something more and the chat got disconnected, again! I tried to contact them earlier and it got disconnected too after I spent a lot of time explaining this issue. 

So I decide to stop wasting my time and finally file a complaint here. I think Amex 's attitude is problematic.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I asked that Wells Fargo stop XXXX fraudulent wire transfers from my checking account on Friday, XX/XX/XXXX. The transfers were initiated at about XXXX  and I requested the stop at XXXX pm. The stop was finally placed at XXXX pm on XX/XX/XXXX, after the cut off for that day. 
It seems that on Monday, XX/XX/XXXX, the stop payment finally reached to the fraudulent account at XXXX XXXX XXXX to stop payment. 

I communicated with Wells Fargo XXXX XXXX XXXX  to find out if the stop payment was effective and if/when XXXX XXXX XXXXXXXX XXXX XXXX funds. Wells Fargo will not respond to my request for information, but instead has required I sign a Release of Liability form with potential response within XXXX business days. 

I need to know if Wells Fargo was able to stop payment or if the criminals who defrauded me have the funds. When defrauding me, they posed as Wells Fargo employees that were helping me find unauthorized transfers on my debit card. The imposters sent the Wells Fargo text verification codes to my cell phone, so I believed they were really working for Wells Fargo. 

I believed them and made the wire transfers to the XXXX XXXXXXXX XXXX accounts the imposters gave to me. 

To date, I do not know if the criminals were able to get my funds or if Wells Fargo intercepted the transfer in time. Wells Fargo will not give me this information. I need this information to give to the police. The police will only investigate if a crime has been consummated. 

Wells Fargo can communicate with XXXX  XXXX XXXX and let me know if the funds are now in the criminal or if, by chance, the stop payment was on time and if there is hope of return of my funds. But Wells Fargo will not help me with this and will not investigate the information I provided about the fraudulent actions of imposters that posed as Wells Fargo employees and had access to their text messaging of code verification numbers. 

I expected a faster response from Wells Fargo to know if the wire stop was effective. After numerous telephone calls and efforts to communicate, I also expected Wells Fargo to investigate the fraudulent use of their text message verification system and imposters posing as Wells Fargo employees. Wells Fargo has not responded to date, XX/XX/XXXX, to any of my efforts for clarity and crime investigation and crime prevention.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I Had a checking account that was closed by the XXXX XXXX attached to the checking account was a credit line. When they closed the account they never said that the credit line had to be paid in full. Payments were made in accordance with the monthly payment. When i was told that the account had to be paid in full the amount was paid immediately. I have been trying to open a checking account and i have been told that i have a mark against me on XXXX. I called the aforementioned company and was told there was nothing they can do. I called the bank ( XXXX ) and they told me there is nothing they can do, that they have put a satisfied into XXXX I was never late and was never told the account had to be closed. This was there mistake and they refuse to remove it from XXXX. I am having a hard time getting an account open.
Consumer complaint received 2017-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On the evening of XXXX XXXX, 2017 I phoned Experian to remove two addresses that I am not associated with and inquires that I did n't recall authorizing. They refused to investigate and told me they can not do anything. I must call each creditor and ask them to remove the inquiry. I asked what if the creditor does n't respond, the rep said just keep trying.
Consumer complaint received 2017-08-02
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: Convergent Resources, Inc. (GA)

I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AFNI INC. (WA)

Date XX/XX/XXXX A man named XXXX XXXX XXXX born XX/XX/XXXX has driven a vehicle not fully in my name that was on a temporary loan based upon. 

Conditional delivery, '' or driving your new or new-to-you car home while a dealer ... If you have n't started investing yet, these tips will help get you on the right track .... to give back the down payment or trade-in if the deal is not approved. ... because the value drops precipitously once a car is driven off the lot. 

Too sum it these individuals took this car without permission resulting in the arrest of one individual, and other ran from the scene during this car accident. 

A YEAR LATER I GET A LETTER FROM AFNI SAYING I OWE XXXX IF NOT ALL THEN SOME OF THE MONEY. I EXPLAINED EVERYTHING TO THEM RESULTING IN OUR DISAGREEMENTS OF TRYING TO FIND PROOF THAT THE VEHICLE WAS N'T MINE LEGALLY IT WAS STILL THE DEALERSHIP NOR WAS I MAKING MONTHLY PAYMENTS YET WHERE I HAD NO DEALER ONLY TEMPORARY DEALERSHIP TAGS WHICH CAME FROM. 

XXXX XXXX will not cover this incident based on my identity being compromised and AFNI is trying to deceive me by theft and deception. They made threats that can impact my credit report saying I was negligent and I was not even the driver nor passenger. Also they made threats by notifying the DOT from suspending my drivers licence and registration privileges. 

XXXX XXXX XXXX at XXXX XXXX WebsiteDirections XXXX XXXX XXXX reviews XXXX dealer in XXXX XXXX, Colorado Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.
Consumer complaint received 2017-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.